BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On Friday XXXX XXXX 2017. I attempted to cash paycheck at Bank of America XXXX XXXX Branch. I do not have account with Bank of America. Check was a Bank of America Issued. I had cashed paycheck previously at same location. Such was my surprise when the teller called the manager who then denied me services.

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: MI
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX  XXXX {$2200.00} XX/XX/XXXX 3.  XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX 7. XXXX XXXX  {$16000.00} XX/XX/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 2020-02-20
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a credit card ( VISA ) from Elan, which was issued by the XXXX XXXX XXXX in XXXX, TX. The card always had an interest rate of 9.90 %. On XX/XX/19, I made a purchase of {$5000.00} and one for {$61.00}. I would not have used this card if I thought it had a high interest rate. I was not charged interest in XX/XX/XXXX, but the recent statement had my " purchase '' under a 16.49 % interest rate. I was never informed about the rate change. I called, and after getting nowhere with a representative, asked for a supervisor. He could not explain to me what happened to the 9.90 % rate ( which is still shown on my statements XXXX, and was unwilling to make any adjustments. Under the high rate, the interest amount for just two months is {$140.00}. Again, there was never any notice from Elan about rates going higher.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Here is the certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has failed to complete an investigation that I have sent documented Letters to their office of my intent to sue if they did not remove you in accurate accounts pursuant of the FCRA.Im entitled to 100 % accurate credit report and Trans Union has failed to respond to certified mail that was sent to them.

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 2017-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 had fraudulant charges on a bank of america credit card I had. I have disputed this numerous times with all 3 credit reporting agency 's. XXXX has finally received confirmation from bank of america to delete this account off my credit report and remove it. However XXXX and XXXX are still reporting it. All they are doing is sending me copies of my credit report stating the account has been updated and verified as mine. I contact corporate office for bank of america and it has been determined that these charges were fraudulant and I would not be liable. I was told to re-dispute and bank of america will respond to delete off my reports. Like I mentioned earlier XXXX has deleted it off my report but for some reason bank of america will not send the same information to XXXX and XXXX to remove off my report. I do not understand this as the response should be the same for all 3 credit reporting agency 's. I contacted free legal advise and was told that if bank of america has deleted this account off the report after my dispute the response should be the same for XXXX and XXXX. I have been dealing with this for months now and having this on my credit reports is affecting my credit score. I am being penalized for charges I did not do. To top this off I thought my balance last year was at zero I had no idea my card was being used fraudualntly.

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: PA
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 has violated my rights. 

XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Focus Holding Company
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: Information belongs to someone else

Complaint:
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor. Please contact all three bureaus to fix this issue. I 'm not taking another bogus computer generated code that reads verify. If you ca n't tell me your verification process and the steps you took to accurately accuse me of the account please do yourself a favor and remove it. If you read the law it states that in section XXXX please re read carefully if an account does n't go through steps of accurately verifying an account it must be removed immediately. If you ca n't show or prove any verification process. If you do n't have any original documents then it 's another reason why you ca n't continue to allow an account to remain

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
I am unaware of the accounts that are listed on my credit report. I've contacted my lawyer to investigate the issue and come to find out that the accounts aren't mine. You can't continue to accuse me or force me to accept the accounts. If I know for sure that these aren't mine please stop accusing me please seriously. Now I'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I'm not someone who uses credit at no point I'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it's not removed I will take legal actions against each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: AL
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 have filed several disputes with the XXXX  and experian about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted Experian and XXXX by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

XXXX Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to XXXX and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at XXXX to have the account removed.

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: Westside Recovery Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX is in violation of my Hippa rights reporting medical debt these accounts are also from collection company that I have no contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: KY
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 wallet got lost years ago I never made a police report because it was returned I never relieved these until I started to understand my credit report and relieved these XXXX XXXX XXXX account and inaccurate and Unauthorized things along with name change and wrong address which were deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: The Outsource Group, 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: Their investigation did not fix an error on your report

Complaint:
XXXX is in violation of my Hippa rights reporting medical debt these accounts are also from collection company that I have no contract with.

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 2017-07-06
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to resolve this problem for months with no avail. I have been disputing the validation of this debt due to the fact I do no owe it and it is not my account. This is my second complaint. I advised the company the debt was not mine, the sent back inadequate proof that it was with information that does n't match mine, I offered to even settle on the account just to get it off my credit report, which they agreed, and then never returned my calls when I left messages on the number they provided for me to call. I have filed an identity theft report with the FTC and sent it to the credit bureau and again disputed the debt and they still refuse to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB, I am attaching my most recent bank statement from Bank of the West. 

I took a break from actively using my checking account and stopped depositing funds there. I had left {$3.00} in the account to keep the account open and in good standing. On XX/XX/XXXX, a merchant drafted the account for {$6.00} which Bank of the West covered resulting in an overdraft fee. I was not notified that there was a lack of funds to cover a charge. I did not receive any phone calls or letters. As far as I was aware, my account was still in good standing without any problems. 

Then, on XX/XX/XXXX ( two months later ), I received a notice from a collection agency, XXXX XXXX, XXXX stating that Bank of the West placed my overdue account for collections. The amount owed was {$110.00}! Shocked, I contacted Bank of the West to find out what happened. I called them on XX/XX/XXXX and was advised that their phone support was unable to help so I would have to visit a branch. 

Today, XX/XX/XXXX I visited the branch and was advised that they already sold the debt, the account was charged off, and there is nothing that they can do. 

To summarize, over a 60 day timeframe, my account went from having a positive balance, to owing {$110.00} and having the debt sent to a collection agency. During the 60 day time-frame, Bank of the West made no effort to contact me. I didn't receive any warnings, no correspondence or phone calls. 

My complaint is that I believe Bank of the West charged these fees and charged off the account as quickly as possible to ensure that there was no way that I could resolve the issue in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: TX
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:
Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX XXXX {$2200.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX XXXX. XXXX XXXX {$16000.00} XX/XX/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 2020-02-20
Company: EQUIFAX, INC.
State: TX
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:
Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX XXXX {$2200.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX XXXX. XXXX XXXX {$16000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: U.S. BANCORP
State: TN
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:
Hello the CFPB, and USBank. 

I would like to dispute some transactions today. I would also like to change my account number, remove any restrictions my account has, and order a brand new debit card with a new pin. My last request is that any overdraft paid fee, is reverted. 

If this is not done within 30 business days, I will be forwarding this to the XXXX and taking any necessary actions needed. 

Any transactions you see from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX need to be reversed, and the fees associated with it wether it be overdraft, or processing fees need to be REVERSED BACK TO ME. 

I have updated all of my emails, passwords, and phone numbers so this can not further happen. I've attached my account transaction history.

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 2019-02-21
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i made my XX/XX/2019 payment onXX/XX/2019 at there branch and the check for XXXX which included an extra {$110.00} as my payment is {$380.00} said check cleared my bank the same day.today i received a call tell me i had not made my payment and that it was 2 weeks past due please note my payment is due on the XXXX even if i had not made the payment it would not have been two weeks late today. when i explained that to the very rude PNC rep that called me she then got even nastier and said if i wanted it fixed i would have to hold for 30 or more minutes. i told her to go to XXXX and demanded that she put her supervisor on the phone as they were wasting my time with there mistakes. she refused to do so. this is the 4th time that PNC bank has messed up my paments. I am always very clear when i make my payment and request that any and all over payments be applied to the outstanding balance on my load. I have an XXXX credit score and a perfect beacon score so there are really stressing me out with all of these errors on a simple car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They have violated federal law regarding my personal loan with them and are unresponsive in working with me to address this predatory loan scam. I have called, mailed and other actions in order to get them to cancel my loan based on TILA, FTC, and EFTA laws that were broken by them. I have CALLED, EMAILED and EVEN SENT CERTIFIED MAIL TO ALL OF THEIR CORPORATE OFFICES to resolve this issue with no luck. 

This company has been violating the FDIC enforcement order of unfair and deceptive practices as seen here https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation