BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information is missing that should be on the report

Complaint:
I was affected by Covid 19 and as a result had a total of 4 payments late in XXXX XXXX and 1 late payment in XXXX of XXXX with Bank of America XXXX I was told at the time of asking for deferring the payments if it would still be reported and advised no. When it appeared on my credit report I called and asked that these be removed and was advised no. I have madw great strides in getting my balance down to below 20 % and would love to just get this behind me

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Instatution, Bank Of America..Branch application taken out was XXXX, NY XXXX That was my only involvement with that branch.My loan was for a simple Lin of credit, it was taken out on XXXX XXXX2022 and dragged out for almost 6 Months never seen any business practices like this in all my 70 years. Ive had numerous loans and never had terrible treatment like this bank has given my wife and I, The individual handling my account was XXXX XXXX and her XXXX XXXXXXXX was XXXX, he was just as bad or worse with no answers that made sense the usual brush off. Never returns calls waiting and complying doing and giving what ever they needed which was getting completely out of hand. On XX/XX/XXXX I had spoken to XXXX numerous times in the months prior, XXXX, XXXX, XXXX, XXXX, XXXX, we also have numerous text messages, from XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all our conversations were all taped by XXXX. In all our life we never heard of line of credit taking 6 months to get and I have no depths at all. Including credit cards etc. with assets over a XXXX  dollars, how does this bank function with employees that give customers the runaround. I have documented proof they received all which was requested. They also had to run my credit for the second time because they dragged it on for so long. Also I want to mention I have a existing Heloc now for {$200000.00} and wanted to payoff mine at the time I received theres, so simple to figure out. Let me know how to resolve 6 months of grief. My wife and I are in tremendous disbelieve, excuse after excuse just hoping you will give it up the process. XXXX and her XXXX XXXX need better training. Remember Ive dealt with banks for manys and have a perfect score that can be documented if needed. I would love to know how that department makes money for its shareholders. Thank you for the time explain my grief in this situation 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 2021-06-08
Company: Skrill USA, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Skrill com froze my account for NO REASON. I was already verified, with I'd and everything they locked my money over XXXX dollars so I can't use it and then they started charging me fees that they have never charged in the 3 years I've been with them. They also stopped answering me and now my accounts help messages to customer support get closed immediately, nobody 's even reading my cries for help and the money is rightfully mine! I told them I would pursue legal action and they laughed at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: PA
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX XXXX AMOUNT : {$610.00} ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX AMOUNT : {$6600.00} ACCOUNT NUMBERXXXX XXXX. XXXXXXXX XXXX AMOUNT : {$1200.00} ACCOUNT NUMBERXXXX XXXX. XXXX XXXX XXXX XXXX $ ACCOUNT NUMBER : XXXX PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY! 
ITS BEEN 60 DAYS OF ME DISPUTING THESE WITH NO VERIFIABLE INFORMATION However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent 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 a 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 item of information, other than records of convictions of crimes, 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 arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ACCOUNT NUMBER : XXXX. 
THE BUREAUS ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : ACCOUNT NUMBER : XXXX. 
THE BUREAUS ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am a victim of identity theft and I would like TransUnion to look into my report that I am submitting. I would greatly appreciate since I am not able to mail off necessary documentation. I will upload documents with my complaint. 
Thank you for your understanding.

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 2023-09-08
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have finished paying my car loan but Capital One still continues to charge my deceased husband and my account. They already released the title, already transfer it to my name but the charges still going on as I still have a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was at XXXX XXXX XXXX  My acct became past due for 3 months I made a payment back in XXXX of XXXX which brought my acct down to XXXX with accounts receivable my acct went to debt collection last year around XX/XX/XXXX and it went to acct receivable management so it got transferred this year in XX/XX/XXXX almost a year later stating I owe XXXX they added fees to the original balance of XXXX my acct was already with a debt collector so how can they charge me almost XXXX I don't owe that and if they transfer from one debt collector to another how can they add that to my original creditor bill your original debt stays the same they can't go back a year later and add 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 2020-12-03
Company: SYNCHRONY FINANCIAL
State: OR
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:
Based on the recommendation of our vet and due to an expensive procedure one of our dogs is having she recommended applying for Credit Care with Synchrony Bank. This would allow us to pay off the cost over 6 to 12 months interest free. I completed the application after removing a credit freeze on one of our credit monitoring reports. I called them to let them know it had been done and the agent wanted to talk with my husband under whose name the card would be issued. She asked for our phone numbers and even though this was provided on the application she said it didn't correspond with what she had and told us we would need to submit a video of my husband 's head and also take a picture of his license. This felt like an invasion of our privacy but we attempted to do it anyway. We failed after the allowed four attempts to accurately video my husband 's head so I called them back to tell them we were having trouble with this step. They indicated they could allow more attempts, but I remarked it would do no good as the first 4 attempts didn't work. I said please visually look at the video and DL and they could see it was my husband applying. But they declined our request to open credit with them. Mind you, we had previously opened another account with this company that took seconds to open. I closed that other account today, due to the treatment we received from them. This is wrong on so many levels. We have great credit and never had a problem before. They said it was to prevent identity theft. I'm concerned that my husbands driver 's license and video is in their files and available to any one who would hack their company. Where's the protection from identity theft there? We would like the videos and DL picture of my husband to be removed from their files. We do not want a credit card from this company anymore as we were treated so badly. I even talked with a XXXX and got nowhere. I have to admit by the end I was pretty angry.

