BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BoA refuses to acknowledge that they are discriminating by declining certain purchases, even claiming one successful purchase answers for ten others declined. I only have seconds to purchase my items and cant make a second attempt and they continue today to cancel every transaction and send a fraud text, so I cant make the transactions at all, going on ten months. They still ignore the issue. They claim the fraud alert isnt because of them but they also wont remove it. The will keep me on the phone 12 hours refusing to help, contradicting and cold-transferred calls. Their escalation person wont resolve the issue because she doesnt see a problem with the alerts no matter how many times I explained, they pretend no one has had to make this type of purchase before. So I have fraud alerts every time I try to buy at the only two places I spend most of my money and I cant buy anything because everything is sold out after the card is declined. They have no records of the transactions or declines and their records dont matchup with the alerts sent. Its medsed up but whats certain is that they arent changing their refusal to remove this restriction ( that say there isnt one on my account and that the sellers are declining the transactions they initiate, even thought BoA sends a text message verification ). No one will cooperate with getting the technical issue resolved, hoping a random card replacement might work and that I should use my credit instead. They only let me speak to a secretary working in the collections office calling herself the manager of the escalations group, they arent even treating me as a customer or a human, but it is discrimination to monitor someones spending habits and use fraud verification to prevent purchases for over six months, preventing not delaying or verifying, because weve clearly expressed our interest and intention to purchase and every time I miss out. Today they called me at XXXX est when XXXX XXXX dropped his XXXX XXXX XXXX low, she was on the phone with me with the transaction failing and trying to convince me I was mistaken. They are aware of what is being limited in this account and using fraud to limit the account that hadnt been involved with any fraud.

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 2023-04-18
Company: Experian Information Solutions 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:
This is XXXX XXXX and I am submitting this CFPB complaint to once again, dispute the fraudulent accounts and information off of my Credit File. I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The accounts and information in question are : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022. Let me make it abundantly clear that I did not open this accounts and or information or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.

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 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Reporting an error in accounting that deducted {$610.00} from my Bank of America checking account ending in XXXX that was supposed to be credit applied to my BankAmericard XXXX XXXX card ending in XXXX. 

This is in regards to CFPB complaint ID - XXXX XXXX XXXX is the name of the complaint specialist that handled this request.

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 2022-01-11
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been using PayPal for a very long time, and have always trusted that they would look out for me as their customer. Yesterday, a foreign address charged me for some product that I absolutely did NOT buy, and charged my bank account that is linked to PayPal. I filed a dispute, stating very clearly that I did NOT authorize this purchase, and PayPal took the side of the foreign company!!!!! I went directly to my bank, showed them the transaction, and they immediately knew that this was fraud, and my banker told me that this " should have been obvious '' to PayPal. Now I am wondering if someone at PayPal broke into my account to try to steal from me. I am currently discussing options with my attorney regarding this matter. I am VERY upset. DO NOT USE OR TRUST THEM!!!!!! PLEASE!!!!!!!! They WILL absolutely steal from you!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My Bank of America XX/XX/XXXX/XX/XX/XXXX credit card statement contained an unknown charge of {$99.00} from " XXXX XXXX XXXX '' dated XX/XX/2018 with a telephone number XXXX ( NJ ), I had never dealt with that entity. I called the listed number and the person answering refused to identify the entity called, I was told that the entity did not sell merchandise or services but, rather, represented other unidentified firms in collecting charges on credit cards -- ie either a competitor or collaborator of Bank of America. I certainly did not authorize XXXX XXXX XXXX ( or, indeed any one else ) to use my Bank of America credit card. This was plainly a fraudulent transaction. 
To prevent further fraudulent uses of my card, I asked the Bank to cancel the card used by XXXX XXXX XXXX and issue a new card with a new number. The Bank reluctantly honored my request. 
Bank of America advertises its " {$0.00} Liability Guarantee '' in selling its credit card program. " The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your account ''. Notwithstanding several conversations with the Bank 's fraud unit over a period of a number of months, the bank refuses to acknowledge its responsibility under its " {$0.00} Liability Guarantee ''. Rather, it insists that I purchased something from its competitor/collaberator, XXXX XXXX XXXX -- something that XXXX XXXX XXXX denies. 
The Bank today has turned its bogus claim over to credit collection agencies causing irreparable damage to my credit for which I have a claim for {$40000.00}. This will only escalate if the Bank persists. The Bank tries to insulate itself by refusing to allow me to talk to its legal department and by not answering, in a timely manner, calls to its " customer care '' department. It will not allow its employees to discuss anything to do with dispute resolution or to return telephone calls that have been disconnected. 
I demand that the Bank honor its advertised {$0.00} Liability Guarantee, that it repair my credit rating and, that it pay me {$40000.00} for damage to my credit and improper credit card cancellation, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 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 explanation
Consumer complaint received 2023-08-27
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Navy Federal share my personal information with a third party without my authorization. 
They have also voilated my consumer rights granted by Congress.

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this 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 2022-09-05
Company: Experian Information Solutions 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:
Experian in your response to the CFPB you state that inquiries are factual record of companies who accessed and reviewed a consumers profile But if there is NO contract of business then it is considered unauthorized and has to be removed { law } you also state you mailed your document to me NEVER GOT THEM. understand that under 15U.S.c.1681 { B ] I XXXX is the original creditor on every thing and have full legal power to remove anything I want because there is fraud being reported on you credit report documents enclosed as proof because I never got documents you state you mailed. as original creditor I NEVER REQUEST ANY COLLECTION COMPANY TO COLLECT ANYTHING I ask the CFPB to assist in this matter

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 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute threw the CFPB asking Experian, XXXX, and XXXX to investigate my accounts. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results and are supposed to record the current status of the disputed information which they did not and also did not update the status/date of dispute which is another viloation. These consumer reporting agencies are in violation. Evidence provided below with violations. AccountXXXX XXXX XXXX XXXXXXXX Acct # XXXX & XXXX, XXXX Acct # 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 non-monetary relief
Consumer complaint received 2018-04-16
Company: Experian Information Solutions 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:
Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX County Support Payment, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment.

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at Experian as to why I can not obtain employee ID potentially in case of pending litigation?

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY.

Please have XXXX   telephone the originator of the complaint 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to address an on-going issue of identity theft that continues to cause me frustration and disappointment in my interactions with your credit bureau XXXX In XX/XX/2022, I initially contacted your bureau to report a severe case of identity theft, which has significantly impacted my life, causing distress and hardship. Despite furnishing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in the resolution process. It is essential to reiterate that the burden of proof does not rest with me but with your bureau. Your responsibility is to conduct a thorough investigation into these matters and rectify the discrepancies that have caused me significant trouble. I use the term " nuisance '' to characterize your bureau 's response because, despite numerous attempts to engage with your organization, I have not witnessed the progress or resolution commensurate with the gravity of this situation. Now, I'd like this account DELETED from my report : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2019 I purchased a XXXX  XXXX XXXX. This purchase has proven to have lasting consequences. Auto finance companies in my case Chrysler Capital Santander set and established a whole salebuyrate for potential retail installment sale contract ( RISC ) and communicates that rate to the dealer XXXX  XXXX located in XXXX XXXX. This so calledpolicy which allowed the dealers to contract with me for a higher rate ( pejoratively referred to by the CFPB as the dealer markup. 
After looking through my contract I found no mention of this. And after extensive research I learned that this information is not disclosed to buyers at all. Also, If the contracted amount is higher than the wholesale buy rate, and the contract is assigned to the finance company, the dealer receives an amount referred to as a reserve ( or finance charge participation ). 
DMEA. In some instances the profit is split between the dealer and the finance company. I learned shortly after XXXX XXXX XXXX  financing offered me an extremely lower interest rate that the dealer did not disclose to me. It wasnt until I received correspondence from XXXX  XXXX that I learned that offer was afforded to me and at that point I had already singed the bill of sale for financing at an interest rate of 22 % from Chrysler Capital. This is a common occurrence and experience for minorities and should not be permissible but be considered Predatory. Fair business practices should disclose all factors that has additional cost implications for the buyer. Perhaps if any of the points I made above were disclosed I would have decided otherwise or negotiated other terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$2100.00}

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 2022-09-05
Company: SECURITY CREDIT SYSTEMS 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX {$1200.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition I did not open this account with this creditor in XXXX. If an account was opened it is fraud. 

Securitycred Balance {$500.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition I did not open an account with this creditor in XXXX. If an account was opened it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & XXXX **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY 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