BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 had an authorized charge on my XXXX account. I contacted XXXX and told them about the fraud. They told me to contact my financial institution, Bank of America. I opened up a claim with Bank of America for two fraudulent charges for {$39.00} and {$21.00}. Bank of America refunded me one transaction and did not refund me the {$21.00} because they did not find any fraud. I tried to reopen my claim and they said I was out of the two week time frame to reopen the claim. I requested to reopen the claim and they have not let me. I called XXXX again and they said they found my order through the order number. They saw another customer purchased the item and that is why it does not appear in my XXXX orders yet they charged my bank account. XXXX said they would contact someone else who would call me within 24 hours. They never did. After a week, I sent several reports to XXXX security who kept immediately sending me emails within a minute of their investigation saying they found no unauthorized charges on my account. 
XXXX and Bank of America have failed to do their job and I had to pay for the unauthorized activity.

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 2019-10-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For at least the past two years when trying to get my free credit report from XXXX, for Equifax, I am forced to mail in my request versus online. 

I seem to arrive at this requirement when I incorrectly answer questions about my credit file to verify my identity, although a specific reason is not given. I appreciate Equifax takes these measures. 

However, one of the question was regarding an account opened in 2002. It is completely unreasonable to expect a consumer to remember if a particular account was opened 17 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.

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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM 2014, WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 explanation
Consumer complaint received 2017-07-11
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Trying to link my account up with XXXX XXXX and Golden1 credit union is not partnered and can not be verified.

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 2019-10-16
Company: EQUIFAX, 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:
I HAVE WRITTEN EQUIFAX AND I HAVE WRITTEN XXXX, NO HELP WHAT SO EVER.. ITS SAD BUT THE BUREAU 'S AND THE BANKS HAVE TOO MUCH POWER,, WAY TO HARD TO CORRECT REPORTING MY WIFE AND I ONLY WANT TO BUY A SMALL HOUSE FOR THE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted.
here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated.
<P/>
Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission.
<P/>
Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on XXXX/XXXX/2017 i had went back to TD bank and asked them what i can do to receive a refund in the total amount of {$1600.00} and TD Bank Said there is nothing they could since it has been over a year even when went back in XXXX of last year they said the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I bought an HVAC system from Lowe 's using their store credit card. There was a 0 % interest offer for 12 months ; I told the salesperson I would only purchase if I would get this offer, because i Intended to pay it monthly. I was repeatedly assured I would have a 0 % interest for 12 months. 
first statements show 0 % interest, but then it that was changed to 27 % interest which I only realized three months later. I often work very long hours on XXXX XXXX and do not have much time to check if the terms of a contractual agreement have suddenly been changed. I called Lowe 's credit card company, went to the store several times, I showed all the documentation where 0 % interest was written, yet I was told that they could do nothing to fix this because I had been given a discount. A discount I never asked for. 
Apparently if the customer gets a 5 % discount, it precludes the 0 % interest offer ; I was never informed of this or asked if this is what I wanted. This is a very deceitful practice, very wrong.

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 2019-10-16
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: Information belongs to someone else

Complaint:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any bill or notice. Credit bureau has it on my credit file.

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 2019-10-16
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/26 I was notified by the XXXX XXXX working on my house closing that their was a lien against me. Therefore, the XXXX XXXX paid the lien with my extra from closing costs. 
However, I settled with XXXX XXXX for {$1900.00}. XXXX XXXX relief has made 4 payments to them ( XXXX XXXX ). The XXXX XXXX paid them {$2100.00}, which was more than my settlement. Simple math tells you that you should take the amount of settlement and subtract those 4 payments. Levy LLC says I'm owed nothing. Wont release information to me and wont tell XXXX XXXX XXXX Account is paid in full so XXXX   XXXX XXXX stops paying them. The lien is still not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Every time i receive a XXXX update and try to dispute an item online ; access is denied.

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 2019-10-16
Company: Advanced Portfolio Group LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I actually have two issues, but the site would only let me select one. So along with the repeated phone calls they also used language that was perceived as threatening. This phone number has called me 33 times between XXXX and XXXX which is definitely in line with harassment. Their number comes up as a potential scam number on my phone, so I have not been answering. I finally decided to call back. The agent identified himself, but not the company he worked for and asked for my name. I did not give him my name because my phone has said this is a potential scam caller. After some back and forth he said word for word that " I was screwing myself by not listening to him and this could mess up a lot of things for me ''. I have this whole call recorded. He hung up on me and I called back and explained to the new agent what happened. He removed my number from the call list, but that still doesn't excuse the way the first agent talked to me. His words were very much perceived as a threat.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This started when my bank account was frozen on XX/XX/XXXX. I contacted XXXX XXXX and they told me to call the SUPERIOR COURT OF NEW JERSEY to get more info. They gave me contact info for Pressler and Pressler LLP. After speaking to Pressler and Pressler LLP directly, they informed me of an alleged dept that I owed since XX/XX/XXXX. And not to mention I have never seen this negative item on any credit report I ever had. The amount of alleged dept is {$1200.00} plus an additional {$410.00} in interest and {$100.00} in court cost along with a {$170.00} court officer fee. So the balance of the whole claim is XXXX. I also found out that there was a judgement placed on me without ever knowing that I was being sued. There are countless complaints of this company winning default judgments without ever notifying the consumer of any dept. And lawsuits filed and won in regards to unlawful business practices. If I would have recieved written notification about this matter 17 years ago I definitly would have been in court to present my case that the dept was not mine. I also filed paper work regarding that I was DEFINITELY a Identity Theft victim. So far to this date the company has not reported results from any investigation. This Company is in violation of Section 623 of the Fair Credit Reporting Act. No copies of : *Account applications made on paper, online, or by telephone *Account statements or invoices *Records of payment or charge slips *Delivery adresses associated with the account *Records of phone numbers used to activate or access the account *Signatures on applications and accounts *Investigator Report This company also never sent any correspondence regarding : *Informing business where the account was opened that the dept is the result of ID theft *Stopping collection activities against me *Any records I requested. 
With this current violation I 'm forced to file a complaint with the FEDERAL TRADE COMMISSION. So let this letter be a NOTICE TO FILE COMPLIANT WITH FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have two debts that are over  7 years old . My husband left me in  XXXX  and I stopped paying our credit cards. The divorce was finally completed in  XXXX  where they granted him this debt and it is specifically noted in divorce. He moved to   XXXX  .  <P/> I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off.  <P/> Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them.  <P/> I just received a letter from  XXXX  wanting the balance  XXXX  for something that is in a divorce agreement and was back in  XXXX .  <P/> Also a very ugly company stating they are an attorney,  XXXX   XXXX   XXXX  are trying to get a balance of  XXXX  going back to  XXXX  of  XXXX  which is the last statement they have from capital one. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me.  LOL!  These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Resurgent Capital Services L.P.
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:
I have made several attempts to verify an account in collections by Resurgent Capital Services directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that XXXX is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are a lot of inquiries on my report that I did not authorize those companies to do and I need them removed from my credit report 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 2021-08-20
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 49 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.

Company response to consumer: Closed with explanation