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 2022-08-26
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I had a XXXX credit card with XXXX XXXX In some kind of way my information was sold to Marcus Goldman Sachs. They repeatedly called me asking for payment when I didn't sign a contract with them or consent for them to have my private information. They also are reporting late payments when according to 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This creditor consistently violates my consumer rights and, under the FDCPA, is considered a debt collector. They are furnishing a deceptive form to deceive me into thinking I owe a debt when in fact, I do not. I didn't borrow anything from them pursuant to 12 USC 83 as a bank can not loan its own stock and 18 USC 8 that all debt is the obligation of the United States. A debt validation letter is also attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Goldman Sachs Apple Card has denied my dispute 3 times so far for a fraudulent purchase made with my apple credit card to the apple store on XXXX XXXX, 2022 in the amount of {$880.00} and the XXXX XXXX side has repeatedly confirmed that they do not see the purchase in their history, so it only shows up on Goldman Sachss credit card side. 

Goldman Sachs is not providing evidence that they see the charge is indeed valid for any goods or services received through the XXXX XXXX as indicated and rejects the dispute without providing details of the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Conn's, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Conn 's has reported my account past due iao {$19.00} and showing past due for 30 days based on an fee. The pay account that I normally use for payment was changed due to fraud and I forgot to update the new account information. The payment came back returned and once I realized what had happened I immediately went into the account to make the payment. My contractual payment each month is {$31.00}. That payment was made on XX/XX/20 in full. Conn 's reported the account past due for 30 days on XX/XX/2020 and cause my credit score to drop 30 points and added a negative mark to my payment history. I called in XXXX, and have tried to resolve the issue with the company several times this by chat and phone and have yet to get this issue resolved. I was told that the supervisor would call me back before the XX/XX/XXXX and no one yet has called me still to this day. I reached out again on XX/XX/20. The rep stated that they can include the fee into the contractual payment amount due for that month. I advised that this was illegal and that technically they were changing the loan agreement without my consent. Conn 's changed my payment amount due for the current month to include the fees as the actual monthly payment due. I would like my payment amount adjusted to show the contractual payment amount due each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: MO
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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance details Balance {$3400.00} Balance updated XX/XX/XXXX Original balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. 
I have multiple attempts to contact XXXX and FedLoan Servicing regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. 
The only response I have received is that FedLoan servicing has to process the request as my account was transferred from them. When I contact XXXX, they say to contact XXXX. 
I suspect that some loan information may not have transferred to XXXX. 
I am again requesting a full refund of all payments made to both XXXX and FedLoan Servicing during the COVID-19 pandemic forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
National Credit Adjusters , LLC is collecting on an original debt from XXXX XXXX, an online loan lender. Representatives from Credit Adjusters are calling my cell phone nonstop using repeat auto dialing, they are calling my place of employment repeatedly, and talking to others about my debt using strong language and in a tone that would suggest that I'm being sought after because I am in trouble with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
IE : Midland Credit As federal law, the FDCPA limits the methods a debt collector may use when attempting to collect a debt. If a debt collector materially violates a provision of the FDCPA, the aggrieved consumer could be entitled tostatutory damages of up to {$1000.00}, plus any actual damages. I AM DEMANDING A {$1000.00} PER CALL. And this is only from the beginning of XX/XX/2022. This collector has continually called and I have told them over and over to stop. Send paperwork. I have got hung up on and told thats not possible. I block the numbers and they call me from a new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, My name is XXXX XXXX, I recently pulled my credit report and found fraudulent account on my report. I tried reaching out to the COMPANY XXXX XXXX, received no answer or I am on hold for a long period of time. After finally getting through to someone, the conversation was not very pleasant, the representative on the phone was very rude. After stating my concerns, I reported that I want to file for an identity theft and as a result they hung up on. I have no knowledge of this account at all. Under the law I know it's my right report to equifax to remove any fraudulent account that doesn't belong to me.

Company response to consumer: Closed with explanation