BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Bank of America ( Credit Card ) was notified of my hardship shortly after being laid off from work on XX/XX/XXXX. Month after month Bank of America continued to insist that only my full monthly payment ( {$450.00} ) was to be accepted. I emphasized my hardship being unemployed however I mentioned to them that I could make smaller payments to maintain some degree of repayment. Their reps would only ask if I had someone I could borrow money for payments. At one point I even mentioned I could make half the payment at {$200.00}, but they didn't take it over the phone. I stated to them that there are FFIEC Uniform Retail Credit Classification Policies and Guidelines which address financial hardships and provide the flexibility to restructure the debt to maintain repayment in light of a hardship. Please see below as it is a section of that very same policy that financial institutions must follow. There was no need to charge off my account and destroy my credit rating as I have maintained a FICO score of over 750 for 20+ years, and more so given my excellent repayment history with BOA since being a customer in XXXX. I showed a willingness to discuss a workout option to continue payments. I spoke to an agent three days prior to being charged off and they never stated a payment had to be received by a certain time to avoid charge off. They can listen to that recorded call as well. I called at the end of the month one evening to make a payment but they said it was too late as payment should have been made earlier in the day. 

FFIEC Uniform Retail Credit Classification Policies and Guidelines Re-Aging, Extensions, Deferrals, Renewals, and Rewrites Re-aging of open-end accounts, and extensions, deferrals, renewals, and rewrites of closed-end loans can be used to help borrowers overcome temporary financial difficulties, such as loss of job, medical emergency, or change in family circumstances like loss of a family member. A permissive policy on reagings, extensions, deferrals, renewals, or rewrites can cloud the true performance and delinquency status of the portfolio. However, prudent use is acceptable when it is based on a renewed willingness and ability to repay the loan, and when it is structured and controlled in accordance with sound internal policies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} FSB XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: V and H Portfolio
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My account is locked and have not received a reason why. I reloaded my card as I usually do and when I kept trying to get into my account via the Serve app it kept saying basically that my Password and Username is incorrect. So I kept trying to change it to no avail because I knew that my Password and or Username was correct and couldnt understand why this was happening. So I called Serve Card Customer Service and had spoken with the Representative and had gotten of the call with XXXX at XXXX XXXX XXXX said Said that she will send it to the back office and make it urgent. They will start working on it within the next few minutes. XXXX said that they may send an confirmation via email and if they dont just call back. She said that they locked my account. I asked her why and she said she didnt know. It was no reason for my account to be locked because I reloaded it tonights s I had always done and there was no problem. So I had called back and had Spoken with XXXX @ XXXX XXXX. when the call was ended. He said that the account should be unlocked within 24 hours. He said they didnt list a reason why the account was locked. So here I am the next day without my funds being made available to me for absolutely no reason at all. Some months back I had decided to go with American Express Serve due to the good reviews and was having no problems. Now I see how they take your money and hold onto your money for no reason at all. This is an absolutely horrendous experience and no one from American Express Serve is giving me any answers or telling me why this has occurred! All I know is that I went to the store handed over my money to the Cashier and reloaded my card and now Im not able to use it because American Express Serve has mad my funds inaccessible. This is absolutely ludicrous and I am asking for my money to be made available to me and I feel that what Im asking for is just and fair. I was very happy using the American Express Serve Card until this incident happened last night onXX/XX/2020. Im not asking for much ... I only want to be able to pay bills and to be able to cover my basic expenses. I am just desperately asking to be helped in this situation and would be so grateful and thankful to have this issue resolved. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: OpenRoad Lending
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2018 I received a solicitation from OPENROAD LENDING, which stated that I was " Prequalified '' for a refinance on my auto loan. 

Since the payment they were quoting was {$80.00} LESS than the payment I had already been making for 10 months without a miss and the rate was lower, I applied. 

