BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: Credit Control, LLC
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am on XXXX prepaid, and tried the post-pay account and was not satisfied with XXXX service and canceled within 3 weeks. I have been back on prepaid for several months now. I reached out to XXXX on XX/XX/2024 and confirmed that I do NOT owe XXXX anything on pre-paid OR post-paid account. I have this in an email from XXXX themselves not the debt collect, however the debt collector still sends me emails stating I owe them XXXX Please help and advise, Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SYNCB/Care Credit is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Nelnet, Inc.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I sent a notice of dispute letter to Nelnet for inaccurate credit reporting on my credit report which is reporting missing information and inaccurate late payments that's reflect on almost several different accounts. I told Nelnet what the inaccuracies are and highlighted the section in which there were inaccuracies. They are responsible for thoroughly investigating the accounts since they are the data furnishers of information. On XX/XX/2023 the letter I wrote them was received. On XX/XX/2023 Nelnet wrote me a letter back which I received XX/XX/2023 of Nelnet stating that the account information was not going to be changed. I have provided this company with sufficient information, and they are assuming different. I'm not going to over prove myself to a company that is misreporting MY private account information. This is also my very first time disputing the inaccurate account information. It is a fact that this company did not do a thorough investigation into the matter which takes up to 30 days. Nelnet has violated my consumer rights per 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and 15 USC 1681o Civil liability for negligent noncompliance, and 15 USC 1681 Civil liability for willful noncompliance. This is unfair credit reporting practices and as a result Nelnet has shown themselves untrustworthy when reporting my personal account information to the Consumer Reporting Agencies. I want the inaccurate accounts that are still currently reported on my credit report deleted because it is affecting my credit worthiness, and the company has already proven that they are not going to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: CITIBANK, N.A.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Friday, XX/XX/2024 I called the fraud number at Citi card. I told them there were a number of fraudulent charges on my card dating back six months. I did not make these charges, most of them were from out of my home state. My card is maxed out at {$22000.00} and Citi Card said I owed them {$680.00} on XXXX XXXX. I was transferred around several times and finally got to an agent who said I would not be liable for the charges. 
Today, CitiCard sent me an email stating : Hi, XXXX. Based on the dispute you asked us to review, we've adjusted the Minimum Payment Due for this month. 
Your new Minimum Payment Due by XX/XX/2024 is {$680.00}. 
How your new Minimum Payment Due was calculated Your new Minimum Payment Due was recalculated based on the total new balance from your most recent statement, minus the disputed amount. 
This adjustment doesn't reflect any payments you've made since your last billing statement. 
If you've made a payment already, you can view your updated balance anytime in the Citi Mobile App or Citi Online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not liable for the debt with XXXX XXXX. I do not have a contract with SUNRISE CREDIT SERVICES. They did not provide with the original contact as requested. I believe I was a victim of identity theft as I dont and never had revolving credit. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Failing that, the item must be deleted from my credit report as soon as possible as I am not liable for the debt with XXXX XXXX I do not have a contract with SUNRISE CREDIT SERVICES either. I did report to the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at around XXXX I received a call from a number that identified as BOA. A man on the phone identified himself as a BOA fraud specialist XXXX XXXX and gave an ID #. He even said the call was being recorded for training purposes. He asked if I had opened a new checking account. I told him no. He then asked if I had made two XXXX payments, one for XXXX and XXXX. I told him no. He then said the account had been closed but he had to transfer me to a XXXX fraud specialist, his name was XXXX, to reverse the transactions. He gave ne a confirmation number XXXX to give to the XXXX specialist. He transferred me and this guy walked me though the reversal process. He gave me a code which was XXXX to put into XXXX, with myself as the recipient. He had me put in XXXX. He said it would com back to me and it did. He then had me do the XXXX and said this would take a bit more time. The message came up about sending and warning but he said to disregard it as this was the only way to keep the funds in my account and prove I did not send them. I kept telling him I was not comfortable doing this. He kept saying he was only there to protect my funds. He was so professional and believable. I am always wary of scammers but these individuals took it to another level. I even called the number with my husband 's flip phone to verify it was BOA. It was. I am on XXXX and this devastated us. Luckily I had an emergency account at XXXX XXXX and I transferred XXXX into my account to cover my bills that hit my account that Nighy. I was even questioned about that. One BOA person suggested my husband did this. My husband does not do any banking as I handle all finances. One BOA fraud personal said it went into another BOA account! I've been a customer with them since XXXX. I am so distrustful now of everyone. 
XX/XX/XXXX I got a phone call from XXXX XXXX XXXX saying XXXX would be my Fraud specialist going forward. Giving her number as XXXX XXXX XXXX. When you call it it just says XXXX XXXX and beeps. BOA says no one will call me so they were scammers. This is insanity! I just want my XXXX back and to.never have to answer my phone again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America charged my account a {$15.00} wire fee on XX/XX/XXXX. I did not send a wire from Bnak of America. I received a wire on the XXXX from someone but there isn no record of sending a wire. Attached is an image of the transaction history XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24
Company: Continental Finance Company, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy.

Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law.

There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules.

One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore.

Thank you for understanding. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I received a car loan from Regional Acceptance on XXXX XXXX. My contract said I was to be charged XXXX % interest on {$14000.00} financed leaving me to pay {$25000.00} by the end of the loan. I have had some payment extensions and late payments causing my maturity date to go from XX/XX/XXXX to XX/XX/XXXX. The contract does state I can be charged a late fee, but I am being charged a {$20.00} late fee plus I'm being charge daily interest of {$8.00} on top of the interest of {$11000.00} I was already charged for the loan. I called and they said it was a fee for being late. Nothing in the contract I had said I would get charged two interest fees or that I would get charged an interest fee for being late on top of the late fee charged. As of today, they are saying I still owe {$16000.00}, and I have paid {$21000.00}. I should only owe {$6100.00} if my loan ends XX/XX/XXXX and that includes late fees. They are charging me over {$11000.00} in additional interest fees for being late that they claim is on my contract but I looked at my contract and there is nothing saying I would get charged additional interest for being late. Only a late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: MIDFIRST BANK
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 and the privacy act of 1974 states I have the right to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late credit for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Bank of America fraudulently opened a credit card without my knowledge in XX/XX/2022 The amount was {$5000.00} Immediately called Bank of America to report it and made a police report This greatly impacted my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is not reporting correctly on payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08
Company: Continental Finance Company, LLC
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last month on XX/XX/XXXX, I sent a payment of {$40.00} through bill pay set up by XXXX. The following day I sent a payment for {$200.00} using the same method. My payments have yet to be applied to my account. 

The {$200.00} payment was cashed by your company on the XXXX. 

I expect this to be resolved immediately. I called for the 3rd time today and requested a supervisor. Not surprisingly, one wasn't available. 

This is the only company that I have issues with, in regard to bill pay. Every other company receives my payment and applies it properly in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for eny purpose XXXX XXXX Acct XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My consumer reports has old outdated addresses that I am no longer residing at. My name is also displayed on my consumer report in accurate with spelling and multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CAPITAL ONE Inquiry Date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX VA XXXX Phone : ( XXXX ) XXXX Action Taken : Social Security Number Unverified XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX Action Taken : Called to access the information used and wasn't able to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit reports effectively immediatelyXXXX CITICARDS CBNA XXXX {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a car loan through Credit Acceptance. The car was totaled in a hailstorm in 2023. They had the car towed and it was no longer in my possession. They repeatedly contacted me, stating I had a balance. Once the balance was paid, they continued to report me to the Credit Bureaus. 

Also, before the car was totaled, they repeatedly reported me to the credit bureaus stating I was XXXX  days late on my payments when I was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Beginning XX/XX/year> I applied for a home equity line with Bank of America. 
Sent all pertinent documents. 
On XXXX XXXX I received an appraisal for my home for {$470.00}. 
On. XX/XX/XXXX I received a letter stating sorry we can not approve your home equity line. 
I have a Bank of America credit card with a {$23000.00} credit limit I have been a customer with Bank of America for 18 years. 
I called the bank requesting an explanation for refusal of credit and was toldI would have to have assets in the amount of {$1.00} XXXX. 
If I would have XXXX XXXX  in assets I would not need a home equity line. 
I am XXXX years old, pay my bills on time, have excellent credit. 
This is insulting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation