BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear sir or madam I have a leagal question related to advance notice of an adverse change to Agreement and Schedule of fees. 

I opened my account when I was in US almost 15 years ago. 
Then, I returned to my country, at that time, I did not close this acoount because it is convenient for me to use this account whenever I travel to US. 

I have been recieved monthly statement of my account from the bank in order to check my account out. 
But, in last XXXX, suddenly, monthly fees were withdrawn from my account. 
I did not understand any reasons for it, so I sent letters to the bank three times. 

They reund the monthly fees to my account after they recieved my letters and sent Agreemt whice guides me about my rights and obligation for my deposit account and deposit relationship with them. They also sent Schedule of fees which guides me about schdule lists account fees and the way to avoid some account fees. 

I guess that they withdrew montly fees from my accounts after they changed Schedule of fees in last XXXX. Because the date of effective XX/XX/2017 was printed on the front page of Schedule. 

However, they did not notify me this change before this changed Schedule would be effective. Schedule 's overview says " We may change the accounts and sevices described in this schedule at any time. We may add new terms and conditions. We may delete or amend existing temrs and conditions. ".

On the other hand, Agreement says " We ordinary send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. ". 

Here is my question. Is there any laws to describe that banks must notify this case of changes in advance? 

Sincerely, XXXX XXXX XX/XX/30

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 2018-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2013 I received a letter from Portfolio Recovery Associates stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/2013, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are incorrectly reporting late on the OAG CHILD SU partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account was paid in full and therefore there are no late payments to report. Attached is a copy of my payment history from XXXX, XXXX to XXXX, XXXX from Office of the Attorney General Texas Child Support Disbursement Unit Payment Record. This incorrect reporting is harming my credit score and the line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus for remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I am a Care Credit cardholder. The enrollment was made for XXXX expenses of {$2000.00}. under my husband 's name because I did not have credit history on that moment. After my school loan, Care Credit is my first experience of credit card. Unfortunately, I did not know enough about credit cards. 
During the enrollment process I was talking on a phone with Care Credit representative who did not educate me and did not provide clear information about loan interest on top of that they were misleading about how fees work. And I was only provided with an agreement and Care Credit booklet by the XXXX office and received nothing from Care Credit. Everything that the representative said to me sounded as If I fail to pay the debt in full by the end of promotional period, i must pay accrued interest on the remaining balance. I made my first payment in XX/XX/2017 and continue to pay till now. Since i do not have enough experience with credit cards, I had no clue that all this time I paid just interest for {$1400.00} and owe {$2000.00} because of my late fee and interest. Care Credit online payment page looks confusing, it does not say any word such as fee or interest. Instead of it the page shows minimum pay due then make payment and view payments ... also i can't see my whole history of payments, only last 12 months another problem that I had with Care Credit, I could not reach representative on a phone to explain this situation to me I reached only recorded voice with the options to press buttons which sent me to recorded voice all over again and only yesterday my coworker gave me an idea to press 0 and I finally spoke with representative and was told how much I owe. The options I was given stressed me out more. I owe {$2000.00} and all period of time i payed interest and late fees, and if I continue pay minimum amount as it is shown on the web page, it never ends ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan was transferred from  XXXX  to a group called Bayview Loan Servicing , LLC back in  XXXX   XXXX . We are in process of attempting to refinance our home and there is a {$14000.00} amount  that Bayview Loan Servicing i s claiming as a  Deferred Amount. When we call Bayview the y claim that it is from a modification from  XXXX   XXXX ,  XXXX . We do not have any reco llection of doing any modification. When we try to speak with a supervisor with Bayview we get disconnected and have to start the process all other again. We have requested a payoff and we 'll bet you that we  wo n't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-16
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
My student loan was being serviced by the U.S. Department of Education 's Default Resolution Group, however my loan has been transferred to a different servicer and is currently not in collections, so this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2019 I informed Credit Acceptance that this account did belong to me yet they delivered documents that were clearly result of identity theft as the application did not have my signature. Also requested a copy of driver license that was provided yet Credit Acceptance could not provide this as either. Credit Acceptance is continuing to inaccurately report incorrect information on to my credit file. Now I am requesting what date was such vehicle repoed and where was it repoed from. Also what remedies were used to contact me to make me aware of such. I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Credit Accpetance in the State of Texas on or about, a date that I am unaware of due to it was not my vehicle nor the signature on the contact is mine. However under the laws of the State of Texas UCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-06-07
Company: Experian Information Solutions Inc.
State: NC
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 discovered that my credit report or score has not been updating on my end since XXXX. I called Experian Friday and the representative advised me to call Monday when someone could handle my situation. He did not even try to figure out what my issue was. He told me no supervisor was available and I have to call Monday even though the app says they are open on weekends. I called again today and each of the reps were rude to me aside from transferring me 6 times. All I wanted was to know why my credit has not been updating. This is unfair to have your life dangle at the hands of people who could care less. This is disgusting because I as a consumer have no alternative and I am needing accurate information to take further steps in life. Experian has held my life up instead of being a decent company and having reps to actually do a job. I called XXXX  and received stellar customer service as well as guidance on how to fix my issue in less than 4 minutes.

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 2020-01-22
Company: JPMORGAN CHASE & CO.
State: TX
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 have tried to initiate a dispute investigation XXXX times for a purchase that the seller did not deliver according to our contract. 

Each time, the case is closed saying that the merchant had previously credited me. This is not true. The day I made the original payment, I was sent an invoice for {$2100.00} which I paid. Then they said that was the incorrect amount, so they refunded me and sent me a new invoice for {$2100.00}. I am trying to dispute the {$2100.00} charge. 

I am attaching a screen shot of my statement that shows the {$2100.00} was paid and refunded, but that is not related to the {$2100.00} charge. 

Also I am attaching the letters received each time regarding this matter. 

CLAIM ID : XXXX CLAIM ID : XXXX Thank you - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: CT
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 have sent 5 certified letters to Experian, which were accepted by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX requesting all the information in my credit file and anything in my file that was incomplete or unverified either needed to be completed, corrected or deleted. they have done none of the things as required by law under the free credit reporting act. there is an account that they are reporting as open that has been closed for over 2 years. there are multiple accounts on my report that are missing payments. I asked that these payments be verified and added or delete the file, this has also not happened through repeated inquiries.

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 2018-08-06
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 I disputed an account via online with XXXX asking the company to delete as I have no knowledge of the account. XX/XX/18 the results came back updated. XX/XX/18 I sent certified mail a request to verify or delete the account. ( I have uploaded an example if the letter ). The company again only updated the account without verification ( s ). I sent the same request to all three bureaus one of which ( XXXX  ) deleted on XX/XX/18 meeting FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 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 Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
These accounts do not belong to me, please remove them from the 3 credit bureaus.

Please see negative accounts which I want removed from my credit report.

Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation