BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am filing a complaint against Bank of America Alaska Airline Visa. The nature of my complaint stems from a fraud report and reversal of the decision by the Visa company to hold me harmless for those charges. On XX/XX/2019, I was at a local middle school conducting a classroom observation as a part of my job. I was at the school from XXXXXXXX XXXX to XXXX XXXX working with the teacher and her students. I had put my briefcase that contained my wallet under the XXXX desk and conducted my business in the classroom. I left the school at approximately XXXX XXXX and stopped at a gas station to purchase fuel. When I opened my wallet, I found that the Alaska Airline Visa card, XXXX XXXX Visa and my XXXX card were all missing. I immediately called all 3 credit card companies to report the loss and was assured that the card was blocked. I was also told that my Alaska Visa had 2 charges on it, one for {$930.00} and one for {$760.00}. These charges were made at XXXX. I was assured that because I reported immediately, I would not be responsible for those charges. Two months later, those 2 charges were placed back on my credit card without a call nor an email. I immediately called Alaska Airlines Visa to ask what happened and they said that I " benefited from the charges '' and blithely asked if I " wanted to reopen the case. '' I was dismayed and angry and started my own investigation. XXXX was very helpful to conduct research to find that the {$760.00} charge was for XXXX XXXX made at XXXXXXXX XXXX and the {$930.00} for a handbag and XXXX shoes made at XXXX XXXX. I am an educator in the public-school system. I do not purchase bags for {$650.00}! I have never spent that kind of money on a handbag and do not even carry a handbag. You are welcome to call XXXX to inquiry about my spending history to confirm. The bigger insult is the {$760.00} for the XXXX shoes. I have severe XXXX in my feet and could not fit my feet into these shoes if I wanted to. I can get you a doctor 's note to that effect. I am livid that I am accused of benefitting. This credit card company is taking advantage of me. I made the call within one hour of the purchases to report as I was required. I have witnesses that I was at the middle school during the time of the purchases. I am deeply insulted that I would be thus accused when I was the one violated. Both XXXX and XXXXXXXX XXXX honored the fraud expenditures by holding me harmless of the charges. We have been with Bank of America for over 30 years. I would expect to be treated with more dignity and respect. Please let me know if you require confirmation and witnesses of the above report. Alaska Airline Visa needs to be exposed for taking advantage of a senior citizen.

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 2023-09-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I have file FTC report. Please remove these unauthorized inquiries and inaccuracies from my credit report. 

Equifax Inquiries : 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 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 2022-09-17
Company: Brown and Joseph, Ltd
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Brown and Joseph collection law firm was contacted by my attorney in regards to collecting funds that are a violation of the fair credit reporting act. The firm has recieved the letter from my attorney with case law yet the company is sending second notices to me to intimidate me and cause me more problems and threats to harm me by lawsuit or damaging my credit. The precedents in this matter have been clearly provided along with proof that the documents were sent to them yet the collection firm is using strong arm tactics to attempt to harass me and cause me undue hardship. 
I am hereby requesting help to get this resolved as the company should stop immediately per the case law established and that they are well aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019 I applied for a XXXX Business Store Card for my company XXXX XXXX XXXX XXXX. The application came back as a decline. On XX/XX/2019 I called into XXXX Underwriting and spoke with a representative about my application. I requested a reconsideration of that application. The representative from the credit department said they could not rereview the application until I received the decline letter in the mail explaining the reasons for the decline of the application. I waited patiently until XX/XX/2019 to receive the letter in the mail. On XX/XX/2019 I called into the business credit department to ask for a reconsideration of the my application as the letter only stated the decline reasons were " credit history of personal guarantor ''. I spoke with XXXX and he put me on hold. XXXX came back after a couple of minutes and said he tried really really hard because I have a good credit score and credit history to approve my application but unfortunately he was not able to. When I asked why, he said for the reasons listed on the decline letter, which is confusing as it does not provide detail. Being that he could not explain the decline reason and told me my credit score was good and my credit history was good, I asked to speak to a supervisor. The supervisor XXXX XXXX indicated that nothing could be done because I had to call in within 24 hours of applying for the business card for them to manually review. I explained to XXXX that I called in within 1 hour of applying for the business card and one of her employee 's instructed me that I had to wait until I got the letter to request a reconsideration. XXXX then said " even if you called in within 24 hours it doesn't mean you would get approved ''. I asked her what my options were at this point. She said I could dispute the decline or apply again. I asked her how I would dispute the decline. She said I would have to get an attorney to dispute the decline. When I asked her who the attorney would contact to do the dispute, she indicated that the attorney would know all of that. Essentially indicating that I would have to get an attorney to sue Synchrony to dispute the application, which does not seem right. She just kept telling me to get an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NY
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:
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX, XXXX BANK 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: SANTANDER HOLDINGS USA, 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: Was not notified of investigation status or results

