BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
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 am writing to formally dispute and request the removal of a fraudulent collection account that has recently appeared on my credit report. This account is inaccurately affecting my financial score and overall creditworthiness. I have serious concerns regarding the accuracy of this information and request a thorough investigation into the verification process that led to its inclusion on my credit report. 
Upon reviewing my credit report, I discovered the presence of a collection account that I do not recognize and believe to be the result of fraudulent activity. 
XXXX XXXX XXXX  XXXX DELETE!!! 
Furthermore, I question the verification process that led to the inclusion of this collection account on my credit report. It is crucial for the accuracy and fairness of the credit reporting system that a comprehensive and transparent investigation be conducted. Please provide me with detailed information on the steps taken to verify the accuracy of this collection account, including the source of information and the date of verification.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

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 2023-07-26
Company: EQUIFAX, INC.
State: GA
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 am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 

A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 

This letter is a request for you to explain to me how was this determined?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 made a XXXX $ XXXX  transaction to an email not realizing it was a scammer. Then bought 4 gift cards of XXXX $ and sent it to the same person the same day and called the bank of america customer service and said they could not help me with refunding the money. Its really upsetting because i have never been scammed before in my life and the fact that the bank could not help me get my money back is frustrating they just locked my account and theres no way i can open it again and i need it to pay my stuff.

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 2021-04-24
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I Had Seen An Ad while Playing a Game on My XXXX. I Clicked on Ad For XXXX  XXXX XXXXath XXXX I Ordered One XXXX XXXX. Their Sight Was Difficult To Get Through to End Page. I Got To The Total Page I Needed To See How Much I Was Charged with Shipping & Handling. It Came To {$96.00}! So I Didn't Hit Submit Button, I Backtracked to First Page & Tried Again. This Time I Was Charged {$11.00}. I Hit Submit. It Was XXXX XXXX. I Fixed TV Dinner & After I Ate I Checked My Online First Horizon Tennessee Bank Account. XXXX XXXX XXXX Me {$53.00}, {$29.00} Plus The {$11.00}. I Tried to Call XXXX  XXXX Line Was Busy. So I Emailed Them. I Then Went To My XXXX Bank XXXX Filled Out a Fraudulent Charges Transactions. XXXX  Morning XX/XX/XXXX I Hadn't Received a Automated Response From My Bank, So I Called & Found That My Bank Hadn't Received My Form, That I Should Refile. I Did That Monday. A Week Went By And I Still Hadn't Received My Money Back From XXXX  XXXX. I Called Bank They Stated They Had Dumped It ...? That They Waiting On Me? I Never Received A Message From Bank! So I Asked Should I Refile Form Again? Yes. I Refiled 3rd Form. And Checking Everyday For The Remaining Days of XXXX. On XX/XX/XXXX I Hadn't Received Any of My Money Back. 
I Called Bank Again Asked Why My Fraudulent Charges Are Still Not Back into My Account? Bank Associate Stated They Were Still Investigating Fraud. XX/XX/XXXX I Checked My Account Again. XXXX XXXX Had Charged Me Again! {$23.00}? I Filed Yet Another Fraudulent Charge. XX/XX/XXXX I Was Asked To Give My Bank More Information. I was Very Upset I Told Them To Forget About The Whole Situation I Was Tired Of Waiting & Being Made Out To Be A Liar. & I Gave Them What They Wanted. XX/XX/XXXX, I Ordered Fast Food & My XXXX XXXX Card Wouldn't Take? I Called My Bank & Found Out Bank Had BLOCKED My Card? They Didn't Ask or Tell Me. I Asked Male Associate If He Could Over Night Me a New XXXX XXXX Card? He Said No I Could Come To Bank & Pick Up New XXXX XXXX XXXX. I Explained I Do n't Drive & I Was Getting Over An ILLness. That Because of My Health I Was & Still Am Afraid of Catching The XXXX. He Said I Would Get My New XXXX XXXX Card in XXXX to XXXX Business Days. On XX/XX/XXXX I Still Hadn't Received My XXXX XXXX Card, I Called Bank Female Associate Stated Because of Pandemic It Could Take 2 To 3 Weeks To Get My XXXX XXXX Card. But I Could Come To Bank & Pick Up a New XXXX XXXX Card, Your XXXX XXXX  Card Is In The Mail XXXX XXXX. 
It's XX/XX/XXXX And I Hadn't Received My XXXX XXXX Card. Even If I Had Someone To Take Me To My Bank I Would Be Fearful, Because I Have NEVER Been Treated Like This From Any Bank I Have Had Accounts With Over The Past Thirty Years. 
I Have Tried To Email CEO of First Horizon Bank But I Never Received An Answer From XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: UNITED COMMUNITY BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
United Community Bank, again. 
UCBI I am the Administrator of an Estate, and as such, have an Estate Account held at the subject bank. 
On XX/XX/2023, a statement was generated for this account showing a balance of {$42.00}. There were no additional notes, notations, indications of dormancy, no contact attempts known to me as account holder on this Statement of Account, and as well, no additional notifications or letters are known to have been sent to inform me of any intention to charge my account with any kind of fees, and therefore no NOTICE was given regarding intent to charge any fees of any kind. 
On XX/XX/2023, ( two days later ) a second statement was generated for this account showing a balance of XXXX, after a debit was charged on XX/XX/2023 labeled as DORMANT FEE for the entire balance of {$42.00}. 
The Deposit Account Terms and Conditions state : " DORMANT ACCOUNTS : If you have not made a withdrawal from, or a deposit to, your account for an extended period of time, your account may be classified by us as dormant. Subject to applicable law, we may charge a dormant account fee on the account, and the account will be presumed to be abandoned if we have been unable to contact you. In accordance with state law, funds in abandoned accounts will be remitted to the custody of the applicable state agency, and we will have no further liability to you for such funds. We reserve the right not to send statements on accounts we consider dormant, subject to applicable law. '' Furthermore, the Personal Miscellaneous Fees ( Fee Schedule ) for this account indicates {$5.00} per month may be charged for Dormant Accounts. A reasonable understanding of this policy would indicate after attempt to notify the account holder ( me ) and a notice given on actual statements, then a {$5.00} fee per month would be deducted until the account balance is either exhausted or the determination that the account has been abandoned, and at that point, funds would potentially be escheated to the State ( Georgia ). 
No such notice was given, no monthly fees were charged, and the account was fraudulently depleted and inappropriately and allegedly illegally seized by UCBI to enrich the bank. Personal reports to me from at least one other individual with inside knowledge of policy and procedure indicate this type of action has happened to other accounts. I believe due to the prior reports and relationship, this action was intentional and directed as a way to expedite closing my relationship with UCBI.

