BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX, began charging me a recurring membership fee of {$19.00} / month on my BOA credit card. I'd never heard of XXXX XXXX and certainly never authorized this charge. I believe the membership was established by someone who bought my information after a BOA data breach. I don't hold XXXX responsible for originally establishing the fraudulent account. But XXXX, to my mind, has become a party to the fraud by not closing the membership, despite my efforts to get them to do so. 
I called the XXXX number for XXXX XXXX that was shown on my credit card statement. I got a recording that says XXXX doesn't answer or reply to telephone calls, and I should email XXXX  at XXXX. I've done that twice ( XX/XX/2020, and XX/XX/2020 ). No reply. 
I prowled through the XXXX website to see whether there was an online form or other method to contact XXXX. The website 's FAQ page says to touch the onscreen button at the lower right. There's no such onscreen button, at least not on the screen where I found the instruction. 
I wrote twice to Mr. XXXX XXXX, the CEO of XXXX, the holding company that owns XXXX ( XX/XX/2020, and XX/XX/2020 ). He was at the lowest responsible level I could find with a human being attached. 
The first letter seemed to elicit a response. On XX/XX/2020, a woman called me who identified herself as XXXX from XXXX XXXX. She told me that XXXX was cancelling my account and dropping all charges. Unfortunately, I didn't ask for her last name or contact information, nor for written confirmation of what she told me. Neither did she offer to provide any of these things. They seemed unnecessary, because the matter seemed resolved. I noticed that my Caller ID showed a telephone number, but didn't identify it with a name. That seemed ( and maybe was ) insignificant. 
I heard nothing more from XXXX XXXX during XXXX, XXXX, and XXXX. Then, on XX/XX/2020, XXXX resumed charging me {$19.00}. On XX/XX/2020, I wrote again to Mr. XXXX, again by certified mail. This time the letter was returned to me, unopened and ( obviously ) unread. The envelope was marked that the mailing address was incomplete and the office couldn't be found. It was, of course, the HQ of XXXX, at the same address, where I'd written to Mr. XXXX 4 months earlier -- which raises the question, if the CEO 's office could be found at that address in XXXX, why not in XXXX? I assumed the letter was being refused. 
Meanwhile, on XX/XX/2020, XXXX charged another {$19.00} to my credit card. 
I recently managed to find, tucked away in an obscure corner of the XXXX website, the address of XXXX XXXX legal department. Yesterday XX/XX/2020, I sent them a letter, too ( certified mail ). I told them I'm also contacting you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: VT
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:
I redeemed Chase Sapphire Points to book travel. Due to a family situation, I needed to change my return flight. I received a confirmation from Chase for the new flights. When I attempted to check in with DL, I was told that the reservation had not been made properly and in order to fly home I had to pay {$180.00}. I did so. 

A day after my return on XX/XX/22, I phoned and explained the situation. Sapphire investigated and told me that I would be issued a refund. 

On XX/XX/XXXX, not having received a check, I phoned again ( each of these calls involves waiting on hold to speak to a representative to whom I tell the entire story, then waiting again at length for a supervisor ). I spoke to XXXX XXXX who, after spending more time checking on this matter, said I would be sent a refund check in 3-5 business days. 

On XX/XX/XXXX, I spoke to XXXX and then to XXXX XXXX, a supervisor. He told me, after a long wait, that I would be sent a refund check within XXXX week. 

On XX/XX/XXXX, I spoke to XXXX and then supervisor XXXX, spendiing more than an hour on the phone. I was told that I would get a credit for {$180.00} on my credit card statement in 'one to two months or billing cycles, ' XX/XX/XXXX at the latest. No credit appeared then nor has a credit or check appeared since then. 

On XX/XX/XXXX, I spoke to XXXX and then 'Senior Specialist ' XXXX XXXX XXXX He told me, after long delays on hold, that he would have to investigate this claim and that he would definitely phone me the next day at XXXX. ( These calls allegedly are all recorded by Chase. ) He also gave me a number to call the next day if he did not reach me. He did not call and the number I was given was 'not in service at this time. ' More wasted time. 

That day, XXXX XXXX, I spoke to XXXX and then to supervsior XXXX, who claimed to be 'at the highest point, ' and would research this and call me back in a few days or a week at the latest. It is now XX/XX/XXXX and I have no calls and no refund. 

