BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my Bank of America credit card, which had been double-billed both to my BofA and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my XXXX credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. 

After many calls to BofA in which they displayed a total inability to correct a mistake they made, I tried calling XXXX. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. XXXX XXXX  online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. BofA doesn't have an option internal to their organization to resolve this error, they point you to XXXX which makes it nigh on impossible to get anything fixed.

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 2020-12-19
Company: Resurgent Capital Services L.P.
State: CT
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:
Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. Lviv funding local co resurgent capital services XXXX XXXX XXXX XXXXXXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX va XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX lack XXXX XXXX XXXX XXXX XXXX  XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX phone XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I wrote to Experian to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.

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 2022-04-12
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They called my moms cell phone who lives in a whole different city than me looking for me, and told her that if I didnt call them back that they were going to file something in court to have me arrested. 

I filed a dispute against them and they are lying about everything and they wont stop the harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Bridgecrest Acceptance Corporation
State: FL
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:
I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
BRIDGECREST XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or BRIDGECRESTcustomer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. 
Thank you for your prompt attention to this matter, and I look forward to a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-26
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a PNC Cash Rewards and I want to pay my bill via their online banking. 

One of the Alert options that I chose was " Payment Due '' thinking that this option is one where I get an email alert about making payment on an upcoming bill. 

However, I never received any alert on my upcoming bills. When I called them about it on XX/XX/2020, I was told that this Pa ) yment Due alert is an alert that I have missed a payment and that PNC does not have any alert of an upcoming bill! THIS IS INANE -- - WHAT IS THE POINT OF ALERTING A CUSTOMER IF THE PAYMENT WAS ALREADY DUE AND HE HAS MISSED THE PAYMENT AND PNC HAS SLAPPED A HEFTY FEE? 

I did not want a paper bill because this is not environment-friendly but because they can't alert me of an upcoming payment, I requested to be sent a paper bill so I am reminded that a bill is upcoming. This is an unforrtunate consequence of their nonsensical alert system. 

XXXX  XXXX XXXX has an alert for an upcoming payment so I don't see why PNC can not do the same. 

IT SHOULD BE A REQUIREMENT FOR BANKS THAT IF THE CUSTOMER OPTS FOR ONLINE BANKING, THEN THEY SHOULD ALERT THE CUSTOMER OF AN UPCOMIING PAYMENT, NOT A ( STUPID ) ALERT THAT THEY WERE LATE AND THAT THEY NEED TO MAKE A PAYMENT AND PAY T HEIR HEFTY FEES.. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: MI
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 I the consumer have the right to privacy of my nonpublic information. My financial history with XXXX XXXX is not public information and therefore should be restricted from being available to Experian. 

Per the Securities Exchange Act of 1934 once the securities are deposited and the certificate of indebtedness is given, any balance of {$1.00} or more should be credited to I the consumer pursuant to the 8-K and 10-K form submitted on behalf of XXXX XXXX with the SEC they agreed the trustee would carry out this duty. I have not received my check and this account can not be charged off when the balance due is owed to I the consumer. 

Per XXXX XXXX terms and conditions they agreed to not share my information with non-affiliates of their business. Experian is not a known affiliate of XXXX XXXX. 

Furthermore, reporting this account as such could be considered securities fraud since my social security number was used when using this credit line.

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 2023-03-01
Company: Self Financial Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/XXXX RE : Last 4 of XXXX XXXX To Whom It May Concern, On XXXX of XX/XX/XXXX, I disputed an account reported by Self Financial Lead XXXX in the file you maintain under my social security number. 
I was informed in XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cc : Consumer Financial Protection Bureau ; Attorney Generals Office ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 non-monetary relief
Consumer complaint received 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I discovered that someone had gotten a hold of my edd debit card number and made fraudulent charges on my card totaling {$4100.00}. I called the card issuer Bank of America and reported the fraud. Bank of America froze my account and issued a new debit card to me. I was told that the bank would investigate my claim and give me a decision. On XX/XX/2021 I got a letter from bank of America dated the day after I filed my claim with them advising me that my claim was cancelled and they were not going to refund my money. Additionally, the amount listed on the letter was much more than the amount that I reported on XX/XX/2021. I called the bank and told them the amount listed on my claim was wrong and asked them to reopen the claim and they did. The claim was again closed with no reason given by bank of America. I also called the merchants where the money was spent and was able to intercept a purchase from a XXXX store for {$2000.00}. I did get that money back bu I am still out over {$2000.00} plus I called Bank of America again and told them to really investigate my claim by calling the merchants because I did not make these charges. The man from the XXXX store told me that a man had a credit card and matching id when he made the purchase, my name was not on either the credit card or the id shown to the XXXX store when the purchase was made. Bank of America never investigated my claim and refuses to give me my money back. I should not have to make these phone calls to track down the person who defrauded me. I should not have to file this complaint. This is ridiculous that Bank of America is getting away with this, they treat their XXXX  customers like dirt. Please help me get my money back

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 2023-12-13
Company: BARCLAYS BANK DELAWARE
State: FL
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 XX/XX/2023 a cash transfer for {$5000.00} was sent to a bank account. The date posted was for XX/XX/2023.The credit card company is stating that I said it was a valid transaction because the call generated from my phone number. They gave me the runaround transferring from person to person with everyone giving me a different answer. I did a police report and opened a identity theft case but they claim is not relevant. They did not want to take any of my documentation. I closed the account and warn anyone from opening an account with Barclays JetBlue credit card.

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 2023-11-30
Company: EQUIFAX, INC.
State: TX
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 am writing to express my dissatisfaction with the recent attempt to rectify the delayed opening of my account. Despite my previous correspondence and the acknowledgment of the issue, I find it regrettable that a second attempt has proven unsuccessful. 

I first brought the matter to your attention, outlining the inconvenience caused by the delayed account opening. In response, I received assurances that prompt action would be taken to address the matter. Unfortunately, it has come to my attention that the issue persists, prompting me to register this formal complaint. 

I understand that unforeseen circumstances may contribute to delays in processing, but the repeated failure to resolve this matter is both frustrating and unacceptable. As a customer, I expect a level of service that includes timely and efficient handling of account-related matters. 

I request that you investigate the root cause of this delay and take immediate action to rectify the situation. Additionally, I would appreciate regular updates on the progress made to ensure that the matter is resolved without further delay. 

If the necessary steps are not taken promptly to address this issue, I may have no choice but to explore alternative options and escalate this matter further through appropriate channels, including filing a complaint with the relevant regulatory bodies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$2700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 2023-12-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
I received a letter dated XX/XX/ from Citizens Bank saying that they were unable to approve my recent application for a credit card account. The letter said the reason they weren't able to open an account was that they were unable to verify information provided on the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: MD
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:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief