BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I never received my EDD Bank of America and transaction were not authorized by me. I let Bank of America know and they said that It was me or that I authorized someone else. I told them to investigate and they Denied my claim for {$12000.00}. And I called for them to re-evaluation the claim and still denied me and sent me this attached document and I have also requested the supporting documents they have and haven't received nothing from them., I requested the supporting documents again and have not received nothing back from Bank of America . I called the claim department of Bank of America and they keep denying my claim

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 that person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-04
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is due to nonresolution of the prior complaint, ID XXXX. 

I appreciate XXXX XXXX 's response to my complaints filed through the Consumer Financial Protection Bureau and the Attorney General of Pennsylvania. I also appreciate receiving a credit of {$690.00} to my statement dated XX/XX/XXXX. 

In my original complaint ID XXXX from XX/XX/XXXX, I requested 1 ) that the error be corrected, 2 ) that any finance charges related to the disputed amount be credited to my account, and 3 ) that I receive an accurate statement. In Barclays Bank 's response authored by XXXX XXXX and dated XX/XX/XXXX, Barclays is unable to substantiate the claim that I continued to accrue finance charges related to the fraudulent charge. I am submitting a schedule that details substantiation for the claim that I have continued to accrue finance charges related to the fraudulent activity on my account ( encl B ). Additionally, I am submitting copies of the monthly statements showing the interest charges, monthly account balances, and my regular payment of those balances ( Encl B1-B7 ). 

You will see that my XX/XX/XXXX statement includes the fraudulent charge as well as a finance charge of {$22.00}. With each statement, I paid the statement balance less the {$690.00} fraudulent charge less the interest charged for the current billing cycle less the total prior interest charges. As you can see on my schedule, each month I paid the statement balance in full less the total amount that was disputed. 

As in my original complaint, I will not consider this matter closed until I am refunded {$180.00} in total finance charges related to the fraudulent charge. I attempted to call XXXX XXXX twice regarding this matter but received no response to the voicemails I left, so I am sending her the correspondence in writing.

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 2023-11-22
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted common wealth financial and they wanted my credit card information to check my credit report I felt uncomfortable so I called the original creditor which is XXXX XXXX XXXX and gave them my information and they had no records for either myself or my son and stated they dont even use commonwealth as their debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Upstart Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal belongings were stolen including my Social security card in XXXX around XXXX, I didnt notice the UPSTART account on my credit until XX/XX/XXXX when i tried to apply for a credit card and they told me reason for denial is because of UPSTART loan account was in collections. I am providing documentation of a Police report regarding the incident and i asked the Three credit bureaus to put a lock on my credit profile for protection. This account unauthorized and wrongfully opened with my personal information and would like for this to be removed from my credit profile as it is affecting my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with SYNCB/Amazon the past, but they have failed to give me a fair solution to my issue. I have a SYNCB/Amazon. Acc # XXXX. Opened : XX/XX/XXXX. Status : Closed. Limit : {$500.00}. Banalce {$0.00}. SYNCB/Amazon has been reporting incorrect information to the credit bureaus. 

This company has failed have failed to provide me with an answer to my letter sent back on XX/XX/2019. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA. They are being Unfair and Negligent. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. This is affecting me physically and mentally and I want a fair solution to this issue. 

I am demanding a deletion letter from SYNCB/Amazon and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. See attached documents sent to SYNCB/Amazon, which they ignored.

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 2019-12-27
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Requested collection removed from credit reports ( XXXX, XXXX and XXXX ) was not aware of outstanding balance to the medical providers ( XXXX ). Medical fees were paid in full to XXXX in the amount of XXXX on XXXX XX/XX/2019 via XXXX online payment site. Request to have reported collection removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
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:
I contacted HSBC right away letting them know to take off the XXXX as we were sold fake jewelery but charged for real. We sent in the information they asked over 3 times and have paid and have proof it went through but instead of taking it off my account they are leaving it their and keep sending the same form to send out this was supposed to be taken care of this is back from XX/XX/XXXX 31

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Planet home lending charged me approximately {$11000.00} in property tax as a part of an escrow analysis. Per the XXXX office of property assessment my actual tax rate for my house assessed at {$410000.00} is roughly {$5700.00}. Per my request they recognized this error. However, they refused to correct my escrow account to reflect this inaccuracy, and continue to charge me for a tax bill that doesn't exist. Per my XXXX mortgage payment nearly {$2200.00} of my payment went towards a fraudulent tax payment. I feel this constitutes both wirefraud and extortion as they did knowingly overcharge my escrow and have the authority to assess fines and penalties if i do not make timely payments on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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:
Dear CONSUMER FINANCIAL PROTECTIONS BUREAU. 
I had recently discovered that Trans Union, XXXX, and XXXX, are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

By using a third party vendor to verify my ( Bankruptcy # XXXX ) which it clearly state on my credit reports i received from TRANS UNION, XXXX & XXXX. ( letter attached ) Because of theirs use of a third party vendor XXXX XXXX thats a VITAL violation of my consumers right to privacy under the fair credit reporting act 15 U.S.C. 1681 et seq., Congressional findings sec. A 4. Because i never give my consent or permission for lexis nexis to furnish my personal information to anyone. I DEMAND TRANS UNION, XXXX AND XXXX  remove the bankruptcy IMMEDIATELY as they knowingly violated the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting by using the services of a third party ie : XXXX XXXX. This item ( Bankruptcy # XXXX ) should be removed IMMEDIATELY I have attached a VERIFICATION PROCEDURE LETTER from US bankruptcy court District of New jersey where it state that they DO NOT report information directly to the CREDIT BUREAUS. 


The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2023-12-01
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below have reported several errors. I have disputed all of the items below and as, yet nothing has been done. I have filed an extended fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information in my report has caused defamation to my character. 

Comenity Bank/NY & Co

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been unable to get my free Equifax free credit report. I tried online and was rejected because I got one of the answers incorrect. I called them and told them about this issue. I got a supervisor and they indicated that they would send out a credit report to me by mail. They also told me that I could get on to myequifax.com and view my credit report. Every time I try to get on it tells me to try back later. I have called them about 10 times and they say they will fix the error. I have received several messages saying it is fixed and I can log on. I still get the same error. Every time I want to talk to them about this it takes about 20 minutes. I have gotten 3 messages sent to my email account and several agents have also sent reset commands. They have not been able to fix this issue and I am tired of calling them to hear there excuse. To my knowledge I have never been able to log on. When I do, I need to get a new password. When I do this it is not accepted and I am told the process is temp unavailable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : RETIRED Phone Number : ( XXXX ) XXXX Social Security Number Last 4 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Contacted the bureaus and creditors about my accounts being reported on my credit file that breaks numerous amount of laws within the FRCA & Truth Lending Act.. I have sent out mail numerous amount of times from the year of XX/XX/XXXX til now XX/XX/XXXX and I have not gotten a clear detailed documented reason for why the information is still reporting and how could these companies go against there reporting rules. I am seeking litigation and ask that this information and case be reported to Federal Trade Commission & attorney general. I ask that these accounts listed be throughly investigated and deleted from my file immediately!

Reason For : Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus XXXX, Transunion, & XXXX have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent XXXX transunion & XXXX documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you and all credit agencies, XXXX transunion, XXXX XXXX XXXX, etc. as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. these debt collectors failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, 15 USC 6802 unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right. 
I require the following accounts be verified or removed immediately XXXX Ref # XXXX XXXX Ref  # 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 2019-12-30
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
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:
Equifax lied to you concerning XXXX that reports on my credit file.. I received a letter from XXXX XXXX XXXX asking the credit bureau to remove the reporting from my credit report due to them finding out that the account was fraudulent and wasn't mines. They also sent me a letter stating they would not be holding me reasonable and they've asked the credit bureau to remove all reporting from their company! XXXX  has removed theirs and Equifax has a very nasty attitude when I called to speak with them, I spoke with a supervisor who told me they would remove it but didn't. I'm enclosing a copy of the letter that I received from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation