BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi, I really need help. My bank XXXX Bank of America ) isn't helping me. This dispute is about a number of companies- most of whom I personally reached out to. 

A business ( XXXX XXXX ) charged me {$400.00} hours and refused to refund it, though we did NO business. BOA didn't even being speaking to their bank until XX/XX/XXXX ; I reported it to them earlier than this. Its has been going on for almost a month ( 27 days in fact. ) Another business called XXXX or XXXX charged me {$170.00} + {$5.00} ( an international fee ) and refused to refund it. Again, we did NO business. That charge went through on XX/XX/XXXX and has not been refunded. XXXX agreed after I continued to demand a refund on every platform possible ( which I have also done with BOA and XXXX XXXX ) However, when I spoke to BOA they suggested I not remove the request. Why couldn't they then take the evidence I have when approaching the bank to retrieve my funds? BOA is not INTERESTED in retrieving my funds. 

Finally, on XX/XX/XXXX a company ( or two ) charged me for services I did not ask for. Immediately BOA contacts me with a fraud alert ( on that very day ) and I confirm that it is fraud. They change my cards, BUT STILL LET THE CHARGES THROUGH. And now, I am in a potentially 90 day mess of a process with BOA and all of these businesses that have defrauded me. What is the purpose of a bank if they are not protecting me? 

I contacted BOA about everything. I have contacted these businesses. NO ONE IS PROTECTING ME. And all parties involved are requiring me to continue to engage in a daily process of trying to retrieve my own funds and rectify legal violations of my rights. My mental health is declining because of this. 

I have been really diligent in trying to resolve this and at this point, I have no clue what to do : I have even contacted the XXXX no one responded to them. So, what about me? Am I not a human? 

However, I contacted the company and recorded the entire interaction. They agreed to a refund and have been unreachable since. I have attached the evidence. 

Please let me know if there is anything you can do to help me?

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 2021-09-15
Company: EQUIFAX, INC.
State: NM
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:
Equifax is completely unwilling to help me fix an issue with my equifax.com login. 
I have been calling for two weeks and I keep getting hung up on when the customer service associate exhausts attempts to unlock my account. 

I have spent hours on the phone trying to resolve this and they keep saying they will escalate it to tech support but every time I call they say they don't see a case number. I don't know what else to do at this point. I am trying to access my account because I am trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: ALLIANT CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account, a savings account and a certification on XX/XX/2023 using the promo code XXXX. According to the term, i should receive {$100.00} for each account i've opened so in total i should receive a {$300.00} bonus by XX/XX/XXXX. However, until the due payout date ( XX/XX/XXXX ), I have not received the bonus. Please help me get the bonus i should have gotten. 

Terms : Open a savings account by XX/XX/2023 plus have a minimum {$1000.00} savings average daily balance on XX/XX/2023 to earn a {$100.00} bonus. 
Open a checking account by XX/XX/2023 plus have a minimum {$100.00} checking average daily balance on XX/XX/2023 to earn a {$100.00} bonus. 
Open a certificate by XX/XX/2023 plus maintain a minimum {$1000.00} certificate balance on XX/XX/2023 to earn a {$100.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CAINE & WEINER COMPANY, INC.
State: OH
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:
I noticed a charge for Caine and Weiner on my credit reports. Its for XXXX XXXX. I called XXXX XXXX last week and found out the charges are from XXXX when my ex husband added his car to my insurance. I since learned he called and acted as if he were I. This is identity theft. I filed the identity theft affadavit with FTC and sent it to XXXX XXXX and called to follow up. They told me pretty much its not fraud and to send a divorce decree and that its been so long they probably couldn't fix the issue. IT WAS DONE WITHOUT MY AUTHORIZATION. THE CAR WAS NOT MINE NEITHER ARE THE THE CHARGES. I PAID {$250.00} to start the policy and cancelled as soon as I realized the car was added. I had insurance for 1 month and was billed over {$600.00}. I also opened a new policy with the same company when I cancelled this policy. I currently have XXXX  and have for the past 5 years. I pay my bills. This bill I am not responsible for as I did not add the car to my policy. Caine and Weiner was also made aware of the situation last week and advised I call XXXX to solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For the past 2 weeks I called Costco Citi business credit card 10 times. Each call was 40minutes long. The fraud department constantly calls if someone opened a new card under my business name. I selected yes through text messages and phone calls. Each time we are making purchases at Costco hence Costco Citi credit card. It declines even with monies within our limit. After my frustration and bad customer service I requested to speak with the supervisor since I called so many time that my cell phone to send a clarifying text message was over used. I needed to go to my place of business to answer my the phone. Otherwise they would have to send a letter with directions on what to do next. This would disrupt my business as I need to make purchase for my business. Every call I made with with assistance with no prevail. Each time the agent would have to patch me to a supervisor and he or she would then tell me i would have no more problems. Today XX/XX/2023 they called my store, called my cell phone and texted messaged me twice today. I dont understand why this keeps happening. I wasn't rude to any of agents. I did express my frustration and confirmed if anything i could do, but at this point I do feel this was intentional. All I wanted was to have a good service with zero hick ups on my purchase. I spend about $ XXXX a week! On business purchases!

