BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Good Day Please be advised that Bank of America is not complying with reversing legitimate fraud charges. 
In my case though they acknowledge the charges arent valid they refused to credit it back because it was reoccurring for XXXX XXXX 
( These charges are from XX/XX/XXXX - XX/XX/XXXX ) Im certain they have made this exception in other similar circumstances and I believe class and perhaps race prevents them from honoring my proven claim. 

In addition to this, there service is horrendous in that you cant even get a email response from what is supposed to be their escalations team. 

Ive sent numerous emails and was eventually told Bank of America does not send external emails ( thus no response ) They have turned back the hands of time and request customers fax in there information. 

I actually went to my local branch to have my supporting documents faxed only to wait to be unseen by the XXXX XXXXXXXX. I was eventually given her business card only to discover the voicemail name for the corresponding number did not match. 
I nevertheless left a message and have not received a returned phone call. 
Im certain if I were a prominent figure this would not be happening which leads me to XXXX Bank of America ethics.

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 2023-11-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a dental first loan from Commenity bank, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX. I was at the dentist and the dental office suggested i take out this financing. I sign up for this financing at the office with no paperwork to read or know any financing traps this bank has. I have only spent XXXX on this and they slapped a XXXX finance charge on my account in XXXX. I did not approve or was aware of all this balloon interest or I would have never signed up for this at the dentist office. Nothing was explained to me about this account except it would be a supplement to my dental insurance. I saw no paperwork! This bank refuses to remove this XXXX and i refuse to pay XXXX for XXXX. 
I will provide documents when asked. I am waiting for mail from them. I will print out my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Klarna AB
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I was on XXXX  trying to book one using Klarna. I kept getting an error. This occurred XXXX XXXX XXXX. I started speaking with a representative and he told me to try booking something and screenshot the error I get. But this time when I tried booking, it actually went through, but it wasnt for the XXXX  I wanted. Told the rep. He didnt do much, but got a supervisor. Reached out to the host TWICE. Only thing he kept saying was no refunds. I called XXXX XXXX  several times and was told to pay the first installment and then they would be able to cancel recurring charges. Which apparently was a lie. All together it was XXXX. One supervisor on XXXX  told me to cancel it and get 3 something back & shell credit one hundred something. So all together four hundred and something went towards the amount on Klarna. I reached out to Klarna. They couldnt do anything. Disputed it with XXXX XXXX  they did a temporary credit but now saying theyre going to take the money back. I did NOT stay here. I stayed at the XXXX XXXX. I literally tried canceling the booking as soon as the transaction went thru. No one will help me! I paid XXXXXXXX  so far. But its over 5 hundred left. I dont think its fair to pay something where I never even stayed. Theyre still trying to make me pay monthly installments or let it hit my credit! I have receipts for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NC
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 provisions set forth in the Fair Credit Reporting Act, I would like to bring to your attention that the list of accounts provided below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C 1681. 
1. XXXX XXXX XXXX  account # XXXX has violated my rights. 
2. The XXXX XXXX account # XXXX has violated my rights. The Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 602 A, asserts my fundamental right to privacy. Additionally, 15 U.S.C 1681 Section 604 A, Section 2, stipulates that a consumer reporting agency can not furnish an account without obtaining my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is stated that no consumer reporting agency may include certain items of information in a consumer report. Specifically, it prohibits the inclusion of any adverse item of information beyond records of convictions of crimes that precede the report by more than seven years. 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) states when a consumer disputes the accuracy of information in their credit report, the CRA must thoroughly examine the evidence and documentation provided by the consumer to support their claim. Lastly, as per 15 U.S.C. 16815-2 ( A ) ( 1 ), it is mandated that no person shall furnish any information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.

I kindly request your prompt attention to these violations and seek your assistance in addressing and REMOVING these issues in accordance with the Fair Credit Reporting Act.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( F ) : Reporting information during COVID19 pandemic

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
keep getting charge when i make an schled payment thy charge an extra XXXX bucks to pay on line when they say its free to make a payment with rep its XXXX bucke by auto system XXXX buckes these fees are not explaind to the customer when you get the loan pluse thy will not tell you how much of the payment goes to prinsable or intreast on the loan i asked but got told it alreADY FIGURED IN THE LOAN hidden fees not explaind

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 2023-09-13
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I moved from XXXX XXXX XXXX XXXX XXXX, N, Y, XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. XXXX. My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, 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 of  XXXX and XXXXXXXX XXXX failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All XXXX major Credit agencies : XXXX, XXXX of XXXX XXXX and XXXX XXXX Exquifax -XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Kriya Capital, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services L.P, Resurgent Receivables LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX  are aiding and abetting each other in an attempt to collect a debt from me that i do not owe. I have never done any business with nor have I ever heard of Resurgent Capital Services L.P, Resurgent Receivables LLC, or XXXX XXXX XXXX and I have no contracts with either of them including XXXX XXXX XXXX. Banks are securities transfer agents that only have the power to borrow and exchange. Since you are all attempting to collect an alleged debt for XXXX XXXX XXXX, in order to prove I owe this debt, you must provide the Certificate of Indebtedness. Without providing the Certificate of Indebtedness you can not collect. This kind of activity suggests you are all aiding and abetting each other in committing Securities Fraud. 
Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ) ; GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ) ; Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ) ; Town of Brookfield v. Candlewood Shores Estates , Inc. 513A.2d 1218, 201 Conn.I ( 1986 ) ; Solon v. Godbole , 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3 Dist. 1987 ).

You are all currently aiding and abetting one another in committing fraud and extortion. By advertising this alleged debt to me and or any other person by any means, including but not limited to a consumer report, you are all participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to you or to XXXX XXXX XXXX. 
If you do not immediately remove this from my consumer report, cease all collection attempts, cease and desist all communication with me, unless it pertains to the removal of this account from my report, I will have no choice but to contact the Attorney Generals Office, The Office of the Comptroller of Currency, The Federal Trade Commission, The Securities Exchange Commission, The IRS Treasury, The Treasury Direct, and the appropriate district court to file a claim of federal charges against you including but not limited to conspiracy, fraud, extortion, and identity theft. 
Extortion is a violent crime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Around XXXX Chase Bank closed my account because I deposited my sons fathers stimulus check into my account. With his approval and written letter from him just like they instructed me too. I have power of attorney over him, he is currently incarcerated so he was unable to cash it. The check has my address on it which is the same on my license and we have a child together. I went to several chase banks and worked with the managers they sent corporate all the papers they asked me for I cooperated with everything they wanted and they kept my XXXX $ that was in my bank account and closed it. Ive been dealing with this since XXXX and I have called and went to the branches for 6 months and still no help and the same run around. Everytime I call. Im put on hold for 30 mins and then they hang up on me. I dont understand why they have made this so complicated. I am a single mom of XXXX and I was impacted by covid pretty bad so them closing my account and keeping my money really hurt me and my kids. I just want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I consumer XXXX XXXX sent CAPITAL ONE a cease and desist and they refused to stop contacting me about debt that is not mine and already paid off. CAPITAL ONE is using abusive tactics in order to coerce payment. CAPITAL ONE has not validated any debt that belongs to me. I am the consumer and I'm not obligated to pay ANY debt under the provisions of the Fair Debt Collection Practices Act. 18 usc 8 is responsible for all consumers. My federally protected rights are being violated by CAPITAL ONE. I asked CAPITAL ONE to show a documentary trail of alleged debt that they gave my money from their account. I am the consumer that extended CAPITAL ONE CREDIT. CAPITAL ONE has closed my account in which violates my consumer rights as well. CAPITAL ONE can not close my account under 15 usc 1691. CAPITAL ONE has showed false statements every month in a positive balance. This is false and misleading. CAPITAL ONE is civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This happened on XX/XX/XXXX. Was contacted by who appeared to be my financial institution as shown by my caller id, and stated that my account had been hacked. Then proceeded to tell me that {$3500.00} was wired out of my account through XXXX which I do not have an account, but is a third party app on the banking app. They then told me that the money would be credited back to my account in my name, but it did not. I contacted my bank, which is Bank of America and a fraud claim was filed on XX/XX/XXXX. I have called them 3 different times and am getting nowhere with them, and am not getting any answers as to where my money is, or where it was sent, or whom it was sent to. They even told me that I would get an email with an update on where things are with this issue on XX/XX/XXXX, but never did. So when I contacted them again on XX/XX/XXXX, they told my they had no record of anyone even telling me that I would receive an email on that date. I am getting no definate answers in this either way, and am growing very frustrated especially knowing this type of fraud is very common with Bank of AmericaXXXX, and they are doing absolutely nothing at all to prevent this from happening to any of their account holders.

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 2021-08-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted documentation re : an account that has been paid off. XXXX  and XXXX  have updated the account correctly. However, Experian has not only not updated but increased the original payoff balance from {$5200.00} to {$9000.00} after their investigation. The outstanding balance as never {$9000.00}. 

I have resubmitted documentation to Experian.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-03-22
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX

Company response to consumer: Closed with non-monetary relief