BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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, On XX/XX/XXXX my Debit Card information was stolen. In less than 2 hours a team of thieves used my bank card to steal over {$5400.00} from my account with over 90 online transactions. I called and canceled my card immediately and then reported the claim. I spent 1.5 hours on the phone with the claims department going thru each item and saying whether or not it was fraudulent. She said that it was clearly fraud as a transaction was made almost every single minute ( an impossible feat for just one person ). I did not receive any notification from BOA that these charges were happening. I only knew something was wrong when I received a text message with a code that was requested for the card. I called immediately following to tell them I never requested this code. 

After 7+ days of waiting they told me that part of the charges had been refunded and the new claim was for {$1600.00} and also they were denying that remaining portion of the claim. I am incredulous. They said the reason they denied the claim was that when they normally see that level of activity they usually " drain the bank account '' and that some of the merchants they shopped at ( i.e XXXX or XXXX ) have been used before in my account and therefore must be valid. These are common companies where everyone shops! This money may not seem like a lot but I am a single mother and this is my mortgage payment. 

I've been a dedicated BOA customer for 15 years and have never filed a claim before. Now when I need them the most they are trying to XXXX XXXX  over. I called immediately when I saw the charges, not several days later which could indicate buyers remorse. Some of the charges were international and deliveries to parts of the country where I don't live! It is very clearly fraud and for them to deny my claim is sickening. 

I have re-opened the claim and escalated the review but am very concerned at this point since I can not " prove '' that I didn't make these charges other then what I have previously stated. 

Please 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 monetary relief
Consumer complaint received 2020-05-29
Company: ECMC 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:
EDUCATIONAL CRED MGMT is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that ECMC shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello I have been letting XXXX, Transunion, and XXXX know that my identity was stolen on XX/XX/2023 and that these individuals stole my ID ( drivers license ), as well as my social security number as well. These individuals have been calling to verify account balances and personal information that was also stolen from me and I made all 3 credit bureaus aware. Ive also filed a formal police report and they have done nothing at all in regards to this issue. No one I have been reporting this to has taken this matter serious at all. So I am filing complaints to CFPB to try and get some type of help or resolution or guidance on what to do.

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 2020-12-10
Company: U.S. Auto Credit Corporation
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
There has not been any of the options listed. If this is not where I need to go then please direct me. The company, US Auto Credit has just recieved our lien. It was sold a couple months back. They have been harassing us by calling almost daily. They are instructed to call me and not my husband but they call him daily while he is at work and call me once a week. I have requested 4 separate times for them to cease their calls and they keep saying they have it blocked but we have proof otherwise. We are tired of being harassed. We are up to date on payments, and everything is perfect. When we call back ( because husband usually misses the call since he is at work ) they never seem to know WHY we recieved a call? They all have attitudes and im going to be calling the cops next. I'm out of my depth here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are deleted right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-10
Company: The Receivable Management Services LLC
State: AZ
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:
Been disputing this account threw the XXXX  credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this account.

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: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2019, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The Chase XXXX XXXX XXXX XXXX card promised to provide a credit improvement only upon obtaining this card, several years back. 

I pay annually XXXX $ to maintain membership with this card. The sole purpose is that I am trying to improve my credit score. 

However, the company lied about its intent. It cut my credit line at an inopportune time,, and sneakily, when actually I was trying to make big payments to pay the account. 

I spoke with XXXX and he was very rude in CS. I was  disconnected several times when talking about this issue, as they declined to answer. Mr. XXXX said someone from his managerial side is going to contact me regarding this account, and so far no one called. 

Unfortunately, I also have an account in this bank which made a primary goal to destroy consumer credit. Also, they do not have the correct information regarding my credit history which makes it unlawful to cancel my credit line by substantial amounts. 

Please investigate on their fees and other activities including cancelling or lowering accounts when they wish to review without customer knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with the fair credit reporting act 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2019-10-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted the following Bureaus Equifax and XXXX by phone advising them of unauthorized inquiries on my credit report. They both failed to correct the matter. The inquiries are from a " miscellaneous source '' and they informed me I have to find out about the inquiries and track the companies down. My score are affected by this and in compliance with the FCRA I have a right by law for this matter to be corrected. I'm also interested in speaking with an attorney and moving forward with a lawsuit if this matter can not be resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Ad Astra Recovery Services Inc
State: CA
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:
i sent them a letter requesting validation that they received certified XX/XX/XXXX of 2018. i told them by law they had 30 days to respond in receipt of this letter they signed for certified with validation with a contract bearing my signature. That would prove that i had some kind of contract with them. There first violation was that they sent me a copy of an alleged contracted with a huge " copy '' sign on it. Secondly, i pulled my credit report on the 31th day to see that they didnt comply and that they only updated 2 out of 3 of the bureaus as " disputed ''. This is a clear failure to comply and i have all the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, XXXX, XXXX and TRANSUNION.

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 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have 3 credit cards with Capital One that have ALWAYS been in good standing since they were opened, not one missed payment on any of them ever. All three cards were restricted to where I was not able to use them anymore. When I called them to rectify the issue, they said they closed them to prevent fraud. I asked them what fraud was on the account because I looked over my transaction history and saw no unauthorized charges. 

They said there was no fraudulent activity but they wanted to know if i added the authorized users onto my accounts. I explained that I did and that was legitimate and not fraudulent. They refused to accept that as an answer even after an exhaustive process to prove that I was the account owner. 

They then went on to say they needed ID 's for EVERY authorized user I had added over the course of years. I let them know that they were contract workers that I had hired and I no longer had those documents for them. They then said they would keep the accounts restricted. 

Fast forward to today, XX/XX/2020, and I receive a letter in the mail telling me to call them to resolve the issue or the account would be closed in 45 days. I called them and they said they just needed me to send them my driver 's license to fix the issues. They then sent me a secure link to upload said document. 

I then told them that I had 2 other accounts and would this clear all of them up or just the initial one we were discussing? She asked to place me on hold. They placed me on hold for about half an hour and when she returned, it was the same story that they had  explained to me months ago, that they would close the accounts if i did not send in ID 's for EVERYONE ever on the account. I asked her why she wouldn't have told me that initially rather than have me spend 45 mins total on the phone with them this morning?

Now they are saying they will close these accounts on me. One of these accounts is my oldest card that I own, and because of credit scoring algorithms, this will destroy my hard earned good credit rating that I worked years to establish! It will also lower my available  credit by about {$25000.00} which will also have a huge impact on my credit score. How can a company do this to a consumer who has NEVER missed a payment, has never had any fraud on their account for all the years the account was open? To destroy someone's credit score for no reason during a global pandemic when someone is trying to refinance their house is cruel and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: NPAS, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX - Received a voice mail from NPAS. Said that they were representing XXXX XXXX - XXXX XXXX. Told me to call XXXX XX/XX/XXXX - Call the above number. Spoke with someone named " XXXX. '' She looked up my record and said she didn't see an outstanding debt so no idea why I got a call. She gave me an account number and said she was noting in my record that the account was clear. Also told me to call the " Regional Office '' at XXXX. 

Called the above phone number and talked to " XXXX '' at a XXXX XXXX patient business office. The account number that NPAS gave me was the NPAS account number so XXXX looked up my account by name. She affirmed what I knew to be true -- I don't owe them any money. She made a note in the my file that I called and that my account was clear. 

XX/XX/XXXX - Received another voice mail from NPAS. 

XX/XX/XXXX - Returned the call ; input the account number I was given on XX/XX/XXXX and the other personal identifying info ( birthdate, last 4 of ssn ). Automated system said this account was no longer being serviced by them and that I should call the regional office. Gave me the same XXXX XXXX number I was given on XXXX. 

I feel like I'm in an endless loop.

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 2022-10-26
Company: EQUIFAX, INC.
State: VA
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 am a natural person, I am a human being, I have rights under 15 USC -681 Equifax is governed by 15 USC 1681, and they violated my rights numerous times. 

I demand the accounts listed below be removed because according to USC 16813 I have rights to privacy and I did not give equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Bread Financial Holdings, Inc.
State: FL
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 reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX states that I applied for an account XX/XX/XXXX and it closed in XX/XX/XXXX then reports closed XX/XX/XXXX. I was unaware of having a XXXX account approval and never utilized any account with XXXX. I have disputed this multiple times with the bureaus and the company and they come back with updated information as derogatory from a late payment in XXXX then in XXXX. Its all inaccurate information and I have asked for them to remove the inaccurate information placing me in derogatory status and they state its the bureaus reporting this information in derogatory and vice versa with the bureaus stating it is fingerhut giving them information to report. At this point I need this removed immediately since it is negatively affecting my bureau and scoring and the company has failed to provide any activity on the account to report a late payment to be derogatory. Late payment reports XX/XX/XXXX the same date the account closed according to the reporting. This account is closed per the grantor on their own accord. I dont not wish to ever do business with the company just would like for my bureau to be clear of negative false information. Proof have been provided several times of the derogatory reporting as XX/XX/XXXX states that it is the bureaus reporting and notXX/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 2019-03-09
Company: Experian Information Solutions Inc.
State: MO
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:
After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XXXX 2 ] XXXX XXXX   XXXX 3 ] XXXX XXXX 4 ] XXXX  XXXX 5 ] XXXX XXXX XXXX 6 ] XXXX XXXX XXXX XXXX 7 ]  XXXX  XXXX XXXX 8 ] XXXX XXXX XXXX 9 ] 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 non-monetary relief
Consumer complaint received 2020-05-29
Company: MIDFIRST BANK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage Company is not reporting my oN time Payments, and in fact, is reporting to the credit agencies that my mortgage is in deferment when Ive been making my mortgage payments on time every month.

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 2020-10-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a Banana Republic Visa card issued by Synchrony Bank. In a month of high usage, where I need to buy construction materials and make multiple payments to keep my card balance available, Synchrony bank abruptly terminated my account. 

While I do not contest Synchrony Bank had the right to close my account ; Synchrony bank acted in bad faith as my account was terminated right before the XX/XX/2020 statement was generated ; which in turn would have earned me approximately {$200.00} in reward points. 

My approximately {$200.00} points were forfeited with the account closure. This was a bad faith act. I was also not notified electronically about this action until I checked my online account ; this even though all my statements are electronic.

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