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 2023-08-09
Company: BMW Financial Services NA, LLC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Leased a vehicle, XXXX XXXX XXXX VIN # XXXX, on XX/XX/XXXX through Mini Financial Services, XXXX XXXX XXXX XXXX, Arizona XXXX. Same was registered in the state of Florida to my name, XXXX XXXX, under license plate # XXXX and insured through XXXX. No payments were missed and lease was paid until the lease term ended. After returning home from an 8 month trip p on XX/XX/XXXX, I noticed that my vehicle was missing and the valet of my building did not have the key or knowledge as to what happened to my lease vehicle. On XX/XX/XXXX, to report the apparent theft ; however, XXXX XXXX XXXX ( Report # XXXX ), indicated that they could not provide me with a theft report as the vehicle was registered to another person. I immediately contacted the leasing company who denied ever repossessing the vehicle and instead demanded {$20000.00} for the residual value of the vehicle. I then hired a private investigator who revealed that the vehicle was in fact registered under another name in the state of Florida. As per this investigator 's findings and documentation, on XX/XX/XXXX, the vehicle was sold by XXXX XXXX, XXXX XXXX. # XXXX, to XXXX XXXX for {$320000.00}. XXXX XXXX provided my investigator with a copy of the purchase agreement, a motor vehicle title reassignment supplement document, and a copy of an application for a certificate of title with/without registration. Up until this moment, Mini Financial Services continue to demand payments, denies ever repossessing the vehicle, and refuses to follow up with their recovery department regarding the sale of the vehicle by XXXX XXXX even though the vehicle was sold while still having a lien by Mini Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Premier Student Loan Center
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX requesting information to see if I qualify for Income Driven Loan Repament of my student loan. I provided them with my information and they told me I was approved. Several emails were exchanged including documents regarding the repayment. I asked if I needed to contact XXXX and they said no, they would contact them. Additional emails were exchanged regarding repayment amounts, etc. On XX/XX/XXXX, I called XXXX to update my back account information. They said they have not heard from XXXX XXXX XXXX  XXXX or any such company on my behalf regarding my student loan. The operator at XXXX suggested I contact your company as it sounds like a fraudulent company. I ceased making my student loan payments to XXXX as they required and made monthly payment of {$190.00} to XXXX XXXX XXXX  XXXX. My student loan was not delinquent when this started as I was not having trouble paying it back. Please let me know what additional information you need from me as in emails I can forward, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, XXXX / Experian / XXXX has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX : XXXX  : {$17000.00}. I believe it was reporting in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a XXXX XXXX XXXX card from XXXX that showed up on my credit reports.I never signed up for a XXXX XXXX XXXX card through XXXX nor did i ask for my XXXX card to transfer over to XXXX XXXX XXXX card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the sXXXX XXXX XXXX card when they said it was denied.XXXX needs to provide proof that i signed up for a XXXX XXXX XXXX card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXXXXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX  valid thru ... .XX/XX/XXXX account closed on ... XXXX or XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Absolute Resolutions Corp.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have an outstanding debt that I have been paying to Absolute Resolutions Investments , LLC ( XXXX ) through their collector, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) The arrangement was formalized with a court hearing in XXXX. 
1 ) The company that I owed the debt to XXXX XXXX an affiliate of XXXX XXXX XXXX  sold the debt to ARI 2 ) XXXX XXXX   contracted with ( XXXX  ) to collect the debt 3 ) XXXX  sent me a letter dated XX/XX/XXXX advising that they now owned the debt and I needed to pay in full or make payment arrangements 4 ) I called XXXX and made arrangements to pay monthly letter of confirmation dated XX/XX/XXXX 5 ) During the time of the payment with no missed payments XXXX  sent me a confessed judgement letter to be signed by myself and to continue with the same payment arrangement as before. I did not sign it but continued to pay. 
6 ) Despite the fact that I was honoring the payment arrangement with no missed payments ARI/XXXX filed a lawsuit ( weaponizing the court system ) 7 ) Absolute Resolutions Investments filed for a judgement 8 ) I went to a court hearing XX/XX/XXXX where the attorney for XXXX  accepted a written payment arrangement which I have honored in exchange for dismissing the judgement 9 ) In XX/XX/XXXX for the first time a negative collections mark appeared on my credit report from ARI 10 ) I called ARI to find out why. They said that in XXXX they got permission to report debts to the Credit Bureaus and my payment arrangement does not exclude that 11 ) ARI has acted in bad faith. I honored the arrangement I missed no payments.

12 ) Their action immediately caused my credit report to drop by 23 points 13 ) The negative collection account report on my credit report affects my ability to get employment, my ability to get housing, my ability to get loans and if I get loans significantly increases my interest rate. 
14 ) ARI has significantly harmed a paying client/customer/debtor who is completely cooperating 15 ) The payment arrangement has not changed 16 ) This situation represents an abuse of their power and position 17 ) XXXX  sends me a mail confirmation of payment received each month 18 ) They sent me no other communication 19 ) There was no notice sent about their intent to take this aggressive and punitive action against me 20 ) I do not doubt that ARI have many accounts not paying as agreed. I have just received the same penalty as those debtors. ARI has not demonstrated the ability to responsibly use this powerful tool that they have weaponized against cooperating debtors 21 ) I am requesting that they remove this negative remark from any and all credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the validity of the debt reporting on my credit report. After careful review, it has come to my attention that the statute of limitations for these debts has expired. 

As of my last knowledge, the statute of limitations for the type of debt in question is up to 7 years only, and the last activity on this account occurred on XXXX. Based on this information, it is my understanding that the legal timeframe for pursuing this debt has lapsed. 

I am attaching the following photos for your reference : 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 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief