BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Around XXXX of XXXX, I informed Bank of America that I expected to have difficulty in the near future continuing to make my payments on my credit card with them, due to issues with my college. I was told that they could not offer me any options until I was behind. As my area was impacted by a hurricane in late XXXX or early XXXX, I was able to get payments postponed for two months with no ill effect at that time. Afterwards, I was behind, and went to my local branch in hopes of assistance. I was then told that they could not help me because I was behind ( whereas previously I was told they could not help me until then! ), but was provided with the hardship phone number, who was also unable to help me due to lacking income at that time. At some point late in the year, XXXX or XXXX, I don't recall exactly how, I managed to get in touch with XXXX XXXX, in Executive Customer Service. 

He seemed to be understanding of my situation and we discussed that I would have approximately a XXXX coming back from my tax refund in XXXX or XXXX of XXXX. He stated that he would have the ability to offer me something I could manage at that point in time. When I called his office back after receiving my {$900.00} tax refund, which I had already specified I would not be able to use all of it towards my balance with Bank of America, I was informed that no options were available to me other than paying {$3500.00} to clear the whole balance of {$6500.00} or so. 

I was very clear that I was willing to work with them if they were willing to work with me, but they moved the goalposts repeatedly and prevented me from making a payment when I had the ability to do so, claiming it would not be enough. I was also very clear that due to how I had been treated during this process, that if they sent it off to a collection agency, they would never see a dime from me. It was sent to a collection agency some time in the middle of XXXX, at which point I ignored it entirely. Now they're trying to take me to court over it ; they've even filed, which I learned from a local lawyer who was reading recently filed cases, as I have not yet been served. 

My position is that the debt is completely nullified due to Bank of America 's failure to hold up their end of the contract and work with me on a payment arrangement when I had the ability to do so ; that I told them how much I expected to have and when, had that amount at that time, and although they claimed they would make an offer I could manage at that point, as they were lawfully required to do, they deceived me in doing so and have thus voided the contract.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} TransUnion : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00}

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 2021-08-27
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a notice that derogatory information from Amsher Collections Services was added to my credit report and they also added a false address to my credit file on after I filed a dispute. Amsher Collection did not initially have my home address and the credit bureus verified they updated my North Carolina address and changed it to a California address I do not reside at. 2 credit bureaus immediately deleted this false collection, but XXXX  is the only bureau to say that Amsher claim the debt is valid after I filed a dispute.

I have not received copies of any contracts, bills, statements, or debt verfication or requests for payment from Amsher. They only added false collection account information to my credit report without have made any prior communications to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR SEVERAL TRANSACTIONS ON MY XXXX XXXX XXXX XXXX XXXX   ON SEVERAL DIFFERENT DATES.. I REPORTED THESE TRANSACTIONS TO THE CREDIT CARD COMPANY WHEN CHARGES APPLIED TO MY STATEMENTS. I WILL LIST ALL TRANSACTIONS ;XX/XX/XXXX TIMESHARE XXXX-XXXX   XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXXTIMESHARE BY OWNER-XXXX HAVE NEVER DONE BUSINESS WITH THESE COMPANIES AND I TOLD THE CREDIT CARD COMPANY THAT.. I HAVE BEEN DEALING WITH MY SICK HUSBAND AND TOLD THEM THAT ALSO, BUT THEY DID NOT CARD ABOUT ANYTHING.. THE CREDIT CARD COMPANY KEPT TELLING ME I DID MAKE THESE CHARGES AND THEY STATED I DID TELL THEM I MADE THESE TRANSACTIONS WHEN IN FACT I NEVER EVER TOLD THEM SUCH A THING.. I WOULD LIKE TO RECIEVE MY CREDIT BACK FOR ALL THESE CHARGES. THIS IS FRAUD AND I WANT MY MONEY BACK.. I LIVE ON A FIXED INCOME AND NOW DEALING WITH MY SICK HUSBAND I REALLY NEED MY MONEY BACK.. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME

