BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Acceptance Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX account information : XXXX form : XXXX date : XX/XX/2015 I XXXX XXXX totally disagree with this charge, espcially with Credit Acceptance reporting {$3300.00}. I never receive a form from them, I been trying to fix my credit, I believe this is for Car loan that I never had, I had file a dispute a year ago to get this of my credit report. 

This Credit Acceptance are charging the wrong person, or someone had use my Social Security number for this, by all means I entitle CFPB to investigate in order to remove this account from my credit report

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 2021-04-23
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:
THE DISPUTED ITEMS ARE ALREADY ATTACHED, PLEASE INVESTIGATE THIS MATTER AND DELETE OFF MY CREDIT FILE.

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 2021-09-20
Company: EQUIFAX, INC.
State: TX
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:
This letter is a formal complaint that you are reporting the reporting agency have violated 15 US Code 1681b As a consumer, I never gave the reporting agency written consent to report anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Both accounts are fraudulent, I want these removed immediately.

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 2020-05-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Ballybunion Enterprises, Inc
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I paid my accounts in 2013 and all of them are still on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Early in the loan payment schedule with Wells Fargo Dealer Services for my 2012 XXXX, I applied for payments in the amount of about {$260.00} to be automatically debited from my account. I triple checked that information for the company to respond to my request was accurate and checked that it provided and the right information so that they would not have any problems automatically taking the funds out of my account I repeatedly did this. In the many months since, not one payment has been automatically debited. The company unfortunately can not properly service the loan account. I would like my funds to be remitted and for the loan itself to be canceled.

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 2021-09-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been paying my Best Buy store cared every month, but I become more in debt to them every month. I owe them $ XXXX right now even after paying my month bill. The debt is pilling on top even though I don't use the card at all that month. Apparently, I have been charged for a debt protection that ranges from $ XXXX every month. I absolutely NEVER agreed to pay this monthly charge. I've actually, had more than one card do this to me at a time. Whomever signed me up for this charge is a fraud! Best Buy/Citi Bank is known for doing this. I'm not working right now and this is overwhelming debt must stop pilling up on me. I've tried to work it out with Best-buy with absolutely no help at all. Please help me. This is a fraud. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was applying with Bank of America as a co-signer for my college daughter. I have a credit score of over 800 and have never been denied, but they denied us. I asked for the supervisor and got XXXX XXXX. In visiting with XXXX, it came to light that the application was not filled out correctly, as they did not ask for my liquid assets. I have reason to believe this might not be the only mistake in the application. I have net income over XXXX and liquid assets of over 1.5 million. 
The denial due to an inaccurate application, that they would not fix will damage my daughters credit score.

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 2018-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To Whom It May Concern : On XX/XX/XXXX between XXXX and XXXX XXXX ( XXXX XXXX EST ) my Bank of America debit card under the name, XXXX XXXX XXXX associated with the shared account ending in XXXX was stolen from my bag along with my XXXX  XXXX credit card and silver XXXX XXXX. 

My belongings were taken from my bag in the mens locker room of the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Upon discovering that both my access to cash and cell phone were gone, I returned home to report the cards and phone stolen on the respective banking and mobile carrier online portals. 

As evidenced by the below email, Bank of America acknowledged my choice to lock the card and to issue a new card associated with the account. Please note the language, Your old card will be deactivated immediately. Upon reading this and having a similar experience with my XXXX XXXX card, I had no reason to doubt this. However as we are all too familiar, this was not the case. The thief was able to withdraw nearly every penny from the account from shop locations in XXXX XXXX ( over 10 hours drive from XXXX ). 

My family and I had departed from the United States to XXXX on the XXXX of XX/XX/XXXX. I alerted Bank of America to our travel plans via the mobile application. The last transactions related either to myself or to XXXX XXXX ( primary account holder ) were fees associated with a withdrawal on the XXXX of XXXX in XXXX. The final account balance stood at {$4100.00} as of XX/XX/XXXX. The thief made all subsequent transactions in the metropolitan area of XXXX, XXXX. 

In regards to the frankly offensive and unfounded accusations that either an accomplice or I were using a PIN to make transactions ; there is a complete lack of understanding of XXXX consumer finance practices. Sign-less, PIN-less transactions under {$100.00} XXXX can be made at most retailers and larger trusted retailers ( i.e. XXXX, XXXX  ) are exceptions where the limit is up to {$200.00} XXXX. 

I received a new XXXX XXXX card and XXXX with no issue the following week. This is in stark contrast to the appalling level of ineptitude by Bank of America to protect the funds of a joint account for two customers since XXXX. We require a refund of our lost debit account funds ( {$4100.00} ). 

I faxed the above statement to Bank of America ( fax attached to this complaint ) on the XXXX of XXXX and have not received an acknowledgement or a response. The year is XXXX and I am faxing material to one of the largest banks in the country. Surely, I am living in a XXXX novel because this does not seem to be the most efficient manner to deal with the issue at hand. 

We look forward to your help in coming to a quick resolution for this matter. 

Best regards, XXXX and 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 monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing the complaint against Equifax, XXXX, and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Paxful Holdings, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I joined Paxful to transfer my remaining bitcoin from XXXX to cash out and one of their users who was using the name XXXX was using their platform agreed to give me real cash in exchange for the Bitcoin I had but he has not released my funds to the detriment of my finances. 

This is a totally serious issue as that was my remaining Bitcoin after the horrible ordeal I had encountered with other scammers. The Bitcoin I transferred to XXXX  was equivalent to XXXX AUD, this has taken a toll on me and I just want to get my money back. I am getting broke and I do not know which website is ok and why this all is happening everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: TN
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:
Since XX/XX/XXXX XXXX has been running " a credit application '' for various " XXXX XXXX accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove my fraud alerts

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 2019-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX  - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I contacted Bank of America to dispute a transfer made from my employment benefits accounts of {$1500.00} and XX/XX/XXXX I received two deposits each for {$1500.00} one as a temporary credit from Bank of America and another from my benefits. On the same day another transfer of {$3000.00} was transfer to an external account without my permission. My account has a balance of {$0.00} snd Bank of America say it will take up to 45 days to complete their investigation. I am broke without food and need access to my benefits.

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 2018-08-12
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
The account has been refinanced the closed accounts should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is showing 90-120 days late payments on credit report. I was told that I was in retroactive deferment. I was told that months that I had missed would have been taken care of but they are showing late on my credit report. The dates are XX/XX/2014 in three loans with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It has been over thirty days since I field a complaint with you regarding ( XXXX XXXX ) this company and attempt to take my home. I have paid my mortgage up and will be paying the escrow amount that is due yet I receive anywhere from 5 five phone calls a day from the mortgage. When i contact them I am still being given the run around. I need assistance with this company who is making every attempt to defraud me and take my property, PLEASE HELP. stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
URGENT- XXXX XXXX reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted XXXX, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting.

Payments due on the XXXX  of the month XX/XX/XXXX - Payment made- ( XXXX   showing late pay for XX/XX/XXXX )XX/XX/XXXX Vehicle was STOLEN XX/XX/XXXX- Vehicle was declared total loss by insurance and notified XXXX   about the payment and Gap insurance At this time XXXX sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XX/XX/XXXX- Contacted XXXX  to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed.

XX/XX/XXXX- Car Payment cleared from bank ( Transunion showing late pay for XX/XX/XXXX XX/XX/XXXX- Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, XXXX   reported to XXXX last payment wasXX/XX/XXXX- 30 days late pay for XX/XX/XXXXXXXX  reported to Transunion last payment wasXX/XX/XXXX- 30 day late pay for XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CITIBANK, N.A.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the XXXX season of 2017, I opened a Macy 's credit card with a cashier because I was told I would get 75 % off the purchase if I did so. The interest rate was not disclosed to me at that time. In XXXX I received my first statement that said my interest rate was 26.99 %. I called XXXX 's customer service to close this credit card that I had not received in the mail yet after learning of the high interest rate. They told me there would be a fee of {$40.00}, and I said to charge my XXXX XXXX checking account. Later I looked at my bank account and saw a charge from Citibank for this amount. No where on any of the documentation for this credit card has there been anything stating my credit card is through Citibank. Because of this I filed a fraud claim against Citibank as I thought someone had hacked into my account. XXXX XXXX got me my money back. Later I received statements with late fees on my ( what I thought ) was closed card. I called XXXX 's to figure out why my card was not closed, and they told me the card had been reopened because my payment had bounced. This is when I found out that XXXX 's uses Citibanks card services. At this time I tried to call Citibank and disputed that their pull from my checking account was unclear because it should have said XXXX XXXX. I have since paid them back the money I originally owed plus 25 % which is {$47.00} but they want me to pay these late fees and interest rates that have been charged to me since I closed the account which add up to {$270.00}. This is unethical and they refuse to admit any wrongdoing.

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 2018-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email on XX/XX/XXXX and been told my account would be closed on XX/XX/XXXX if I don't use my card before XX/XX/XXXX. So I did plan to use this card. However I received another email on XX/XX/XXXX and been told this account had been closed out. Therefore this two emails contradict each other. I tired calling their customer service while the representative couldn't find the reason why this account was closed out.

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 2019-05-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed XXXX XXXX and XXXX XXXX multiple times. I have sent proof multiple times that these accounts are incorrect. XXXX corrected the problem but Equifax and XXXX continue to ignore the evidence I have submitted. My score has plummeted and each site even suggested obtaining a credit card to help the score and it HURT my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX has removed the XXXX XXXX account now can you also remove the inaccurate information Transunion ?

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