BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer for 0 % interest and I used the check to take advantage of the offer. Bank of America charged me fee and 18+ % interest rate instead of the offered 0 %. I lost over {$1100.00} dollars. This is a follow-up complaint to XXXX which described the initial issue. On XX/XX/19 I received a call from a representative of the company who claimed that he look into the original complain and that I was never offered the 0 % offer. In addition, he claimed that the offer I described was for a different credit card. I did include a copy of a similar offer that came from the second credit as an example but it was misinterpreted by BoA employee even after I explained it. I do not believe that the employee ever looked into my issue and was simply trying to get rid of the complaint instead of helping me resolve it. I informed the employee on the phone that I have a copy of the original offer for the disputed credit card but he did not even attempt to look up my account or asked e to email it to him. He finished the call saying that he will be in touch. The only offer he made was that he was going to call BoA Marketing to extend the 0 % offer to me which does not make sense since I already received that offer and I used it just to find out that I was overcharged. My issue is that the company did not honor its commitment and overcharged me by over XXXX dollars before I was able to pay off the balance. I have been a customer of BoA for 21 years, I can not imagine how they treat others.

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 2019-11-08
Company: ALLY FINANCIAL INC.
State: AZ
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:
Hard enquiry from Unknown resources on XXXX  1. Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information Ally Financi XXXX, MN XXXX ( XXXX ) XXXX 4.  Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX 1. XXXX XXXX XXXX, CA XXXX ( 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 2021-10-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been disputing a few accounts on my credit reports for some time now with Experian, XXXX and XXXX. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and Experian and XXXX has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and Experian are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and XXXX removed and corrected this issue but XXXX and Experian has not. Again, how are they able to report inaccurate information? If XXXX found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?

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 2017-12-13
Company: EQUIFAX, INC.
State: FL
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:
RE : Remaining items To whom it may concern : XX/XX/XXXXThis letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1.  XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. SYNCB/JCP 4.  XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Equifax on XX/XX/XXXX. Despite my initial contact, Equifax has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) Equifax erroneously reports a late payment on the XXXX XXXX account. I would like to emphasize that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) Equifax incorrectly indicates a late payment on the XXXX XXXX  account. I want to clarify that this account has never been late. Consequently, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Equifax includes a late payment record for the XXXX XXXX account. It is important to note that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) Equifax has provided inaccurate information on the XXXX account. I kindly request the correction/update of this erroneous data on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: Creekside Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been a customer of Creekside for many many years. I went Friday XX/XX/2019 and got a loan through XXXX and in the loan process she ask me if I had my auto insurance policy number and I said no so she said she would look it up and upon looking it up she ask did I have full coverage auto insurance and I said yes and she said she would take the insurance they have off the loan and would save me money since I have full coverage and don't need it that it was mainly used for people who only had liability. It never fully dawned on me what she was saying until today I called the Creekside I have my loan through today XX/XX/2019 and was asking XXXX about all this which he stated XXXX XXXX the formal supervisor or manager that use to work there prior to some identity theft fraud issues with another employee that's when XXXX retired but XXXX had said XXXX made them add this Creekside insurance regardless if a customer had their own full coverage insurance or not and to not even say anything to the customers to just add it, so with that being said how much hundreds and hundreds of dollars did they get from me being a long time customer and many other customers that is unaware of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14
Company: Colony Brands, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit report shows that I have a charge off on this account of {$370.00} for a XXXX XXXX XXXX credit card that I never had, I have sent a letter certified to this company disputing these charges and have not heard back, Below is the information reported on my credit report from the 3 credit bureaus and they are as follows : XXXX : 1. XXXX XXXX XXXX, date opened XXXX/XXXX/XXXX, High Balance {$370.00}, payment status-Legally paid in full for less than the full balance XXXX : XXXX XXXX XXXX, date opened XXXX/XXXX/XXXX, Account Status ; Closed, PAYMENT STATUS ; BAD DEBT & PLACE FOR COLLECTION AND SKIP, Comments : SETTLEMENT ACCEPT ON THIS ACCOUNT. PAID CHARGE OFF XXXX : XXXX XXXX XXXX, DATE OPENED : XXXX/XXXX/XXXX, HIGH BALANCE : {$180.00}, ACCOUNT STATUS : CLOSED

Company response to consumer: Untimely response
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed XXXX XXXX in XXXX to save my home. During that time I also applied for a Loan Modification in which I was approved as of XX/XX/XXXX. The letter said that the modification should be final within three months. I have made the three trial payments under the contract. During this process I converted my bankruptcy to a XXXX XXXX ( the house is no longer included XXXX. I have called HomeloanServ each month asking when they will finalize this modification and no one ever has any answers for me. They are always I don't know what to tell you. Someone will call me back and they never do. I spoke with XXXX in mid XX/XX/XXXX she said they are waiting on paperwork from the bankruptcy trustee. I advised them that my attorney XXXX XXXX said that they will not receive anything from the trustee since I am no longer in a XXXX and they are not included in the XXXX. They have refused to finalize the modification and have refused to give me any answers. My XXXX is to discharge XX/XX/XXXX and my attorney need affirmation of debt which they have refused to provide. I called again today and once again was told by the representative that she had no answer for me and she did not know what to tell me and would have a supervisor call me back XXXX who is very rude by the way ) and never returned my call from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX & XXXX, I called USAA about fraudulent activity on my account. I was trying to get a loan and had to provide certain information so that the company could verify my direct deposit. I have done this before on two other loans that I am currently paying on. With that said, the company was fraud, and they posted a apple check on my account and XXXX  themselves money. I have the emails and the fake application and loan information from the company. With that said, I immediate called USAA. They locked my account and proceeded to tell me that they were closing my account. I was fine with that however I am a XXXX XXXX XXXX XXXX  veteran and my only source of income in the amount of {$3200.00} was being set to that checking account on midnight XXXX XX/XX/2021 from the Department of Veteran Affairs. USAA told me that they would keep the money indefinitely and that i could not access the funds. They also stated that it will take 90 days for then to decide if I would receive the funds. In short, this is theft of assets by a bank without cause. The hardship this has caused me is irreversible. I have had to not pay my rent, car insurance, and other debts. My car insurance is through USAA and now that is being terminated. The bank insists they are a bank for service members and veterans. I have filed a civil lawsuit against USAA. The Department of Veteran Affairs has also filed a tracer claim against USAA. I have written my state representatives offices and the FBI. I have filed numerous complains against this Bank. Banks in the united states, can not just steal and hold money and the only source of income of an individual. They are not paying interest on this money and I do not have access to it. Please help. USAA have been doing this to veterans and service members for years. Please investigate their practices. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Checking account # : XXXX Attached is the company or fake company that caused this mess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
I am interested in processing disputes for all inaccurate information on my credit report with Equifax. checking my file ive noticed alot of data that is hindering my file. please review an delete the items listed to clean my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: CA
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 Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NV
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 following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SouthWest Credit Systems/XXXX have incorrectly reported a debt to my credit report that is NOT my debt. The person who owns the debt has the same first and last name as me, but a different middle name. The person also has a different address which is not my address. This debt collection company has wrongly and inaccurately put someone else 's debt onto my credit report and this is tarnishing my credit report and credit history. The amount of debt Southwest Credit Systems/XXXX is seeking is {$1400.00}. This is not my debt and I have no knowledge about this debt. This debt has been fraudulently put onto my credit report as this is someone else 's debt and I want this to be removed immediately!

Company response to consumer: Closed with explanation