I received an email directing me to their website, which informed me my application had been denied While I am certain that they will quibble over the wording and intent, I believe this is deceptive, particularly since a denial negatively affects my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Sunday, XX/XX/XXXX I performed my weekly check of my credit report through XXXX ( see latest report attached ). I was unpleasantly surprised to learn that my credit score had dropped 57 points due to a derogatory remark from National Credit Systems for a {$170.00} debt that does not belong to me. I called NCS ( XXXX ) the next day, XX/XX/XXXX @ XXXX XXXX. The operator was unable to find an account with my social, but put me in contact with an agent that was also unable to retrieve any details that matched what I was seeing on the credit report. I figured maybe NCS realized their mistake and the error was corrected. I decided I'd check the credit report again in a week to see if the remark was dropped. Unfortunately, a week later the misplaced debt was still on my credit. I called NCS again on XX/XX/XXXX @ XXXX XXXX  and had success with the operator XXXX determining the account number of the debt and also the agent Mrs. XXXX responsible for helping me resolve this issue. I called Mrs. XXXX shortly after @ XXXX XXXX as she was unable to immediately answer the phone after being transferred several times by the operator. Mrs. XXXX response was curt as our call lasted all of 5 mins with several minutes spent with her looking at the account details. She informed me that she would mail me a copy of the lease from XXXX XXXX XXXX XXXX in question and be in contact with the client to confirm I did not live there. The real kicker is this " due diligence '' step would take up to 30 days. That's not to say that this will be off my credit report by that time. My main problem with NCS, which is why I decided to file this complaint, is the debt collector should have done their " due diligence '' before they put someone else 's debt on my credit report not after the damage is already done where now this is unfairly impacting my lending opportunities. Furthermore, the age of this account debt is 6 years 4 months. I have received no notices or contacts from the debt collector or the leasing company before I contacted them after this appeared on my credit report. If this type of practice isn't illegal, it should be since this affects people 's livelihoods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: AMCOL Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is the number that called me. i return the call and a lady name XXXX answered saying i owned a debt for a hospital in my town. She explained it was only {$100.00} and wanted 4 payments of XXXX. I am aware of such bill but it is more than XXXX. She continued to ask for the payment and i told her i don't know when i will have the money. The name of the company was Amcol She gave an account number and told her have a good evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was really shocked when going over my credit report when I found a late payment on XXXX of 2018. 
I don't know how this happened. I always make my payments to you when I get the statements. It must be that the statement never got to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2019-12-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am authorized on my spouse 's credit cards. The cards used to show up on my Equifax report. In the span of one month, all cards were removed from my credit report. This is not an issue with any other credit reporting agency. Only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case

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 2020-02-12
Company: Duvera Billing Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXOriginal debt was .. {$500.00} a, after interest and fees accumulated to XXXX XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( XXXX XXXX XXXX located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, 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 did not give XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX  written consent to access my credit file This is a Violation of the FCRA 15 U.S.C 1681

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 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX. In accordance with the Fair Credit report Act XXXX account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My stepmom left me home via trust that clearly states I am the owner. The Trustee transferred the property into my name and sent the mortgage company, Chase, a copy of the deed conveying the property to me, the death certificate, and a copy of the trust clearly indicating that I am the owner of the property. Still Chase won't talk to me. They keep sending the statements to the Trustee. I can't basic information. The Trustee is frustrated with the process and is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Out of the blue I decided to check my credit score and my old XXXX email and came to the realization that loans credit cards time share and emails that were sent out because of with the attempt or success of using my identity to open all sorts of accounts and trying to file taxes because my XXXX acct has been compromised as well. It was done without my knowledge or approvaland it's been going on for mos. I will allow you access to both of my accounts that prove fraud. XXXX XXXX is the pswrd for both. XXXX i did see the name XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
company used my identity with my consent reporting negative inaccurate information hindering me from obtaining credit I believe the company should do what's fair and equitable and remove these accounts forever.

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 2023-10-09
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
-In XXXX an Outpatient procedure was performed. This procedure resulted in having to be resuscitated, 5 days XXXX  and XXXX XXXX XXXX 
-in XXXX received a Civil Order at my mother 's home ( XXXX miles from procedure ) for $ XXXXThis Civil judgement was paid to my mother 's county for this XXXX XXXX. 
XXXX days after this payment was made & I returned to work an Income execution was sent to my employer, from the original county of procedure for {$1600.00}. ( for XXXX XXXX ) -In 15` my XXXX XXXX XXXXXXXX Acct XXXX was seized for {$3500.00}. ( for XXXX XXXX ) At this time I contacted my XXXX dept. and was informed this Attorney office was in violation of procedure due to the Retirement Acct. monies were exempt from XXXX to satisfy judgement. No response was given from firm. XXXX sent this firm the monies they requested and released the remaining funds to me. 
XXXX XXXX of XXXX my mother passed away. XXXX my mother received an Informational Subpoena regarding information regarding me ( The Debtor ) for {$2200.00} for XXXX XXXX. 
-It took me almost 2 weeks to get a hold of this Attorney, who stated that this amount is still owed due to taxes, fees and interest from XXXX, that remain unpaid for XXXX XXXX. 
- Attorney asked why my mother had not returned the forms. I informed the attorney that my mother was deceased. He stated, " sorry for your loss, though I do have XXXX XXXX. to come after you for this debt, XXXX more years to go, chuckles '' hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to send a complaint about these three companies, EQUIFAX, XXXX and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!

Company response to consumer: Closed with explanation