BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX XXXX XXXX online through XXXX on XX/XX/XXXX.  However, I changed my decision about this purchase shortly, and contacted the XXXX customer service via phone requesting them to cancel this order. They, however, were not able to cancel the order, since it was already being processed, and assured me that I can simply return it online once the item arrives. As soon as the item arrived on XX/XX/XXXX, a return request was initiated through XXXX online return center, since it was no longer needed/wanted. However, on XX/XX/XXXX, I received an email from XXXX that my return request has been cancelled, due to a return policy violation ( which they did not disclose ), and that they reserve the right to deny any return, even though the item was still factory sealed, and according to the XX/XX/XXXX return policy, I have 14 days to return the merchandise for a full refund from the date it was purchased, and my return request was still within that window. Please see attached, all the email communications between me and XX/XX/XXXX, as well as the XX/XX/XXXX full return policy. 
On XX/XX/XXXX, after multiple unsuccessful tries to resolve the issue through XX/XX/XXXX customer service, I requested Bank of America to start the dispute process on the {$3500.00} charge that was posted on my Visa credit card ending in XXXX on XX/XX/XXXX from XXXX XXXX. I also provided them with the full explanation as to why I was disputing the charge, as well as all the documentations/emails that I had from XXXX. On XX/XX/XXXX, however, I received a claim denied later from them saying that they are not willing to issue a charge back and pursue the dispute, since the item has not been returned to the merchant, which is exactly the main reason I was disputing the charge in the first place since XXXX was not willing to stand by their own return policy, send me a return shipping label, and issue me a refund. On XX/XX/XXXX, I contacted Bank of America via phone after receiving the letter, providing clear explanation for a second time as to why I was disputing the charge. However, the agent on the phone told me that they can not issue a charge back and continue with the dispute, since there is no billing error and the merchandise is still in my possession ( even though this is XXXX fault for canceling my return request and not sending me a return shipping label ).

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 2023-03-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX {$670.00} XXXX updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29
Company: EQUIFAX, 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:
I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX  XXXX .... account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a violation letter to Portfolio Recovery Associates on XXXX for them to take action because they are in violation of my consumer rights through the FCRA and FDCPA. They responded on the XXXX of XXXX with a letter through them mail saying they would have this account deleted. They should have never reported the account in the first place. They knowingly and willfully violated my natural person and consumer rights and through their violations I am owed compensation by federal law. They have harassed me over and over and over again and it will not be tolerated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXXday allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian credit report. 

The information for this account listed on my credit report is XXXX XXXX XXXX XXXXXXXX, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2020-12-01
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-03-04
Company: EQUIFAX, INC.
State: NJ
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 had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.

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 2020-12-01
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter ( USPS ) from American Coradius International LLC, XXXXXX/XX/XXXX XX/XX/XXXX XXXX, XXXX . XXXX, XXXX, XX/XX/XXXX XXXX ( Ph. XXXX ). The return address on the letter is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. The letter claims that XXXX placed with their office a collection in the amount of {$62.00}. 

Knowing this was a fraud but wanting to verity it, I immediately called XXXX and spoke to a representative. The representative confirmed that I have no outstanding debt with XXXX and suggested I send them a copy of the letter to XXXX. 

A search of the Internet for ACI disclosed that they have many negative XXXX reviews, with many of them stating that they received letters similar to mine claiming that XXXX turned over claims to them for collection. 

In the letter ACI states that XXXX has agreed that I can pay {$47.00} as partial payment if received by ACI on or before XX/XX/XXXX. The letter asks that a check or money order be sent to the address above or that payments can be made via their website : www.acibillpay.com. 

This case needs an on-the-ground investigator to review their books and processes. Follow the money. Let 's assume that an unsuspecting victim pays their supposed debt to ACI. Since we know that no such debit exists, where is the money going? Sadly, I'm confident that ACI has victimized countless people who wouldn't question such a small amount claimed. 

Please send an investigator to review the accounts of ACI. Otherwise hand this case over to the FBI or appropriate law enforcement agency. The victims of ACI deserve justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I made an over payment to my credit card of {$550.00}. The credit card already had a credit on it. I owed no money. According to BOA policy a customers overpaynent is entitled to a refund being transferred back to the originating account ( checking account ). I requested this refund on XX/XX/XXXX. The Rep said it would happen in one to two days. On the third day I called looking for my money, This rep said it would take 5 to 7 days for refund. On XX/XX/XXXX I called again looking for my refund. This rep said it would take 7 to 10 business days. I just called today XX/XX/XXXX again to find my refund. This rep could give no answers for delay. She did discover that my first request was deleted, a second one was opened on XX/XX/XXXX and a third request was posted on XX/XX/XXXX. So every call deleted the initial request and started a new one with another 10 day delay. So I am now waiting anther 10 business days ( two weeks ) to be refunded my money. A suspicious person would think BOA has a cash flow problem or they just never refund customers their money. 
I have been a BOA customer for 53 years and they really don't care.

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 2020-10-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
W

hen I mailed in a request for my credit file to be unfrozen, and a separate request for my credit record, I received a response that my SSN had been updated as the resolution to a dispute. I had not submitted any sort of dispute. I set up an account at my.equifax.com - despite the horrendous terms of service/legal agreement - for the sake of trying to fix this. My credit record is currently unfrozen according to my account at my.equifax.com - however, the " dispute '' form shows that I have a " Legislative Security Freeze '' on my account. As a result, I can not refinance my mortgage ( banks/mortgage specialists say that a soft pull shows my account is still frozen with Equifax ).
When I called to attempt to fix this, at on the first couple attempts I was told that my account is unfrozen and the banks must be wrong. Then I was able to call someone who said they could see the legislative freeze,  but that their attempts to fix it failed because the " system was updating '' and I need to call back later. I've called since then, but I'm told that I failed verification and that I can not get any help over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Credit Control, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
cont : I sent a packet with more detailed information. I received another email from a different collector for the same alleged debt. 
Credit Control XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX This is now the 4th company they have collecting this debt. 
I have been asking for years to provide proof of debt with my signature. The info is typed in with my name and address etc. 
Please request this be removed from all credit bureaus and please send a letter stating debt has been removed. 
Please let me know if you need anything from me. 
Thank you for your 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 2023-01-14
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: Information belongs to someone else

Complaint:
I have inquiries and addresses that do not belong to me and they will not remove from my report. I am a victim of identity theft.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
In XX/XX/2022, I sold a XXXX XXXX XXXX XXXX on XXXX for {$1900.00}. The buyer then opened a dispute with his bank for " item not as described '' and was refunded by his bank the full amount. The buyer then listed the ( now stolen ) laptop on his own XXXX, with my exact listing, description, and photos, and sold the laptop for {$2000.00}. 

XXXX, attempted to collect {$1900.00} from me to settle the buyers fraudulent dispute. I had informed Bank of America that I had been scammed and asked them what to do. Bank of America, on my behalf, disputed the XXXX charge, and opened a new checking account from me so XXXX could not attempt to collect, and bank of America also blocked XXXX from taking money from my account. 

Fast forward some time, and XXXX is trying to send me to collections over the {$1900.00} that was wrongfully stolen from me. I called Bank of America and asked them if I should pay it, to avoid being sent to collections, and then dispute it, to extend the amount of time I have to work on this in small claims and avoid collections. Bank of America TOLD ME this would be a good idea, and they would help me through it. 

So I called back Bank of America, and they advised me " I SHOULD PAY & DISPUTE IT ON MY CREDIT CARD & NOT MY DEBIT CARD. '' Bank of America walked me through the dispute and filed it for me, and came back a week or so later and DENIED my dispute. 

The reason for denial is because " the dispute is against a 3rd party '' This hardly makes sense to me, the dispute is against XXXX, which allowed the buyer of my laptop to blatantly rob me, and XXXX helped the buyer facilitate the fraud against me, XXXX is trying to collect from me, not the buyer. 

Even if it was against a 3rd party, if I use my Bank of America credit card to buy Bananas at XXXX and dispute it, the bananas are made by a 3rd party... not XXXX What really bothers me is I would have never paid it if Bank of America hadn't advised it was a good idea. I would have not disputed it if Bank of America didnt tell me to. Bank of America told me to pay & dispute it on my credit card, and not my debit card. 

Bank of America told me after the fact, disputes against a 3rd party would have been covered if I had paid and disputed with my DEBIT card. 

I was completely mislead and lied to by bank of america. They misguided me and lost me {$1900.00}. It is the rep at Bank of America who TOLD me what do to and how to dispute it, THEY walked me through the dispute process, and wrongfully denied it on a technicality.

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 2023-03-29
Company: Mitsubishi Motors North America, Inc.
State: ME
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving threatening phone calls from XXXX XXXX to collect on a debt for a vehicle that was repossessed in XXXX. I was first told that the company was a law firm but when I spoke to someone at the return phone number they only refered to themselves as case managers. They have told me that they are sending someone to my house with a summons, that they will be suing me, that they are in the process of putting a lien on my current vehicle, they threatened my credit and my husbands who was not part of the original debt. Most recent calls were yesterday XX/XX/XXXX and today XX/XX/XXXX. Today 's message also stated that they " firm '' is ready to take legal action and they are having the information forwarded to me and without further notice stating the phone call was my notice. I told them that the debt is outside the statute of limitations and they told me that they still had the right to collect on the debt.

Company response to consumer: Untimely response