BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-21
Company: The Receivable Management Services LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by Receivable Management. As a valued customer, I expect that Receivable Management would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. 

The crux of my complaint lies in the unauthorized sale of my debt to a XXXX creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a XXXX  negative impact on my financial well-being and creditworthiness. 

I kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. and other applicable consumer protection statutes.

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 2024-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit 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:
Hi, I am writing to bring to your attention a dispute I am currently facing with Bank of America regarding fraudulent charges on my account. I believe your intervention may be necessary to help resolve this matter. 

On XX/XX/XXXX, my Bank of America card was allegedly used to make a purchase at XXXX XXXX in XXXX, WA, amounting to {$360.00}. However, I can confirm that I was out of town on business in Iowa during this time, and my card was in my possession the entire period, securely stored in my wallet. 

Immediately after the suspicious charge, Bank of America flagged the transaction, along with several others, as potentially fraudulent. I received timely notifications via text messaging, and I promptly confirmed these charges as fraudulent. Subsequently, on XX/XX/XXXX, I contacted Bank of America 's fraud department and initiated a discussion regarding the unauthorized transactions. The bank assigned claim number XXXX to this case. 

To my dismay, the very next day, on XX/XX/XXXX, Bank of America surprisingly and without clear explanation, denied my claim, absolving themselves of any responsibility and leaving me liable for the fraudulent charges. This has resulted in an unjust financial burden and has significantly impacted my confidence in the security measures provided by the bank. 

I request your intervention to help me with this claim with Bank of America. 

Thank you, 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 monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed addresses that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-11-17
Company: EQUIFAX, INC.
State: WA
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 am writing to submit a formal complaint against XXXX located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am questioning the authority you UPHOLD on how you just DENIED my request without offering clear and justified explanations. DO YOU THINK I AM JUST PLAYING GAMES WITH YOU!? OR YOU ARE THE ONE MAKING FUN OF ME? DONT DO THIS TO ME WHAT YOU ARE DOING TO OTHERS!! I AM NOT WASTING MY TIME COMPLAINING I AM A VICTIM HERE AND THEN YOU SEND BACK SOME USELESS LETTERS!!! Your letter, which lacks specificity and transparency, undermines the trust and confidence that consumers are expected to have in your organization. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
Furthermore, it is disconcerting to find that your bureau, which is not directly involved in the initial investigations of fraudulent activities, deems itself fit to pass judgment on the validity of claims without providing any substantial evidence or clarification. This raises serious questions about the authority and competence of your bureau in making such crucial determinations.

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX a charge was made for XXXX to XXXX from my checking account I approved said amount and canceled it. I have record from XXXX and XXXX  stating that loan was canceled and did not receive the merch. XX/XX/XXXX Bank of America denied my claim even after I provided documentation that it had been canceled. Ive submitted XXXX disputes and theyve all been denied. I have physical proof and its still being denied. I dont know what else to do. XXXX tells me its up to Bank of America because theyre holding the transfer and Bank of America is telling me that XXXX  claimed my loan went through. So Im not getting anywhere.

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 2024-01-13
Company: U.S. BANCORP
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company 's customer service is extremely hostile. They have locked me out of my account and I can not have access to my statements which are needed for filing my taxes. I need access to my account so that I can retrieve my statements.

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 2023-12-07
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted ( and Mohela received ) my SAVE income-based repayment application on XX/XX/2023. 

The status has been " Processing '' ever since.

Multiple calls over the months and they have confirmed every time that nothing else is needed from me ; they just have too many applications to review and haven't gotten to it.

As a result, I was placed into an administrative forbearance. However, that has since ended, and Mohela wanted me to start paying the loan back monthly at a very significantly higher amount ( almost twice as much ), since Mohela has not had time to review ( apparently 3+ months is not enough time ). 

I called and asked for another administrative forbearance, however while I am off the hook for paying, the interest is capitalizing on the loan. 

There is literally no incentive for them to process my application if my interest is capitalizing. Why should I have to pay more over the life of the loan because they can't get their applications in order? I don't understand why they are able to capitalize the interest. 

I read online recently that the government disallowed Mohela specifically from charging interest when mistakes are made. Would this not be similar to a mistake, taking forever to process an income-based application? 

