BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been going back and forth with bank of america since XX/XX/2021 in reference to unauthorized purchases and atm withdrawals using my debit card. I have written to them on 4 occasions as they keep closing my dispute as unpaid. The only reason they have given me is to say that I authorized these transactions and I have explained all 4 times that I did not. I was not aware that my card was being used and all those excessive transactions were taking place as bank of america never notified me although the activity should've raised major red flags based on my account usage and history. As soon as I discovered my card was missing I contacted bank of america immediately and also went to the branch. I withdrew pretty much almost all of my money which was almost {$10000.00}, because I was afraid that these thieves would be able to victimize me again. Bank of America did nothing but charge me {$15.00} for a new card that day, although my card was clearly stolen. There were purchases happening in places super far from where I reside and places I have never been. I explained over and over to bank of america that I had nothing to do with this and asked what do I need to do for my claim to be approved as this is fraud. There were back to back atm withdrawals which to me should've been a red flag, because I never do that. I have continuously asked what exactly do they need from me. Bank of america never tells me anything, they just deny the claim and say the transactions were authorized by me. No further explanation and no assistance at all. I am feeling victimized all over again by my bank as I am being accused of something that is not true. 

XX/XX/2021 Unable to pay XX/XX/2021 Unable to pay XX/XX/2021 Unable to pay Claim date : XX/XX/2021 Claim number : XXXX Claim amount : {$1300.00}

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 monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2022-01-02
Company: Experian Information Solutions Inc.
State: WA
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 pulled my credit report and noticed an account that should not be there as it is information that is supposed to be excluded in a credit report, pursuant to 15 USC 1681a ( 2 ) ( B ) which states : ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device So XXXX XXXX of XXXX has violated this law as they did not disclose this information to me and XXXX XXXX ( the lien holder ) is equally culpable for participating in this experience so I demand the deletion of this account from all consumer reporting agencies.

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 2022-01-02
Company: Experian Information Solutions Inc.
State: NY
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:
The Fair Credit Reporting Act ( FCRA ) law grants credit bureaus 30 days to verify or delete a disputed item. At times, credit bureaus exceed that time and wont reply. If the credit bureaus doesnt respond within 30 days, theyre in violation of 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
Consumer complaint received 2019-07-14
Company: AMCOL Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Daughter, XXXX XXXX, visited XXXX XXXX ( Part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for routine vaccinations. She had XXXX XXXX XXXX XXXX XXXX at the time. There was a coding error between the doctor 's office and the insurance company which denied coverage for 2 vaccines ( {$150.00} and {$240.00} ). I started receiving bills from XXXX for {$390.00}. I discovered the coding issue and it was resolved in XX/XX/XXXX. At that time XXXX XXXX paid for the service. But I continued to receive bills for {$390.00} from XXXX. Every month I would receive a bill and every month I would call them and challenge it and tell them that they had been paid. I sent them the XXXX XXXX statement monthly to prove it was paid. But I still receive bills from them monthly. XXXX has now taken the step of referring me to a collection agency for a bill i do NOT OWE! I am at a complete loss as to what to do. I am stuck in a vortex of incompetence with XXXX billing department. 

The attached documents show the bills from XXXX and the Collection agency with the description of charges ( Vaccines for {$150.00} and {$240.00} ) I also attached the XXXX XXXX statement that clearly shows on page 2 that these services have been paid. 

Please make XXXX stop sending me these bills. Please try and reverse the damage a Collection Agency can have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXXXXXX XXXX XXXX, I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX to purchase 1 tire and was sold 4 new tires. Agent said that they had a promotion going with GOODYEARska ( Citibank ). If you purchase 4 tires you get them interest free for 6 months. They ran my credit and qualified me for the Goodyear credit card. After about 4 months I went back to XXXX XXXX XXXX  To let them know that I have not received a bill statement for my card its been 4 months. Ive never recieved the credit card or a email, mailing or phone call from Goodyear or Citibank. In XX/XX/2022 great rivers tires put me in contact with goodyear but by then I had incurred late fees over the limit fees on the account. Each time I call Goodyear XXXX XXXXXXXX to attempt to make a payment they refuse to take my payment. They hang up on me, I have to keep calling back! the phone calls last for 2 hours while They pass me all around to varies departments. They claim that they can not verify who I am because I dont know my account number. I dont know my account number because they didnt mail me the card or a statement. I gave goodyear my phone number address etc and they continue to say that hey can not verify me therefore they can not accept any payments from me. This is the most ridiculous thing i have ever heard from a credit card company! In the meantime they are reporting my account as late destroying my credit. My complaint is that Goodyesr ( Citibank ) keeps reporting my account as late to the 3 major credit bureaus yet they are to blame because They are refusing to take my payment, this is negligence on thier part. They are reporting my account as late yet they refuse to take a payment. They claim that they can not verify who I am. They say that I must wait for a letter from Citibank. After they get me verified then I can start making payments. They claim that they can not verify my identity yet they seem to know how to use my information to report my account as late each month. This is insane, please I help, I eed intervention..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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  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 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 non-monetary relief
Consumer complaint received 2022-06-15
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: Investigation took more than 30 days

Complaint:
I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
AMERICAN EXPRESS COMPANY is obligated pursuant to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX filings and Indenture agreement to perform their contractual obligation by making payment of the principal amount and interest on all notes issued to the registered holder of said note. Consumer sent several notices via UNITED STATES POSTAL SERVICES dated XX/XX/2023, XX/XX/2023 to XXXX XXXX XXXXXXXX XXXX XXXX notifying him of redemption of said note and to transfer the principals balance to the principals account number to set-off the account to XXXX as stated in AMERICAN EXPRESS COMPANY indenture agreement Method of payment ; Denomination ; Transfer ; Exchange ;. 

Said company had 3-5 business days upon receipt of such notice to perform their Fiduciary duty, but failed to act in honor and good faith pursuant to their contractual obligation. AMERICAN EXPRESS COMPANY is also obligated by the FCRA to report accurate accounting to Consumer Reporting Agencies CRA, however the reports being furnished is inaccurate and a defamation of consumer character. SAID company is also liable under the CFPB and SEC to remain complaint with financial laws and regulations. AMERICAN EXPRESS COMPANY commission file number XXXX. XXXX XXXX. SAID company is still reporting inaccurate and late payment information on an open ended credit card account which is a violation of 15 USC 1666A, 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ; took an adverse action against the consumer by decreasing the credit limit due to their failure to not act in good faith by not applying consumer credit balance to set-of the account ; which is discrimination under the Equal Credit Opportunity Act ( ECOA ). AMERICAN EXPRESS COMPANY willfully and knowingly choosing to act in dishonor is damaging my consumer report, causing me mental anguish and emotional distress. I will be filing Treasury XXXX forms XXXX and IRS XXXX form XXXX to audit consumers account. AMERICAN EXPRESS COMPANY is securitizing my data yet refuse to transfer the principal interest to the principal balance to set-off said account to XXXX balance which they are lawfully required to pursuant to their indenture agreement; SEC filings XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX have reversed them but TransUnionis refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2023-05-15
Company: Experian Information Solutions 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX

Company 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 2023-07-28
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the account, or inaccurate information, from my file immediately & send me the results to the address. 
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 2022-01-01
Company: EQUIFAX, INC.
State: NY
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:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
New loan servicer on a ten year old loan. Does not mail me the bill. Website is malfunctioning and will not let me register. The servicer is not letting me pay my bill! It's baffling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I followed the instructions that Equifax provided on the complaint filed under XXXX. I sent in a copy of my drivers license and social security card. I received the same letter stating they could not find my records.

Company response to consumer: Closed with explanation