BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023, Bank of America charged off a CREDIT I had on a long held XXXX account. The CREDIT balance of {$26000.00} was a result of a duplicate payment. Instead of refunding me, Bank of America closed my account and is now reporting this to the credit agencies as charged off debt. Furthermore, Bank of America either owns or sold this alleged debt to a third party debt collector in violation of the Fair Debt Collections Practices that 1. Violated my privacy, 2. Was not a debt to be sold, 3. Owns third party debt collector and has contacted me pretending to be this third party debt collector as I received correspondence from BofA after I responded to third party debit collector who otherwise would have no idea regarding 3rd party attempting to collect a non-debt. This account had previously been REMOVED from my credit reports, and Bank of America is now threatening to put this CREDIT BOFA OWES ME on my credit report. I require Bank of America to pay me the {$26000.00} that they owe me immediately.

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 2024-01-02
Company: CITIBANK, N.A.
State: NC
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:
I have reported fraudulent charges in XXXX of 2023 and followed up with Citi Cards XX/XX/23. They had no information and thought maybe someone did not report the charges initially. Citi provided very little details, no case number, no verification the complaint had been recorded. Basically overall customer service is very poor.

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 2023-11-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I believe they add more or extra things and they shouldn't add to my loan also I never receive ant benefit also Toyota financial services have been falling in sending my loan closing letter to receive my gap or whatever terms still pending and the dealer ship where I got havent helping me out to get I spoke before with sales XXXX and nothing including the guys who prepare the paper work in the back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX XXXX. My date of birth isXX/XX/XXXXMy social security number is XXXX. You are listed as a student loan servicer or lender on credit reports about me. You have reported various account information data related to the alleged loans concerning me. Note I do not agree with the various account information that you are reporting about me. Assist me in the verification of the alleged student loans you are collecting and your legal status. Please send me a copy of all promissory notes of all student loans that you service related to me. Please send me a copy of the promissory note for any and all student loans that you originated. Please send me a copy of any assignments of the promissory notes for the related student loans. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. Kindly provide this information to me in writing by mailing it to my address above within 30 days. Out of an abundance of caution cease and desist any and all credit reporting of the related accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I was never late or missed any payments until I fell into a financial situation where my hours at work was reduced and income changed to decrease I tried to contact the XXXX XXXX tower loan when I spoke to XXXX XXXX he stated that if I don't have the payment in by XX/XX/2024 at XXXX XXXX he will proceed legal action in court I tried to explain my situation but he constantly kept calling leaving harassment messages. I always tried to make my payment to avoid repro or taken to Court I asking could you please help me in this matter or I will find a lawyer who will. Phone # 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So a few months back, I was looking at my credit on a credit monitoring app. When I noticed account that I never open or gave anyone the authorization to open this account in my name. The account was XXXX XXXX. I then reached out to the company that was reporting on my credit. They never responded back to me, After trying XXXX XXXX numerous time and no response. I then reach out to the credit bureau that was reporting the error on my credit report, which was XXXX, TransUnion and XXXX. At first all three bureaus removed the XXXX XXXX account from my credit report, But then without any notice XXXX and TransUnion Decided to add back the XXXX XXXX account without giving me a 30 day notice.

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 2023-04-14
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
First- OneMain has CONTINUOUSLY added lender placed insurance to my secured personal loan that was secured with my car. They NEVER warn me that it will be added and then when I show them proof that I have insurance ( and have always had insurance ) they never refund the full amount they charged. Additionally, they charge interest of 30 % on the lender placed insurance for the month they have it on. Most recently, I showed them proof of insurance, and they didnt remove it. Then after 11 months, they did remove the charge. But then they added it back a few days later. They FINALLY removed it- but NEVER credited the interest I paid for over a year on {$500.00}. Also- the max interest allowed by law in NJ is 16 % on an auto loan- but they say mine is a secured personal loan and charge me 30 %. But they wont tell me the difference between a personal loan that is secured by an auto and a regular loan that is secured by an auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A collection account that appears on my report. I believe that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in investigating and correcting this matter. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX Collection Account Information : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Date of First Delinquency : [ Date of First Delinquency ] I am disputing the accuracy of the information related to the collection account mentioned above due to the following reasons : Inaccurate Reporting : The information provided in the collection account is not accurate and does not reflect the true status of the debt. I request a thorough investigation into the validity and accuracy of this account. 