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 2022-11-01
Company: TD BANK US HOLDING COMPANY
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 opened an account with XXXX XXXX XXXX on XX/XX/2014 and I set up an autopay on the account. The last payment that I made was on XX/XX/2014. Per the FCRA guidelines, an account can only be reported to the credit bureaus for 7 years from the date of first delinquency on the account. I filed a dispute with XXXX and XXXX because they were incorrectly reporting the date of last payment on my account. From my understanding, the company continued to try to debit from a checking account that was no longer being used and therefore no longer valid. The company was trying to say payments were being made even though the payments were returned for a period of time. I submitted a dispute to request that my last payment accurately reflect my ACTUAL last successful and received payment. The company did an investigation and indeed updated my date of last payment to XX/XX/2014. Based on this update, this account is required to be deleted from my credit report because it has been 7 years from the date of last payment. Ive disputed multiple times and even though the date of last payment is now accurate the company refuses to remove and delete the account from my credit report. Ive spoken to XXXX and to XXXX and keep asking them to remove the account from my report being it is now older than 7 years. I am filing this complaint as a last means to have this information deleted. If it is not, I will file contact the States Attorney General and have to involve a lawyer. Please see attached dispute results. You can clearly see that the investigation updated the date of last payment to XX/XX/2014. This means that this account MUST be deleted since it is 7 years past the date of last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: National Credit Systems,Inc.
State: TX
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
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:
I want to dispute everything on my files everything that I had on my folders from years ago it really does stick with you, so what Im trying to do is to clean up my file weather I have to dispute. Theres things on my file that need to be cleaned up. It doesnt need to be on my file Im trying to clean up my credit and this is the only way I know how to go about it so please if theres anything you can do on your end, I would appreciate it. If theres any other information I need to submit or anything please let me know and Ill submit it ASAP. Thank you very much. I just want my life back Im XXXX XXXX XXXX and cant do nothing. Ive been married for 32 years and cant do a XXXX thing. I cant take this its either this or my life but ones Got ta give. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Monday, XX/XX/2023 at XXXXXXXX XXXX 

Received a robocall voicemail from XXXX. The voicemail named my first and last name as the intended recipient. '' " This call is from a debt collector. We are calling for Receivables Outsourcing LLC. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return our call to talk about a confidential business matter at XXXX. '' I do not owe any debt, and the voicemail provided no information about the " debt '' amount, the company the debt was for, and how to pay it. I believe this is a scam/phishing attempt. I have received no outstanding bills or balances in writing/via mail from any company or business whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to sign up today with a mobile cell phone provider. They could not approve my account because my Experian account is frozen. I tried for HOURS on-line and on the phone to temporarily lift the freeze. It is not possible. None of my many calls to Experian ever got me through to a live person though I tried many different phone numbers. A XXXX operator directly connected me to an escalated number. Again, I was trapped on a circular prerecorded message that eventually hung up the call. I now have a frozen account that can not possibly be lifted on my end. Please help.

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 2023-11-16
Company: EQUIFAX, INC.
State: MI
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:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-10
Company: EQUIFAX, INC.
State: SD
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:
I XXXX XXXX, have noticed unauthorized transactions listed on my consumer report. I would like to have these inquires removed because they are inaccurate reporting and are affecting me and my personal reputation. Here are a list of companies and dates of unauthorized hard inquiries that are on my consumer report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid 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 XX/XX/2021 I signed up online for a service from a merchant call XXXX XXXX. They sent me an email of a billing summary in the amount of {$95.00} also stating it was not billed yet. I reviewed my credit card statement on XX/XX/2021 and notice two charges of {$95.00} and {$94.00} post dated for XX/XX/2021. I contacted the merchant on XX/XX/2021 to request a refund because I didnt received a contract, receipt or services for what I paid for. The merchant refused me a refund stating they only issue refunds within 48hrs after reporting my rent to the credit bureaus. My rent was not reported, I didnt received what I paid for, I was charge and refused a refund. I contacted my credit card company Navy Federal to dispute the charges given the explanation above. Navy Federal requested supporting documents ( contract, receipts, terms and condition, communication trail ). I gave Navy Federal the only email I received from XXXX XXXX of the supposed billing summary not billed and the screenshot of the call I made to XXXX XXXX as XXXX XXXX didnt provide me with a contract or receipt for what they billed me for. My resolution is not being resolved between both parties and XXXX XXXX took nearly {$200.00} from my family mouth with nothing to show for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX   ; Experian and XXXX a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act 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, has violated my rights.

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

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to CORRECT immediately : 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NY
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 response to consumer: Closed with non-monetary relief