BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Frontline Asset Strategies, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Frontline Asset Strategies placed a collection account on my credit report for a phone bill from XXXX for {$50.00}. 

I contacted XXXX about this account and they confirmed that this was not a debt I owe. I emailed Frontine Asset Strategies this evidence and requested that the inquiry be removed from all of my credit reports. The representative said it was. 

I applied for new credit and was denied for it due to this inaccuracy showing on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I issued a letter to XXXX about an ongoing issue Ive had with disputing this account. The letter sat at the postal service for months and finally was picked up and delivered to address for XXXX. Its now XX/XX/XXXX and no notice of dispute was entered with XXXX or XXXX. Im requesting deletion of this account tracking number for certified receipt is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
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:
On XX/XX/2023, I spoke to Audi Finance about purchasing my vehicle after the lease had ended. The Audi representative sent me the documents ( via their web site ). I completed the documents and sent them and a check, via XXXX, to Audi Finance to buy out my vehicle. On XX/XX/2023, I confirmed with my bank that Audi cashed the check ( see attached ). The representative told me that the title would be sent in a couple of weeks. On XX/XX/2023, I contacted Audi again, and was told that the vehicle title was being processed and that I would get it in 3 to 4 weeks. I called them again on XX/XX/2023, XX/XX/2023 and XX/XX/2023 and was given the same response that I would get my title in the next couple of weeks. It's been 2 months since they cashed the check, and I need my title to re-register the car. I think 2 months is more than enough time and I don't feel confident in the last response I received, which was the end of lease department would contact the title company to send me the title in 7 to 10 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was making a payment of {$50.00} a month and they contacted me and demanded {$120.00} a month. I tried to explain to them that I could not afford {$120.00} a month, but they would not listen and threatened to take me to court and jail time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: BB&T CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Based on my research, the loan was established in XX/XX/XXXX and it was paid in full in XX/XX/XXXX, later receive a notice showing balance of {$620.00} of late fees, later we spoke to a rep in reference to that amount and as per discuss, If we pay {$260.00}, they will relinkgage the balance to zero and send us the title, as of this date today 's date on XX/XX/XXXX, We still have not receive the title until remaining alleged balance and interest charges still acrued. We would like to have this matter investigated and our title release.

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 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On Sunday, XX/XX/2019, at XXXX XXXX  ( CST ) I used Kohl 's credit card to buy some clothing from Kohls.com. 
The order amount was {$68.00} ( Order # XXXX ),  charged to my card. A couple of days later the order was shipped to my address and I was notified so. 
Due to some technical error between Kohl 's and the carrier, the shipment was decided to be returned to Kohl 's and not to be delivered to my home! 
Since then, I have contacted Kohl 's so many times asking them to refund my store credit card. Each time they insist that I have to wait for the merchandise to be returned to their warehouse first! 
Again, it wasn't my fault that the carrier failed to deliver. I have already waited about 14 days since they charged my card. I see no reason I should wait further to get my money since they didn't deliver the products I ordered. 
Please help me get the refund back. 
I also authorize my husband XXXX XXXX to discuss the issue with anyone on my behalf. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Navient placed loan in default and went to my son 's home to serve me w a civil lawsuit. My loan is in forbearance per President Biden and the Borrowers Defense. This has caused me stress and XXXX  and I was denied a sufficient car loan because of the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint to XXXX, Transunion and XXXX about some errors that I found while looking over my credit report. For some reason XXXX failed to investigate my disputes. I sent another letter out and got no response. Im not sure how XXXX  comes up with this FRAUD DISPUTE suspicion. XXXX and Transunion verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2. XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

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 2023-03-20
Company: NCB Management Services 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: Account status incorrect

Complaint:
XXXX sent my account to collections after I paid the account off at the closing of my house. NCB has closed the account with only XXXX. XXXX account should be deleted completely since XXXX should have never sent to collections. XXXX this should be done with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions

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 2019-04-30
Company: Terrill Outsourcing Group
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Debt collector, XXXX XXXX, contacted a phone number where I have not lived for 10 years and left a detailed message regarding debt owed on parent 's number. Against FDCPA regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a credit limit increase on XX/XX/XXXX. On XX/XX/XXXX, a denial letter was mailed. The letter states that I am currently enrolled in a payment arrangement program with a credit card issued by Citibank , N.A . or one of its affiliates. I am not enrolled in such program. I did have a card closed in XX/XX/XXXX, however, the balance has been paid and shows {$0.00} balance on my credit reports. I called the phone number listed on the letter ( XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX, ET are the listed  hours ). The first person I spoke with stated that they would transfer to some who would discuss with me and provide a more detailed explanation. The person that I was transferred to said that they would have to transfer me to another person for an explanation. I asked for a direct number, rather than a transfer, and she stated that she could not provide me with a direct number. She transferred me, when she did, I was placed on placed on hold, and then a short time later the call was hung up. Citibank is not willing to make it accessible to speak with the correct people to provide an answer more detailed than the mailed letter.

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 2023-05-28
Company: Experian Information Solutions 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:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, or account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Advantage Credit, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did try to fix the problem with the credit card company which is Kohl 's. Didn't get any where with them, so I cut my credit card up and said I will pay a monthly amount with them, but I wanted my account closed. Someone called today, they said even through my account is closed they will still added on a monthly late fee of {$39.00} each month on my account, if there is a balance. To me, they shouldn't be able to charge that amount. I offered {$50.00} per month till the balance of {$310.00}, I was told they would still add on {$39.00} late fee each month. I ask, how am I going to ever pay their bill if they keep adding on {$39.00} each month????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TD BANK US HOLDING COMPANY
State: SC
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:
I have reach out to them numerous times and information continues to change. I'm showing late payments, account still open. 
Bankruptcy case # XXXX. It is affecting my credit score very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: SYNCHRONY FINANCIAL
State: MD
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 was recently denied my XXXX student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " XXXX XXXX '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. 

Also there is a fraudulent XXXX  XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX XXXXXXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to BB & T Bank on XX/XX/2018 to cash a check payable from a BB & T business customer checking account. The manager said they didn't have enough cash to cover the check amount and offered a small partial payment of cash and a cashier 's check for the remaining balance which was the majority of the amount of the check. The manager did not offer to aquire the cash needed to pay the check from BB & T. The manager did not offer to set up an appointment for me to receive payment for the check. I was also offered the option to open an account at BB & T but I was informed I would be charged {$50.00} if I withdrew the funds and closed the account within 90 days. I have a check on a BB & T account in good standing and yet BB & T did not offer to aquire the funds to pay it. I have a piece of paper with numbers on it and BB & T has my money.

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 2019-11-05
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2023-03-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of aacounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy. 

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

15 USC 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 og convictions od crimes which antedates the report by more than seven years. 

15 USC 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 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 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted an investigation request to XXXX and Trans Union.  They are supposed to respond with the results within 30 days, but they have not.

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 2020-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is related to XXXX. 

Bank of America committed corporate fraud and theft when it withdrew an auto payment on XX/XX/XXXX when the card had a zero balance. 

Bank of America refunded only {$23.00} of the {$25.00} it stole from my bank account, keeping {$1.00} for a minimum interest charge. This is the second instance of corporate theft the bank has committed. If the initial corporate theft committed by Bank of America did not occur, the current, second theft would not have happened. The interest collected constitutes FRAUD. 

XX/XX/2020 External Withdrawal BK OF AMER MC - ONLINE PMT {$25.00} XX/XX/2020 External Deposit BANK OF AMERICA - Credit  Bal {$23.00}

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 2023-03-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been calling since the start of XX/XX/XXXX looking for my tax 1099-INT, customer service tells me to call the branch, I call there and request a copy since I didnt receive it and never changed my address. I need to file taxes and have explained to them just to let me know my YTD interest for XXXX they are unable to tell me over the phone, I am XXXX XXXX and cant go in the branch, federal law states they need to mail by XX/XX/XXXX numerous times I have requested the original or a duplicate and never get it.

Company response to consumer: Closed with explanation