BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of American is purposely misleading on their auto-pay setup process so Consumers like myself can not understand what proper selections to make to pay off your " Statement Balance '' each month to purposely mislead you and charge you interest. 

When setting up auto-pay on the Bank of America credit card, the only " Amount '' options are : - Amount Due - Minimum Amount Due - Account Balance - Fixed Amount None of these options *clearly* state or clarifies to me ( the Consumer ) that I am selecting the option to pay off my " Statement Balance '' on a monthly basis and it is purposely setup in this manner so I ( the Consumer ) makes a mistake and has to pay them ( Bank of America ) interest. 

Due to this confusing language, I had to call Bank of America to figure out how to setup auto-pay. The agent also was confused by the setup and had me set it up incorrectly and I was charged interest on my next bill. If Bank of America customer service themselves are unable to distinguish between the options then how am I ( the Consumer ) supposed to figure it out?! 

All the other major credit cards that I have XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX clearly state in their auto-pay setup the option to pay " statement balance '' without any issues.

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 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today at XXXX XXXX, the number XXXX called and left a voice mail claiming to be a company called XXXX XXXX XXXX XXXX I called them back using XXXX XXXX and requested that they cease and desist. I owe nothing. 
They are trying to scam me by pretending I owe a debt from 2002. Really? 
This company, whoever they are, should be held accountable in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Colony Brands, Inc.
State: MI
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:
The Company Ginny 's in XXXX of 2022 used my social security number and opened up a credit account in the amount of {$500.00} without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: WA
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:
Equifax lists my name as  XXXX   XXXX , but it should be  XXXX   XXXX . The second "  XXXX  '' should be an "  XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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: Account status incorrect

Complaint:
My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from 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 2019-11-27
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I placed a FHA streamline refinance application in with Quicken Loans. Up until Friday XX/XX/19 there were no talks about how they can not proceed with my application. I was advised by XXXX that they could not proceed with my application becauase they pulled a FHA case number before they confirmed I made the 6 month payment. This was escalated up to their Director XXXX XXXX. Quicken loans refused to contact the FHA and request for the process to have their FHA case number canceled and order a new one. XXXX states in the past they have not been able to do it. I informed XXXX that I am in XXXX with a mortgage company and htis can be done, and we do it all the time when we make this error. I took it a step further and reached out to FHA to confirm and forward the email from the FHA associate with the directions on how to get this done. He still refused and said there is nothing they can do. I advised him that I feel that I am being discrimitated against since I escalated my complaint and now they do not want anothre bad mark on their company record. He said if that is how you feel. So I have wasted 3 1/2 weeks becausae of their error which they refuse to correct by contacting the FHA. They have make a hard inquiry on my credit which I can not get those points back which lowered by score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This account has been removed twice from my credit report and the company calls all times of day, after I tell them it was supposed to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I entered in a loan agreement with Santander Consumer USA for a vehicle purchase loan. At the time of the loan I made a {$1500.00} down payment which was not applied to the loan. The dealerships explanation for this was that they have a ongoing partnership with Santander, and they will accept any altered financial documents to get a loan approved with no questions asked. They stated I wouldn't be able to get the car I wanted without some " magic '' on the backend. I really didn't understand what they meant, but I was glad to get the car I wanted. 

I made regular payments on my loan consistentley for the entirety of the loan with a few missed payments near the end of the loan due to a financial hardship. When I spoke with a representative in XX/XX/XXXX before the hardship arose, and nearing my loan maturity date, the representative on their recorded line stated that my last payment would be in XX/XX/XXXX and I would receive my title. 

After a few missed payments, I was informed in XX/XX/XXXX that I owed XXXX on the loan due to " interest '' and " late fees '' that are accumulating at {$3.00} per day. The rep told me I would need to modify the loan for an additional 24 months to pay the balance off. I asked for payment records since the loan was financed, and reviewed my credit report in regards to payment history, and there is no way I can come up with a balance due in excess of over {$5000.00} dollars. This compay is a predatory sub-prime lender preying on people with less than perfect credit. Their fees and overcharges are very shady and resembles the practices of a loan shark with a business license. Also, there is XXXX transparency in regards to fees and interest, and I have yet to receive a clear explanation in regards to why my loan balance ballooned in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I mailed another certified letter to Transunion concerning XXXX XXXX XXXX accounts showing on my consumer report. I asked them to delete these accounts because they were inaccurate. All XXXX XXXX accounts have been deleted from my XXXX consumer report. I know all three reporting agencies are required to report the same information. Transunion did not investigate the information, if they had the accounts would be deleted. I asked them to send me the procedure of how the accounts were verified, but I have not received that. I know I have a right to receive that information. Account for the amount {$8300.00}, There is inaccurate information, for the XXXX history : XX/XX/XXXX account XXXX days late, XXXX & XX/XX/XXXX both months XXXX  days late, how can both months be XXXX days? Inaccurate information you are reporting. Transunion said this had been verified. The account status : charge off, delete this accounts charge offs are not to be reported on consumer report. Transunion is in violation of the law not verifying the information they are reporting. Account for {$9300.00} has been deleted on XXXX consumer report, if Transunion had done the investigation they would know this account has been deleted. Payment History : XXXX account XXXX days late, XXXX, XXXX XXXX 2021 each month the account is XXXX days day. How can this be? There is not XXXX days in a month, Inaccurate information delete the account, The next account {$6400.00} has been deleted on XXXX and need to be deleted by Transunion, Payment History : XXXX  2021-account XXXX days late, XX/XX/XXXX, XXXX, XXXX, each month XXXX days late, again inaccurate information, I have requested that this information be deleted from my consumer report before, and Transunion continue to furnish inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I received your letter in response to the Equifax dispute I initiated on  XXXX / XXXX /  XXXX  .   Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency.   Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Sectio n 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.    Furthermore, you have failed to provide the method of verification as required under Secti on 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA  you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consume r reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under secti on 605 or  can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following :  HIPAA Release form in its entirety allowing this third party to have complete access to me medical file sign ed and dated by me Copies of all information regarding the above-referenced debt, including detailed statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties.   Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees.   Also, please provide me with a complete description of your clients identity, including its full name, address, state and local lice nse ( s ) and state and federal tax numbers.    Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.   Copies of copies are not a form o f Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified , invalid accounts must be removed. If you are unable to provide me with a copy of the validated proof that you have on file, within  30  calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.   If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. All Ive done is legally sold designer expensive items through XXXX and received great reviews from them and proof of messages. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel theyre not doing their job properly and its effecting me a great deal as I used PayPal quite frequently. My emails linked to both of my PayPal accounts is XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I notified Bank of America that two unauthorized charges in the amount of {$13.00} was debited from my account on XX/XX/XXXX by XXXX XXXX. I did not and have never authorized a charge from this company. 

Bank of America informed me that the charges were made using an electronic debit card. The debit card in question for this account has never been used or activated and is secure in my safe at home. Bank of America indicated that they would investigate the charge and get back with me. They acknowledged that there have been complaints regarding this same company. Please see link of other customers who have reported the same. https : XXXX Bank of America informed me that they would be cancelling the debit card and reissuing a new one. They also said that reversing the charges would be pending an investigation. The funds have not been deposited back into my account as of XX/XX/XXXX. 

Also, I am concerned that their has been a breach in security of accounts at Bank of America and that my other accounts ( check, savings and credit cards ) are not safe.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-08-30
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX has violated my privacy rights according 15 USC 1681 section 602 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 a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Big Picture Loans, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Is there anybody in Wisconsin or Michigan that can assist me with this? Is Big Picture Loans even licensed and/or allowed to conduct payday loans in Wisconsin? How can they get away with this? On XX/XX/XXXX I filed a Wisconsin Chapter XXXX Debt Amortization and included this account in the action for {$1100.00}. They counter claimed that I owe them {$1300.00} I am trying to adjust the amount to what I feel would have been owed on XX/XX/XXXX when I tried my best to pay the loan off in full and they refused to accept it - XX/XX/XXXX {$1000.00} BALANCE Or maybe remove them from the Chapter XXXX filing altogether is there anybody that can assist w/ this to provide guidance? Thank you, XXXX XXXX XXXX XXXX SUMMARY XX/XX/XXXX {$2200.00} deposited to my bank XX/XX/XXXX {$1500.00} electronically paid on account XX/XX/XXXX my email inquiry on options to repay balance ( recd NO REPLY ) XX/XX/XXXX my email inquiry request for payoff amount for XX/XX/XXXX ( recd NO REPLY ) XX/XX/XXXX my email request payoff amount ( recd NO REPLY ) XX/XX/XXXX my email request for BPL to please respond to my multiple requests ( recd NO REPLY ) XX/XX/XXXX my email request for a response and payoff w/ breakdown ( recd NO REPLY ) XX/XX/XXXX my email request offered {$1000.00} to payoff in full ( recd NO REPLY ) XX/XX/XXXX my email request copy of loan papers ( recd NO REPLY ) XX/XX/XXXX my email request to cancel request of loan papers ( recd NO REPLY ) XX/XX/XXXX me phoned in to support, spoke w/ XXXX who promised they would phone me back ( NEVER RECD CALL BACK ) XX/XX/XXXX my email sent requesting phone call back as never recd ( recd NO REPLY ) XX/XX/XXXX my email below to which I recd NO REPLY CC : Consumer Product Safety Commission by way of webform Consumer Protection Financial Bureau by way of webform

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with Truist financial institution. I currently have one commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. Truist 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with Truist the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.

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