Complaint:
I was in a car accident XX/XX/. My car was totalled and Santander bank continues to report my loan being defaulted. How could I pay on something that didn't exist after XX/XX/?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX  and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX my lowest balance was XXXX and after on XXXX was XXXX on XXXX my lowest balance was XXXX and XXXX lowest was XXXX, XXXX was XXXX, XXXX I received a notice that a payment for XXXX was returned to XXXX for my credit card payment. Making me miss my payment due date and causing a fee from both my credit union and XXXX directly. This makes my account with XXXX become flagged as I haven't had it open a year yet. Suncoast credit union claims my account was at XXXX which would only be possible after they attached a fee. Which didn't occur until XXXX this bank is in my opinion fraudulently breaking the financial regulations set up to protect consumers. When I called and told them if they were taking deposits after withdrawals then that is breaking the law the representative XXXX told me to call my attorney if I felt that way. Over {$29.00} who is going to do that? I'd expect this from XXXX XXXX or XXXX XXXX XXXX but a credit union. Times must be getting really rough if the credit union is scamming checking accounts that are always in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, I made a purchase to -- what I thought was -- the XXXX Official website. I made the purchase of a {$320.00} XXXX XXXX for a XXXX present. This ended up being a fictitious website from XXXX that was taken down soon after I paid for the product. I tried to cancel the purchase, but I was told by Capital One that it would be fine and if it did not show up, then I would be covered by their Customer Protection Plan. I tried to cancel my order with the people from the website through email, but they assured me they were a legitimate company. I waited and nothing was delivered on the expected date, so I filed for a refund. I received that refund on XX/XX/XXXX. Nothing was delivered until XX/XX/XXXX, which was after XXXX, and it was not what I ordered. I received a XXXX XXXX instead of a XXXX XXXX, so I figured I would have been taken care of by Capital One. 

On XX/XX/XXXX, Capital One took back the previous refund from XX/XX/XXXX and requested more information. I sent them emails between the seller and, a tracking number from the transaction, and pictures of what I received with the same tracking number. 

On XX/XX/XXXX, Capital One gave me the refund, however, on XX/XX/XXXX they took back my refund twice so now the missing cost was {$650.00}. The Capital One person I talked to on the phone said they gave me the credit twice which was incorrect. Upon review, he refunded the one charge of {$320.00} and told me I needed a third-party letter for this dispute. I did get a third-party letter, but since this was a scam website, the third-party letter was not structured how they wanted it to be. They have not listened to the evidence I have provided them with that this purchase was a scam. 

I have not heard anything back from Capital One under these circumstances, and I need help to get my rightful refund and to keep these businesses honest. If you have any questions or need any proof of these transactions, please contact me. I am ready to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: ENCORE CAPITAL GROUP INC.
State: MA
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
-Fedloan is very difficult to get ahold of. It took weeks for a call back. Very long wait times over the phone. I am continuously given false or inconsistent information. 

On XX/XX/22, I spoke with a representative from Fedloan regarding the limited PSLF waiver. Given that I had loans with different payment counts, due to previous FFEL loans that were later consolidated, it was recommended by the representative to consolidate all of my loans in order to get the highest payment count applied to all loans. I submitted a request to consolidate my loans. 

On XX/XX/22, I received a letter from Fedloan about the requested consolidation. At the end of the letter, it stated that I would need to make another 120 qualifying payments on my new consolidation loan. 

On XX/XX/22, I received a letter from Fedloan that they had completed a review of my eligible and qualifying payment counts in your pursuit of ( PSLF ). They confirmed that my payment count was accurate and the matter closed. This is false information. According to my account, I have ZERO eligible payments for PSLF.

Before the consolidation, I had 96 eligible payments and 15 ineligible payments. I continue to have concerns regarding the ineligible payments and had previously requested a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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:
My car loan was paid off in full. Instead of it reflecting that XXXX only put XXXX balance instead of showing my car was paid off this lowered my credit and cause due harm of negative marketing as well as lowered scores which cause me not to get approval for other car loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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:
XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
According to 15 U.S. Code 1681b ( a ) ( 2 ), my consumer report must only contain information in accordance with my written permission for it to contain. I have not given permission for any of this information to be on my report. 

I spoke with XXXX, an agent of the Experian consumer reporting agency, and informed her there was information on my consumer report that had been unlawfully validated and deemed true. As the consumer, I am the only person who can validate a debt and informed her that this alleged debt was not mine and that it needed to be removed. 

She then stated they'd completed an investigation and found that the information was accurate. However, according to 15 U.S. Code 1681a ( e ), that means they'd conducted interviews with my family, friends, and anyone who would be able to speak on my character as the consumer. They did not do this. Therefore did not complete a lawful investigation and these items must be removed. 

XXXX then preceded to hang up on me after informing her that this information was incorrect and should be removed.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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