BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
On XX/XX/XXXX, I went to XXXX XXXX  XXXX ( Address : XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Phone : XXXX XXXX XXXX XXXX ) to fill up the car with gas ( XXXX sedan ) that we rented before returning it to XXXX. I gave my Bank of America Alaska Visa credit card to the attendant and he ran the card through his machine. He then told me it did not go through and he needed another card. I gave him a second Bank of America XXXX to try. He ran the card through his machine and then told me it did not go through either. My fiance then gave the attendant his Bank of America credit card. The attendant said this charge went through. The attendant did not provide us with any receipts. When I looked at my credit card transactions on both cards, I saw that the charge from XXXX to my Bank of America Alaska credit card in the amount of {$100.00} and the charge from XXXX to my Bank of America Mastercard in the amount of {$84.00} both posted. The charge to my fiance 's credit card in the amount of {$60.00} also posted to his credit card. When I attempted to contact XXXX, I got a message saying the party was temporarily unavailable. I filed disputes on both transactions on XX/XX/XXXX through Bank of America and provided supporting documentation. On XX/XX/XXXX and XX/XX/XXXX, I received letters from Bank of America stating that they were unable to determine that a billing error occurred and they issued credits to my account for the disputed charges. The letters also stated that Bank of America was considering the dispute resolved but the merchant would have the opportunity to present new information on why the charges were valid. On XX/XX/XXXX, I received another letter from Bank of America notifying me that they reviewed the details of my dispute on my Alaska Visa credit card and were unable to pursue the dispute further. My Bank of America Alaska Credit Card was then charged the original disputed amount of {$100.00}. I called Bank of America to ask why my account was charged and was told that XXXX provided signed receipts for the transactions and because it was a chipped transaction, they had to consider it valid, and I was required to pay it. I did not sign any receipts when I was at XXXX because the attendant told me his machine was not working. I requested an appeal of Bank of America 's decision but was told because the signed receipts were provided by XXXX, there was nothing I could do, even though I did not sign anything and the receipts must have been forged. On XX/XX/XXXX, my Bank of America Mastercard was charged the original disputed amount of {$84.00} without any explanation from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter was sent out via postal mail XX/XX/2022 and I have yet to see any actions taken. 

There are multiple inaccuracies and errors on this XXXX XXXX, reporting by Transunion

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 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
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 filed some disputes with Experian around XXXX XXXX, 2022, about some accounts reporting inaccurate information on my Credit Report. I sent them a letter showing proof of discrepancies and asked for them to either update or delete the inaccurate information. 

I received a response back from Experian and noticed that nothing has changed as a result of the dispute. Therefore, I am humbly requesting your assistance in rectifying this matter, as it is having a profound affect on my credit report.

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 2017-11-16
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XXXX XXXX XXXX, I applied for a XXXX XXXX rewards prepaid card on this website : XXXX XXXX XXXX The online system was not able to confirm my identity, so after calling their customer support team, I was told to fax a copy of my SSN and DL. On the XXXX, I faxed the document, triple checked that the fax number and card id were correct, and made sure the pictures were enlarged and brightened per their instructions. 
I called in the evening to check on the status and was told the fax was not received. I confirmed with the fax system that everything was properly sent and received. I followed up on the XXXX and XXXX, but the fax was nowhere to be found. So I had to fax it again and this time they received it. I then called many times to have them look into their system and find the missing fax, but they could n't even do it. I 'm really concerned that all my personal data is out there, and they ca n't find it. They even told me to keep an eye on my accounts to make sure nobody was using it. Nobody should ever have to fax such confidential data, especially to a service with such lax scrutiny.

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 2020-02-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor Information XXXX XXXX XXXX {$570.00} XX/XX/2017 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX XXXX {$350.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2019-05-30
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent two letters asking for verification of two debts listed on my credit report. No response was recieved from either letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
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:
Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are fraudulent Equifax Mortage Service XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Information belongs to someone else

Complaint:
Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.

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 2020-02-20
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$860.00} XXXX  XXXX {$57.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 # has violated my rights. 
15 U.S. C 1681 Section 602A 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 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 2022-04-27
Company: EQUIFAX, INC.
State: NE
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  Account beginning in # XXXX, XXXX XXXX acount beginning in # XXXX XXXX XXXX  account beinning in # XXXX XXXX XXXX XXXX account beginning in # XXXX, and XXXX XXXX account beginning in # XXXX have all violated my rights. 

15 U.S.C 1681 secion 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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 status incorrect

Complaint:
This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: MI
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:
There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX XXXX I paid the Lobel Financial of {$8300.00} last XX/XX/2018 as to settlement on this agreed amount for the debt I owe them. 
Yesterday I obtain my credit report thru XXXX and came out the result that Lobel Financial didn't updates my status to the credit bureau. When I called them the person on the legal department was very rude to me over the phone because I insist to him that it should be cleared and therefore I request to him for an immediate action but instead he replied investigation should be proceed first and it takes 60 days. 
This is not fair I told him then I said I will complain to the CFPB then he replied you can complain as much I want. 
Please help me. I will attached my Financial Refinance Statement that I settled from the XXXX XXXX XXXX  along with the Recent Credit report from XXXX. 

Sincerely yours, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Credit Plus Inc
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard Inquiry - Information below : Credit Plus Inquiry from XX/XX/XXXX - XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back in XXXX I called Toyota company to ask for a 2 months pay push back. Due to my Calendar converter was stolen from my truck. And I had to pay for a rental. Then send me an email confirming the push back date.. I wasn't aware and no one told me I had to sign paperwork by a due date and fax it to them. 

Then in the beginning if XXXX I got a notification that I was 2 months behind on my payments. When I called them they said they never got any sign paperwork. I did told them to go over any records from XXXX phone call to listen that I wasn't aware of sign paperwork.. 
I haven't received a called back yet.. 

But they did re email the paperwork and I fax it back to them with in 2 days.. 
But they already reported my 2 months late payments to the credit report. 
I need help. 
Toyota told me that they don't give forgiveness on late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
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 status incorrect

Complaint:
Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment. <P/> I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due. <P/> Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
<P/>
Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
<P/>
Kindly assist me in doing this and advise me as to what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
Creditor : Chase Acct # : XXXX XXXX XXXX XXXX Re : 30-day late reported XX/XX/2018 Chase reported a 30-day late XX/XX/2018. My mailing address should have been updated. I have multiple accounts with Chase but somehow I did not receive my monthly statement. 

The Fair Credit Billing Act requires that any lender offering consumer credit send statements to the last address reported by the consumer at 14 days before the bill is due or penalties apply. This did not happen. 

Chase did not comply with the Fair Credit Billing Act and now is in violation of the Fair Credit Reporting Act by reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: U.S. Auto Credit Corporation
State: TN
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:
When I first got the car it was with a local car lot, and then they sold my account to US Auto Credit without my consent or knowledge. I started dealing with US Auto Credit and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.

Company response to consumer: Closed with explanation