BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: CARS Acquisition, LLC
State: AL
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: Was not notified of investigation status or results

Complaint:
The people I bought my car to reported it to a finance place and now they both are wanting me to pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Applied for, and was approved for an American Express XXXX XXXX credit card on XX/XX/XXXX under a promotional offer awarding XXXX XXXX points for {$5000.00} spend in 3months, and an  additional XXXX XXXX points for an additional {$10000.00} spend in 6 months. The offer was valid through XX/XX/XXXX. I met the required spend numbers in XX/XX/XXXX ( for the first {$5000.00} ), and XX/XX/XXXX ( for the additional {$10000.00} ), yet was not awarded the sign up bonus. 

I contacted American Express numerous times about this and was constantly given the run around, even after uploading a screen shot of the offer that I signed up for. I called back in today, I believe my sixth call or contact regarding this matter, and was told that I was not eligible for the bonus " due to the channel in which I signed up. '' I signed up using an official publicly available offer directly from americanexpress.com using the " Apply '' button directly below where the terms of the sign up bonus offer are listed on my screen shot. 

I have attached an image of the screenshot of the offer I took at the time of my application and would be happy to provide access to my computer for a forensic analysis to prove that the screenshot is my own, and was taking contemporaneous with my XXXX XXXX Credit Card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a refinance ( existing BoA mortgage ) with Bank of America in XX/XX/XXXX. 
XXXX agreed to was {$850.00} monthly in XXXX XXXX 
One of the Bank of America associates assisted me in setting up automatic payments. 
Part of the loan proceeds were used for wind mitigation work on the house. 
XXXX XXXX accepted the inspection report and issued a partial refund in XX/XX/XXXX. 
I contacted Bank of America and they moved {$890.00} from my checking to Escrow.

The refund was for the balance of the year, a 6-month period ending XX/XX/XXXX. 
I sent BoA a revised lower insurance premium Declarations Page from XXXX XXXX. 
I received an email from BoA stating my mortgage payment is now {$5.00} HIGHER. 
If I did not tell Bank of America, per their associate, my payment would not have changed. 

I need some assistance. I do not understand, and Bank of America has not offered a clear explanation, how the insurance can go down and an advance payment made to escrow can have a NEGATIVE effect on the monthly payments.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I created a login for Transunion.com, during the signup it asked to enter credit card information, I assumed that was for verification of my person. After the login creation, everything I try to login in it wont allow me. I later noticed a charge of {$27.00} on my credit card from Transunion that I did not authorize. I downloaded their iOS application And hat provides no information to the charge of any sort. There is no contact number of any sorts. I can not log into my account thru the online portal. I googled their number and Ive been on hold over an hour.

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 2017-08-11
Company: CONTRACT CALLERS INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in the mail from a company called CCI ( Contract Callers Inc. ) on XX/XX/XXXX stating that I owe {$130.00} from a default consumer. I did not owe anyone any money and I have great credit ratings in the XXXX 's. I called this company and they said that I owe a company called XXXX XXXX the money for not paying them. I advised that I do not owe them and it was a scam and they were trying to commit fraud. CCI did not check the source of the company they were trying to collect for and I believe may be involved in the scam or fraud. They told me I had to write them in order to dispute the matter. I wrote them XX/XX/XXXX disputing such amount owed for I never received goods from this company. The sent me a letter back on XX/XX/XXXX stating I needed to fill out identity theft paperwork asking for all my personal information. I in return sent a letter back to them on XX/XX/XXXX stating it was not identity theft but a scam and fraud and to check into the company that they are collecting for. I then received a call from CCI threating me to send this to my credit report which was already done and in so hurt my credit rating lowering it to XXXX. I did some digging into XXXX XXXX and within the last 6 months they have done this to multiple people. They do this to commit fraud, hurt your credit, and collection agencies go along with it. This is not fair to anyone of those people including myself and they should be prosecuted for fraud.

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 2017-08-11
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company calls for a person by the name of XXXX XXXX, constantly day in and day out! 

They use a robocall phone calling system to make their phone calls with a number list it as, XXXX XXXX XXXX! 

They say to call this toll number to speak with them. 

I will not spend my money to call this number because I am not the person that they 're trying to reach. 

This company has a recipe on a continuous basis and will cease and desist doing so if they do not I 'll take legal action against them! 