Would you please help me?? The Trip ID is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to file a complaint against XXXX. I attempted to settle this account twice though XXXX. XXXX and XXXX XXXX. With XXXX. XXXX, I made a counter-offer to a their offer and sent money. The money was sent back and requested full payment. I requested a cease of communication from the collection agency. I disputed via XXXX  and it was removed from credit report on XX/XX/20. With XXXX XXXX, I received a phone call and I explained the aforementioned. The customer service representative made an offer. I requested for the offer to be put in writing. I never received the offer and the account appeared on my credit report. I requested a cease of communication from the collection agency. I disputed via XXXX  and it was removed from my credit report on XX/XX/20. With Source Receivables Management, I received a notice and I responded explaining the aforementioned. I never received a response or a bill. Instead, it later appeared on my credit report. In the recent dispute, the results verify the same account in the two previous disputes as accurate on XX/XX/20, where previously they were removed. I do not agree with the practices of the creditor to collect a debt when I have responded to all their notices/calls to settle debt. I have requested a cease of communication from the collection agency. The practices XXXX have exercised deterred my credit, which is what I was trying to avoid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Disputed an unknown XXXX XXXX XXXX account on TRANSUNION months ago. I believed it had been removed, but XXXX XXXX still shows this fraudulent unknown account. I didn't receive any loan or credit from this company on the date this account was opened. And showed be past 7 years.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2022-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
Filled a complaint about not being my debt. Asked the company to remove. Debt continues to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was taken out for XXXX that was closed out in XXXX with a balance of XXXX dollars that is in collections with portfolio recovery. 
Another XXXX credit card was closed out in XXXX with a balance of XXXX dollars that is in collections with XXXX XXXX XXXX. 
My name was used for XXXX XXXX XXXX mobile service that is in collections with XXXX in the amount of XXXX dollars. I believe the activity on this was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: TN
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:
Hey, My name is XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX I received an electronic notice from Experian stating that I had a delinquent credit account with XXXX XXXX. I have a car lease with XXXX XXXX that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from XXXX XXXX   stating that I owed {$1300.00}. Given that I still had one more payment left I called XXXX XXXX to understand what the owed amount was related to. According to XXXX XXXX, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ XXXX monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to XXXX XXXX that I was never once told of of the increased payments. XXXX XXXX  has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to XXXX XXXX   numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice XXXX XXXX  has negatively and quite unfairly impacted my credit score. It is clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

XXXX XXXX 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on  the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with XXXX XXXX is XXXX. Thank you, 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 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello My name is XXXX XXXX In 2010 I had financial problems due to the financing crisis. 

At that time I paid off all my debts, even selling my car. because I understand that it is the right thing to do. 

I had to pay my debts, not bankruptcy. 

10 years have passed and one of the banks that I paid, Bank of America, tells me that I have a debt with them.

I told him no because I had settled it that they made a mistake. The answer I quote " we don't make mistakes. '' My response was I will call my bank so they can give me a copy of the check. To my surprise, my XXXX XXXX  tells me that they only keep checks for ten years.

Bank of America deliberately waited for ten knowing that I would not be able to get proof of payment.

But he spent 10 years without charging interest or trying to collect the debt. It wasn't a mistake, it was deliberate.

I am starting a company, based on an application to help people with food and this application is an online supermarket, due to this condition it has been impossible for me to obtain financing. Despite having made the application. 

Because of this impossibility, I looked for a job in a company, now they take part of my salary. 

I want help to carry out an investigation in New Jersey, it is a business model that there are more people in the same situation. 

Furthermore they did not pay taxes on the money they received from us and perhaps forcing their clients not to pay taxes either. 


Thank you, waiting for your cooperation and help 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 2023-06-15
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted on-line dispute twice to all three credit bureaus ; XXXX, Equifax and XXXX to have them to update my student loans in the amount of {$97000.00} as paid in full and that the account has been closed. Pay off date which is listed in the letter is XX/XX/XXXX. XXXX which is a Department of Education Servicer sent two letters to me to notify me and stated that they have contacted and sent this information to all three credit agencies. When I received the update from XXXX and Equifax nothing has change on the credit file ; the amount of {$97000.00} is still outstanding, which effects my credit debt ratio and the account is still open. 

XXXX has been contacted again and stated they will try again and reassured me this information regarding pay off is still listed on their website However, I have retain personal copies of both letters. I tried a third time by submitting the same information in writing along with copies of the letters from XXXX only to receive the same results. 

For the third time I submitted the same information in writing to all three agencies, along with copies of the both letters from XXXX, only to receive the same updated information as of XX/XX/XXXX that the amount of {$97000.00} is still outstanding and the account is open and not closed. I gave both XXXX and Equifax a call and spoke with a representative. Both stated that they did not receive any information from me or XXXX and that this information will remain until paid in full and even after being paid in full the information will remain on my credit file for the next 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I make a deal with a XXXX for rent an appartment. So long short story, when the moment that I have to meet the XXXX at the appartment came, he never show up, and when I XXXX his email and his phone number, I saw a XXXX XXXX with the exactly modus operandi of the scam. The appartment never was available, never was renting, a totally scam. But at the moment we found that it was a scam we already transfer him the security deposit and first rent month {$4000.00} ( XXXX XXXX XXXX pesos ). so Im writting this cause maybe my money is gone but I transfer that money to a Wells Fargo account, so theres the information of an account that is commiting crimes and scams, because I wasnt the firstone. I really expect that you can help me. Maybe not with the money but at least to find out the scammer and see what else we can do with that account info

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$390.00} XXXX {$0.00} XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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