Violation of FCRA Laws : I believe that the reporting of this collection account is in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA requires that information reported by credit bureaus is accurate and complete. The inaccuracies in this account are detrimental to my creditworthiness and financial standing. 

Abusive Collection Calls : I have been subjected to abusive collection calls by [ Name of Collection Agency ]. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits abusive and unfair practices by debt collectors.

I kindly request the following actions to be taken : Investigation : Please conduct a thorough investigation into the accuracy of the information associated with the collection account mentioned above. 

Verification : Verify the legitimacy of the debt and ensure that it complies with all applicable laws and regulations.

Removal of Inaccurate Information : If the investigation reveals any inaccuracies, please promptly remove the inaccurate information from my credit report.

Documentation : Provide me with any documentation supporting the accuracy of the collection account, as required by FCRA.

I remind you of your obligation to respond to consumer disputes within 30 days, as stipulated by the FCRA. Failure to comply with these requirements may result in legal action. 
Thank you for your prompt attention to this matter. I am confident that a fair and accurate resolution can be achieved through your assistance.

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 2023-12-07
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I keep receiving repayment notices ( via email ) saying I owe them a payment. Due to the fact that my loans are from XXXX XXXX XXXX, I am a part of the Sweet vs. Cardona lawsuit, and the Presidents request in XXXX that all predatory loans from closed schools be discharged, I shouldn't have any payments due. My loans were automatically put into forbearance until XXXX, I have not heard from Mohela that this has been changed, and if it has, why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TransferWise Ltd
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent some money through wise to XXXX, XXXX since XX/XX/XXXX. I have been waiting for the money to be received. We decided to cancel the transaction after such a long waiting period. They refuse to recall or reverse the transaction. The recipient has been going to the bank to obtain the money and they cant locate the funds. The amount is {$1000.00}. O

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: SYNCHRONY FINANCIAL
State: TX
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 and XXXX has repeatedly violated my federal protected consumer rights by publishing negative information on my account.

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 2023-11-21
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: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXXL Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor XXXX  violated FCRA by misstating the balance due. The original creditor sold by debt to collection agency named Trueaccord. On my credit report it says balance due {$120.00}. But true accord is requesting {$120.00}. I will be submitting attachments as proof. The point of action is to remove this collection debt from my credit report immediately. I have asked Trueaccord for validation letter but never received it over and over they wouldnt help. I submitted a validation letter.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. 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. The following information therefore needs to be reinvestigated.

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 2023-10-27
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the fair credit reporting act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the XXXX, TransUnion, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? 
according to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions.

15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years.

15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate.

also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-10-15
Company: PNC Bank N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
PNC bank sent an email to me on XX/XX/2022 with an offer to earn statement credit of {$100.00}. I completed the required spend of {$500.00} on XX/XX/2022. And I still don't see the promised {$100.00} statement credit on my account. 

Subject line of email was : " Good news you can earn a {$100.00} bonus ''. 

Marketing content in the email was : " Just use your new PNC credit card ending in XXXX to make {$500.00} or more in purchases1 betweenXX/XX/2022 It's that simple your statement credit will be added to your account automatically. '' Terms mentioned in the email were : " You will earn a {$100.00} monetary credit on your statement after you have made {$500.00} in purchases between XX/XX/2022 and XX/XX/2022 with your new PNC credit card. The bonus {$100.00} monetary credit will be awarded to your account within 90 days after the purchase that enabled you to meet the {$500.00} minimum requirement. Bonus offer limited to one {$100.00} statement credit per customer. ''

Company response to consumer: Closed with monetary relief