This company has violated my rights to, peace and enjoyment!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: CT
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:
After multiple attempts and calling XXXX, I was told by a representative that the company is NOT going to obey the Laws under the FCRA. My information was exposed in the 2017 data breach. The company has refused to block fraudulent information on my credit report which has hindered my ability to obtain credit. They are in direct violation of 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Shellpoint Partners, LLC
State: VA
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 Loan was sold to Shellpoint Mortgage around XXXX of XXXX. Since that time I have been unable to access my online account after multiple attempts over the past several months dealing with there Costumer Service. The fact that I am an Essential Employee working 12+hrs per day ( Out of State ) in an industry that is vital to Our Health and Environment, it is often hard for me to spend the necessary time Shellpoint requires with hold times, misinformation and unknowledgeable customer service at times. Their customer service has been little to no help with any major or minor issues, and no access to escalate a call or issue to be expedited. Your only options are to send emails to departments and wait for a response that seems to never come. Ive been relying on the pay by phone service to make all of my payments with Shellpoint mortgage. On XX/XX/XXXX and XX/XX/XXXX of XXXX when I called to make a payment the automated system showed a XXXX balance. I discounted this as I must have already paid my balance earlier in the month with the payment that was made in the middle of XXXX. I thought nothing of it until I called in XXXX to make my next payment and it showed two payments due. I immediately paid both and called customer service the following day. On XX/XX/XXXX a the representative I spoke with told me that everything was fine and nothing was going to be reported to my credit. On XX/XX/XXXX I received a notification that Shellpoint had reported the missed payment to the credit bureaus. On XX/XX/XXXX I contacted Shellpoint who said I can only email the loan servicing department at Shellpoint with my dispute, and wait for a response from them on the matter. I have yet to receive anything other than a confirmation they received my email that says Do Not Reply. I have contacted costumer service twice in the last two weeks to try and resolve my Online Account issues again. They submitted my issues to there IT department, and stated that there is an issue with my account that IT needs to debug. I still have not been contacted for that issue. My bank, as of XX/XX/XXXX, stated that Shellpoint has not even updated my payment status with the credit bureaus since XX/XX/XXXX. I called and spoke with a representative who said she was sending a request to have that looked into also. This company has falsified information on numerous occasions, and will not correct/update my credit report. This has been my worst experience with a mortgage company in the past 14 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I traded my vehicle in at a car dealership and was approved for a new loan. I received the paperwork and was informed by the dealer that my loan would be paid off. I called my old finance company and informed them that the vehicle had been traded and not in my possession anymore. They continued to call me for payment. There was a delay on the dealerships part in paying off the loan. I receive an email finally that the finale company in question received the payoff after the delay. However they have reported me LATE as well as saying I owe them {$230.00}. ( Im assuming late fees ). I have never missed a payment with them and had an excellent payment history so I am upset that they would report me late and charge me fees for something that was no fault of my own. There was a delay with the dealership for some reason and I informed the rep from my finance company that the car was not in my possession anymore. I would like this late payment removed from my credit report and to be relieved paying these late " fees ''. I also fault the dealership for delaying the payoff. Date of purchase/trade- XX/XX/2017. I would like the late payment removed from my credit. I would also like a letter in writing from the dealership explaining the delay in the payoff and explaining that the vehicle was not in my possession anymore. I also want to be relieved of paying late fees on a vehicle that I traded. I want this complaint to go to the dealership as well as my previous finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
School went under bankrupt and had all the student leave without completing the program. The school allow us to discharge my loan due to closing of school doors. This took place at the end of XXXX and started XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the company via mail requesting validation of debt, respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Under federal law, you have thirty ( 30 ) days to complete. It has been more than 30 days and I have not received anything from this company, therefore violating FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
XX/XX/XXXX Received a loan with no interest for 12 months for XXXX.. With Capital One. Between XX/XX/XXXX-XX/XX/XXXX I received charges of {$1800.00} that were not mine. To date I have paid {$2000.00} and have a current balance of {$1300.00}. And I am paying interest. I requested removable of these false charges. I told them someone or someones charged to another credit card also & a retail credit card. They just ignored me. XX/XX/XXXX they closed & locked my account ending in # XXXX & transferred the balance to a new card ending in # XXXX. I received a letter that my account had been turned over to their dispute team. I refuse to believe that a Credit Card Company can add anything to your account and you have to pay it! With interest!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-07-11
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The payment started before they were suppose to they added charges and didnt add the correct amount I paid after the first repossession payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I deposited multiple checks to Bank of America ATM located at Bank of America Financial Center XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ( XXXX ) XXXX I deposited multiple checks issued by the Oregon Unemployment Department. 
The total sum of deposited checks was {$6500.00}. The ATM malfunctioned and went black before completing my transaction and ate my ATM card. 

I called Bank of America that day and several times the next day to clarify the incident. I was sent to the fraud department that mailed me a new card. When I finally reached someone who filed a claim for the missing checks I was told I would receive a replacement check by mail within 10-20 days. 

As of XX/XX/2021 I have not received any replacement checks by mail or reimbursement to my account. My account is now overdrawn due to Bank of Americas fault. 

I am writing to collect the {$6500.00} in checks that have disappeared as Bank of America has given me several conflicting stories on what happened to my funds. 

I called today, XX/XX/2021 and the teller said I should have received a credit while my claim was processing. I am waiting to hear back from BOA claim department.

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 2021-06-28
Company: EQUIFAX, INC.
State: FL
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:
Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to XXXX Equifax & XXXX. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! XXXX XXXX also add this items to my XXXX  file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b. 
2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra

Company response to consumer: Closed with explanation