BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to my credit report a loan under XXXX XXXX was originated on XX/XX/2020. The amount owed per Resurgent is XXXX, and per XXXX XXXX  I supposedly owe only {$16000.00}. Due to non payment the loan was sold several times, and currently under debt collection agency named Resurgent phone number XXXX XXXX. I contacted both agencies who both agencies who were unable to provide me with proof of ownership for the loan. I specifically asked Resurgent on XXXX if they can provide proof/paper with my signature on it and I was told by them that they DO NOT have that information. I was instructed to reach out the the original lender XXXX XXXX XXXX ) which I did on XXXX. XXXX XXXX informed me they could not supply me with any documentation of ownership and only provided me with account # XXXX. Both my email and social security number were compromised and feel that both parties ( Resurgent and XXXX XXXX ) violated my rights. They couldn't provide me with proof of contract or that they have a right to collect on the debt. I was denied a breakdown of the billing, original ownership of the contract, a signature signed on the contract, and payment history. Neither company could or would provide me with this information. Therefore, I would like to dispute this matter and would like this item removed from my credit due to these laws being broken. 


15 u.s.c 1681 ( 602A ) 15 u.s.c 1681 ( 604 ) 15 u.s.c 1681c ( a ) ( 5 ) 15 u.s C 1681 S2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX To Whom It May Concern, I would be very grateful if you would kindly delete my credit card from the record. The credit card has been paid in full plus any applicable late fees. In the end you made a lot of money from me. 
As your record indicates, I have dealt with the XXXX of my brother in XX/XX/XXXX and my life required a lot of work and change to get where I am now. I left a job and moved home from XXXX to XXXX to be near family. We are in a much better place emotionally and financially now. I continue to pay my credit card on time and have a small balance now. 
As I am sure you are aware, having a good credit score is important for many purchases in life. I would be very grateful if you would please ask the three credit agencies to remove any derogatory remarks, namely the late payments that show and/or anything else that would negatively affect my credit score. If you cant do this : DELETING THE ACCOUNT is entirely fine, as it is up to you to report ( stated before by previous cc mentioned ). 
I have included the obituary of my brother. This information should be in my profile, because I did call at the time to indicate I was going through a literal XXXX and needed your understanding and leniency. 
Thank you for being apart of the rebuilding after the hardest event in my life. 
Kind Regards, XXXX XXXX Link to brothers obituary XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I used Bank of America ( BoA ) for an online balance transfer from a different card, we wanted better 0 % rates. 2 weeks went by without any confirmation of a transfer. On the 3rd week I checked both the BoA account and the other account. Neither showed any activity beyond what I had paid. At this point I also had not received any mail from BoA either. So I went back online and attempted a 2nd time to make a balance transfer, but this time through a check in the mail. I did receive the check and the literature that is normally associated with these activities from BoA. I used the check to create a balance transfer and it was successful. 

A few days later a second online transfer was made and I did receive the same information I had received from the check transfer a few days earlier. I called BoA and inquired about the details of the online transfer. After much dialogue, BoA stated that they made a mistake and that I simply needed to ask the credit card I was transferring out of for a refund, apply it to the BoA account ; and when that was complete I could call BoA would remove the 2nd transfer fee because it was their error. It was stated they would have notes in the system. 

All this was performed and when I called BoA they stated they would not remove the 2nd fee. To insult to financial injury the original BoA person who was adding the notes into the system gave me a direct number to the BoA Balance Transfer Specialist Department that actually was for the XXXX XXXX XXXX XXXX, or airport lounge.

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 2018-03-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first contacted convergent back on XX/XX/XXXX via certified letter which they have received, I asked them to verify and validate this XXXX phone bill, they say I dont which I do not! I have never had service with XXXX ever. I then asked in the middle of XX/XX/XXXXafter not receiving any correspondence from them for them to provide me with the contract that was allegedly signed when the service was started, still no response, I then sent a third letter in the beginning of XX/XX/XXXX, still no response ... .I have called several times and keep getting hung up on, I advised them that I have never had service with XXXX and for them to send me all the paperwork! I have not received a response 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 2022-03-18
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account with Charter XXXX closed ( by Charter ) in XXXX. The CBE group filed an illegal delinquency credit report XXXX. Reported this to Credit Burreaus who had this removed. As of XXXX this claimed delinquincy has resurfaced on credit reports and demand for payment has been sent again by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: SC
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:
After submitting information that needs investigating I found that my credit scores are significantly lower, and because of one of the same accounts that I'm having a problem with. Every credit agency now has me in the low 600s. I was heading toward the mid 600s ... this is really discouraging!!! I definitely need this to stop and my scores to show back above the 630s. Thank you all in advance for your help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer from Citi to turn my credit card balance into a flex loan. The offer said that I could get money deposited in my checking for up to my total credit card balance, and I would get a fixed interest rate of 11.99 %. It stated that I would have a minimum payment of {$72.00} every month, which includes both the principal and interest owed on the loan for that month. This would be for 60 months. 

I took up the offer for my full balance of {$3200.00}, and had nothing else on my credit. I have not and dont plan on changing anything else on this card. However when my first payment was billed to me, I was charged not only the minimum payment of {$72.00}, but was also charged {$27.00} interest on the {$3200.00} loan balance. This gave me a minimum payment of {$99.00}, which put me over my credit limit by {$27.00} and was put on my credit report. I was charged interest XXXX both in the agree fixed payment amount and separately on top of what was promised to be my minimum payment. 

Customer service cant understand what the problem is, and after a while promises to refund me the interest to my checking account. I never received any refund, and they wont fix it for the future.

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 2022-12-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M SUBMITTING A COMPLIANT REGARDING MY XXXX XXXX  XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was issued the check XX/XX/2023 for the amount of XXXX from a XXXX XXXX bank which I deposited to my Bank of America account. There was a hold placed on the said check. For the following day, I deposited my paycheck from my regular work with the amount of XXXX XXXX  with this being a regular check that I have been depositing for the past eight months a hold was placed again on this check now reading through that my federal banking rules {$200.00} of that XXXX should be available in my account within one business day or two business days I already reached out to Bank of America in one of local bank near me. And also called the XXXX number that they provided me with hopes to get a clear at least on my regular paycheck as bills are getting due. But the agent i spoke with only recommended that i activate the overdraft in my account so that my bills would go thru. I asked them specifically if they would waive the fee if overdraft or for late payment fee as this isnt even fair for them to do this. For a person living paycheck to paycheck. I can not afford to pay late fees. Im really disappointed how bank of america handled my situation.

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 2019-05-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Sir or Madam, I was solicited by email a XXXX mile bonus miles from XXXX XXXX AAdvantage Program. 
I have attached a scanned pdf copy of the XXXX mile email offer. 

I accepted the offer for XXXX miles and was accepted. My requirement was to make credit card purchases exceeding {$3000.00} in three months which I did. 

On XXXX I paid {$1400.00} On XXXX I paid {$1500.00} On XXXX I was credited - {$7.00} Total purchases {$3000.00} On my XXXX statement, I noticed I did not receive my XXXX miles. 

XXXX at XXXX, I contacted a lady named XXXX. She said it would take 1 to 2 billing cycles for the miles to show. 

XXXX at XXXX, I spoke with XXXX which was unable to resolve the issue and escaladed my issue to a supervisor XXXX at XXXX, I spoke with XXXX who also was not able to resolve the issue and transferred me to a more senior supervisor XXXX at XXXX and spoke with XXXX, and she stated she would escalate the matter higher, and that I would be receiving a telephone call within two or three days. The return call never occurred. 

I clearly was offered XXXX miles, I complied with the offer requirements, and now Citibank N.A is clearly not honoring their offer commitment. 

I have attached the following : 1. Original email offer for XXXX miles 2. My original letter of correspondence to Citibank dated XX/XX/2019 3. The first page of my last three months of Citibank statements proving the amounts paid. 

Please look into this matter and please convince Citibank to honor the XXXX miles promised to me. 

Please dont hesitate to contact me and thank you in advance. 

Very best regards, 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 2023-11-28
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-02-11
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-12-22
Company: Experian Information Solutions 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:
XXXX XXXX XXXX has violated my rights according to title 15 USC although they claim they're not responsible for the account I have proof that they have been reporting on my credit for the past couple of years account number XXXX Account number XXXX The phone number I have on file for XXXX XXXX XXXX is XXXX I asked that these counts be removed off of 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 explanation
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: CO
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:
I disputed a charge of {$7700.00} to my Chase Bank freedom unlimited account. The subject charge was posted to my account on XX/XX/XXXX. The charge is for a cruise purchased from XXXX, the cruise provider. The cruise date is XX/XX/XXXX. On XX/XX/XXXX, XXXX informed me through my travel agent that XXXX was suspending all operations and was cancelling the purchased cruise. XXXX is currently in the process of liquidating all its assets. Therefore, the purchased services have not and will not be provided by XXXX and in turn will not be received by the undersigned as the purchaser and cardholder/obligor. 

I filed a telephonic dispute with Chase/Visa on or about XX/XX/XXXX. I have since been informed by Chase/Visa that that my request for a credit would be denied because the dispute was not timely filed in accordance with Chases filing deadlines given the date of the original charge in XXXX. 

As I informed Chase/Visa , the purchased cruise services were rescheduled from XXXX to XXXX due to Covid restrictions and related scheduling complications. The cruise was formally rescheduled to XX/XX/XXXX from XXXX of XXXX. Clearly, the basis for the dispute did not arise until I received notice of cancellation from the cruise provider on XX/XX/XXXX that it was suspending all services. As indicated above, XXXX, the cruise operator, is no longer operational and is liquidating all assets. Therefore, a dispute of this nature could not be filed until notice of the cancellation was received from XXXX, after which time the dispute was timely filed. 

Under the Fair Credit Billing Act ( FCBA ) 15 U.S.C. Chapter 41, it is generally a customers responsibility to file a claim within 60 days following the statement containing the disputed transaction as provided for under the FCBA, and the general time frame allowed for chargebacks under the XXXX chargeback guide is 120 days from the transaction date. However, when the merchant is bankrupt, that time frame is generally extended to 120 days from the expected date of service. In this case, the expected date of service is XX/XX/XXXX, so the filing of the subject dispute is timely. 

Given the above, I am requesting that Chase/Visa take prompt action to credit my Chase account in the amount of {$7700.00} to refund the full purchase price of the canceled cruise services.

Company response to consumer: Closed with explanation