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 2023-03-11
Company: EQUIFAX, INC.
State: FL
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:
These accounts are in violation of the FCRA and Metro 2 Compliant reporting standards and according to FCRA this is a violation of my rights. I checked my report and noticed multiple billing errors under 15 USC code 1666 b billing error - the creditor 's failure to reflect properly, a payment made by the obligor or a credit issued to the obligor. 
The creditor did not notify me 21 days before with a statement so there should be no late payment on these accounts. I demanded to the creditors to see hard solid proof that the accounts were not paid and deemed late because of billing error. These accounts should state paid and closed with no late payments on my credit report. 


XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Due to the fact I cant work and my husbands job has been impacted, I fell two payments behind. I have been working with Nissan every step of the way to get this resolved. Ive made numerous calls to Nissan. I spoke with one of the service representatives and we came to the agreement that I would need to submit a payment through the online system on XX/XX/XXXX. Then call Nissan on XX/XX/XXXX to continue to work on the second late payment. I was told the account would be documented but I still might receive a phone call every few days. Instead I am receiving several calls daily. Some that arent even an hour apart. I set the payment up online yesterday as I said I would. This morning yet again I received three calls not even an hour apart. Thats just before I filed this complaint. I am sure there will be more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the code 15 usc 166b I have to be notified 21 days prior for a late payment to be reported late. I was charged a late payment fee and a late payment was illegally reported on my credit report. I would like them to abide by the law and remove the late payment off my credit. I have asked to be sent FULL accounting and have not received FULL accounting.

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 2023-07-19
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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 an alleged identity theft, not later than XXXX 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 2021-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had made few calls to Kohls card to understand and remove the interest in protection balance but not very success as representatives are not able to fully answer my inquiries while Kohls charges XXXX interest on a monthly basis. First there is interest on purchases and interest in protection balance. Recently I looked at the card agreement and there is nothing stating an interest in protection balance ( XXXX XXXX XXXX  ) I am more than happy to share my statements and Kohls credit card activity which I havent made recent purchase since last year but I still get charged both interest on purchase and interest protection balance. I will greatly appreciate support and help for someone to look at Kohls legit interest charges. 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern ; I recently received a copy of my XXXX XXXX and Transunion credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates.

Did I give your written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a )
( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently 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 2017-04-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a loan modification and was denied due to " Insufficient Monthly Payment reduction '' at this time my interest rate is 6 % and I am working as a sales person and I also have rented a room out to try to make ends meet, I can start making payments but this is the answer I got, Nationstar is refusing to lower my interest rate and modify my loan so I can afford to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I, XXXX XXXX, under the penalty of perjury certify that all forthcoming statements are true and factual. On XX/XX/2021 Bank of America to be continuously referred to as BOA began violating my rights as a consumer when they knowingly and willingly sent me postal mail expressing that the company reversed a mobile deposit of check # XXXX that was made on XX/XX/2021 using BOA account # : XXXX. This is fraudulent action violates the Fair Credit Billing Act which was enacted to cover settlement procedures in relation to billing errors. Those billing errors include : Unauthorized charges, Charges with an incorrect date or amount, Charges for undelivered goods or services. Math errors, Failure to post payments or credits for returns, Failure to send bills to your current address, and Charges for which you request clarification or written proof of purchase. The actions taken by BOA display a blatant disregard for the Fair Credit Billing Act and Fair Credit Reporting Act because they are inaccurately being reported and include math errors, unauthorized charges, charges with incorrect dates, amounts, and account information, as well as charges for which I request clarification. BOA has yet to provide me proof as a consumer and account holder that an actually check deposit of {$3500.00} was in fact redeposited into account # XXXX via mobile deposit on XX/XX/2021 for the 2nd time following the initial deposit of this check via mobile deposit on XX/XX/2021. BOA is stating that I redeposited a duplicate check into my checking account # XXXX on XX/XX/2021 and because of this they reversed {$3500.00} out of that same account number forcing the account to become negative {$3500.00}. This account being in a negative status has caused me financial and emotional hardship due to the fact that this is the only personal bank account that I currently have access to. I can not pay my bills using my bank account or deposit funds without them being illegally stolen from me by BOA. BOA has a history of being predatory toward consumers and violating consumer and federal laws for self-gain. BOA has 30 days starting upon the receipt of this complaint to validate their fraudulent activity taken or credit my account in the amount of {$3500.00} immediately. BOA needs to abide by federal law despite company policies and ensure that they discontinue the use of illegal practices that violate the Fair credit billing act, the fair debt collection practices act, and the fair credit reporting act.

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