Is Mohela allowed to charge me interest based on their inability to process my application in a reasonable amount of time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/ XXXX  I sent a letter regarding in accurate and unknown things on my credit report to this day over 51 days later I have yet to receive a response yet. I feel like I'm being taken advantage of and that my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have gotten in the hands of the wrong person.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-22
Company: Titanium Funds
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I purchased a vehicle that was financed through titanium funds back in XXXX. I had the car for about XXXX week and I could not afford to insure it and i returned the vehicle to the car lot. Titanium funds has been reporting negatively on my credit every single month since XXXX. I am on XXXX and Ive asked several times about forgiveness or what I need to get this off my report and they said that there is no statute of limitations on how long they can report and refuse to give me any kind of assistance in resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
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 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit 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 am writing to express my extreme dissatisfaction and frustration regarding the lack of cooperation from Bank of America in validating the debt associated with the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Despite my repeated attempts and evidence provided, demonstrating the invalidity of this debt, and proceeding to investigate the charge as an abuse, Bank of America has ignored me and provided inaccurate information to the credit bureaus. 

I stayed at the XXXX XXXX XXXX XXXX in XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, and I paid with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX belonging to Bank of America. During my check-in, the reservations manager " XXXX XXXX '', ( see attached business card of XXXX XXXX, marked XXXX XXXX XXXX  XXXX ), agreed to remove and waive the daily hotel rate of {$52.00} because ( i ) it was not adequately described in my hotel reservation as required by Nevada 's Deceptive Trade Practices Law NRS598.0915, and ( ii ) I was not interested in receiving any hotel amenities. In fact, I did not receive any. 

Once again, the information about the hotel fee waiver was confirmed during my check-up process on XX/XX/2023, by the person in charge of the check-up process who gave me the departure receipt, to be signed. The copy of the receipt attached to this complaint clearly shows the non-existence of any resort fee. Please see the attached document, marked as evidence, ( XXXX XXXX XXXX  '' ). 

After several days, I realized that Bank of America charged me {$150.00} for the hotel resort fee ( {$52.00} for 3 days ), I immediately opened a dispute with Bank of America and sent them copies of the documents to support my claim. Bank of America initially proceeded to remove the charge ; however, these charges were later reinstated to my account with the following bank 's allegation : " Purchased items were not properly returned to the merchant, a credit receipt was not received, or the credit receipt was not " does not provide us with enough information to confirm that the merchant should have provided credit. '' Undoubtedly, Bank of America treated me unfairly and acted in bad faith by not adequately reviewing my allegations as a cardholder. Bank of America not only proceeded to charge me for resort fee charges that the hotel promised to eliminate ; for amenities that I never received, but also for resort fees that were not included on the check-up receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing a complaint against XXXX XXXX XXXXXXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). The situation involves the unauthorized authorizations with XXXX. 

I formally requested the cessation of any and all authorization-related activities concerning my credit card and auto loan accounts with XXXX, in accordance with the FCRA ( 15 USC 6802 ). This includes written, unwritten, verbal, or non-verbal authorizations that may have been given. As of XX/XX/, I have not received any acknowledgment of resolution. 

Enclosed with this letter is my original correspondence to XXXX, dated XX/XX/, outlining my requests and seeking confirmation in writing that my concerns have been addressed. 

I seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected and that XXXX XXXX XXXXXXXX XXXX complies with the provisions of the act. I believe third-party intervention is necessary to facilitate a resolution. 

If additional information is required or if you have any questions, please contact me at the provided contact information. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you with the utmost urgency and frustration regarding the presence of fraudulent accounts on my credit report. It has come to my attention that my financial standing is being wrongfully compromised due to these unauthorized entries, and I demand their aggressive and immediate removal. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX - EQ have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I insist that you conduct an immediate, thorough investigation into this matter, and I demand the prompt deletion of these unauthorized entries from my credit report. This is not a mere request but a demand, and I expect you to treat it with the gravity it deserves. 

Failure to comply with this demand within [ 10 days ] will leave me with no choice but to escalate this matter through legal channels. I will not stand idly by while my financial reputation is marred by your failure to act promptly and decisively. 

I anticipate your urgent attention to this matter and require written confirmation of the removal of the fraudulent accounts within the stipulated timeframe. Your cooperation is not negotiable, and any further disregard for my rights will be met with immediate legal action. 

Time is of the essence, and I expect you to treat this matter with the urgency and severity it merits.

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