BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I live in Washington State and went to XXXX. XXXX for the weekend with my wife. 
We made a couple of charges on our credit cards. XXXX XXXX  charged a foreign transaction fee and discounted the charge to the US - XXXX rate, which is OK with me. However Bank of America charged a foreign transaction fee and DID NOT discounted the charge to the US - XXXX rate. 

This is like double dipping to me. The discounted rate at the time was 30 % to 24 % depending on who you are dealing with. ( XXXX XXXX was 24 % ) With an exchange rate of 24 % Bank of America is making an additional {$200.00} plus the foreign transaction fee of an additional {$26.00}. 

These charges are unacceptable and unfair to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: MD
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 submitted my letter on XX/XX/2020 and today is XX/XX/XXXX, its been 32 days per the Fair Credit Reporting Act, you have 30 days to validate the inaccurate debts or remove these accounts. Please remove these accounts immediately. 

I have included a copy of the letter that I mailed to you certified on XX/XX/2020.

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 2020-12-09
Company: Avid Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company in question is AVID Acceptance out of Utah/ We are not struggling per say but we pay a few days late, not 30 days late as of yet and for the last three years we have this loan. The loan itself is and has been a predatory loan on which we were charged excesive fees from the dealer but more importasntly we are, we were and we will be charged over 18 % interest rate. The balance does not go down at all. At the time we needed the vehicle and we agreed to the terms. It is still predatory because our credit history was small. Everything was paid on time but there was not a lor of trade lines. To the day these insipid people call us everyday and sometimes twice a day. My wife get interrupted at work and it's simply harrasment that I am going to stop at any cost. 
Last week we hit the bottom when they offered a " deal '' to my wife to postpone the payment for XXXX until the end of the loan so we could have a breather for this month in the midst of a pandemic and with XXXX upon us. After the disgusting loan clerk/collector got the document signed by my wife, they said we neded to still pay XXXX yesterday. That did not make sense other thatn this company continue to steal our money in fees and scams/ Bait and switch kind of procedure. 
We cancelled the " deal '' and paid XXXX. At this point if possible I want to report this company for harrasment, deceptive practises, predatory lending and whatever else applies. They are a firm that I will never recommend to anybody else and would like to take them to court. Please notify me of any action I can take in your behalf.

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 2020-10-26
Company: BBVA FINANCIAL CORPORATION
State: KS
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 customer service

Complaint:
BBVA continues to harass me about the credit card I have with them with threatening letters of delinquency when I have not had a late payment in the last 9 months. As I pay the card they continue to lower my credit limit claiming delinquency which is negatively impacting my credit. They continue to lower the limit to my balance to poorly reflect 100 % use of credit when I have been paying on time and my credit score is above their guidelines. They are purposely trying to bully certain clients. I feel they are targeting me since I have brought these issues up in the past. Monthly payments have been made on time via their online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly a collection in the amount of {$2700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX. Both my wife and I were treated with participating providers with XXXX XXXX XXXX  We met all of our deductibles and maximum out-of-pocket on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX   insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX  as well as the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I submitted a payment to XXXX XXXX in the amount of {$460.00}, which is the required monthly amount, from my XXXX XXXX XXXX XXXX. I submitted this payment, despite the fact that my XXXX payment had not posted, and would not post until XX/XX/2018. The payment for XXXX would be due on XX/XX/2018. This payment was made 5 weeks before the due date. I was informed when I contacted XXXX throughout the month of XXXX, and most recently on XX/XX/2018, that the following was the series of events. I was informed by XXXX agents that XXXX, after receiving the payment request, contacted XXXX XXXX to inquire as to whether I had an account with them, as per their normal procedure. This request for confirmation was received by XXXX XXXX on XX/XX/2018. As per XXXX XXXX 's internal policies, this request for confirmation was to be responded to within 7-10 business days. I was informed when I contacted XXXX at the end of XXXX, that this confirmation had not been returned to XXXX by XXXX until approximately XX/XX/2018, which was eleven days after it was initially received. Due to this failure on XXXX 's part, the payment was not submitted in time by XXXX to cover my XXXX payment. On XX/XX/2018, I contacted XXXX XXXX and was informed that the payment had been received, and that I would not need to make any additional payments. I was assured that once the payment had been processed, it would be applied to my account, retroactively, to XX/XX/2018. Today, XX/XX/2018, I received correspondence stating that no payment had been received, but that some payment had been applied to XXXX. 

While trying to deal with this issue, I did make an additional payment for XXXX on XX/XX/2018, in the hope that it would be processed before my payment due date on XX/XX/2018. Given the contradictory information XXXX has provided, I am demanding that the two payments I have made, dated XX/XX/2018, be applied to XXXX, and that the payment I authorized on XX/XX/2018, be applied to XXXX. This is not a new issue, as evidence by my previous complaints. I demand that these payments be made, and applied to my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2020-05-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
While in the process of a refinance, it was brought to my attention of a purported debt owed to Nissan Motor Acceptance Corp. from 2015 which appeared on my credit report stemming from the end of a lease. At no point was I ever advised of this debt or brought to my attention to resolve it. This is because the debt was completely false. 

XXXX XXXX  ( my refinance company ) connected me with XXXX XXXX who called Nissan with me to figure out why it was there. During the call, they refused to remove the debt and insisted I owed it. To say they were rude would be an understatement. 

While on the call being accused of owing something I did not, I located the attached letter proving that my account balance is XXXX. I asked him if I can send it to him and he said fax only and they would try to get it resolved in 10-15 days. Since my closing is within that time period, I asked him to move faster and he refused. Instead he told be to call XXXX XXXX XXXX - which I did - who actually confirmed to me that they are showing that no such debt exists. 

While I am also faxing this proof to Nissan, their attitude and disregard for consumers who pay their bills in full is unacceptable and should not tolerated. I am reporting this as others should not have to deal with credit reporting issues which should otherwise not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is long but explains everything This company isn't following the law ( National Credit Systems Inc ) I got illegally evicted from my apartments of 6 years in XXXX of XXXX I knew it was illegal because the management company that is now fired never put it through courts she typed it out and left it at my door and then tried to say " We can talk about it '' and even extended time for me. I moved out with a good reference from the assistance manager still have the letter that says I always paid rent on time and kept my place clean. I moved out of state and the manager who gave me a fake eviction tried to blackmail me for my sister 's address which when I told her I knew what she was doing she stopped all contact and was removed by the owners. Well 3 years later I check my credit report and I see a debt of {$140.00} from the apartment place I never knew about it no one tried to contact me via mail, phone or email. and Indiana tenant law they have 45 days to let me know of charges and what they are for and they didn't do it. So it got sent to National Credit Systems Inc. I called them but when I tried to tell them what happened everyone talked over me and hung up one lady saying " You're going to listen to me! '' No one actually spoke to me like a human until I told them I was recording on my end for my legal safety which I was transferred to customer service but once I told her I was recording as well the lady told me she was on the phone with someone else put me on hold and never came back it went to voicemail. They will not let me explain anything to dispute it or even ask if I can get a copy to see for myself. I'm on a list for an apartment in a safe area for my family and don't want this on my credit please help me. I even tried their website to look up my information and when I clicked to view it my file was blank like it didn't exist and their payment option is completely broken leaving clients no choice to be stuck with this on their file. Also if you look them up there are hundreds of complaints like mine of them doing people wrong. Not providing payment proof and refusing to send any letters about their supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item on XXXX that arrived DOA or dead on arrival, it was simply defective, didn't work. I filed a claim through XXXX. But, because of misinformation I was given, I closed the claim thinking I could reopen it on a later date. However, when I contacted XXXX to reinstate my claim, I was informed that the " system '' would not allow it as I had been led to believe by one of their representatives. XXXX apologized and told me that I was still able to proceed with a claim through my bank. As instructed, on XX/XX/2018 I filed a claim ( Num. XXXX ) regarding the mentioned transaction with my bank. However, I found out today that in XXXX, my bank had sent me a letter informing me that my claim had been closed. The bank closed the claim founded on the fact that I had not provided proof that I returned the merchandise. Nonetheless, since the day I filed my claim, I informed the bank that, under the circumstances, and according to strict and completely clear XXXX policy, the seller was obligated to send me a prepaid shipping label if he wanted the merchandised returned. I explained to my bank that it could not interfere with my sales contract. I stressed that I had taken all the possible measures to inform the merchant of his obligation to supply the mentioned label and he chose not to fulfill said obligation. I also stressed to the bank that any interference or changes insisted upon concerning the terms and conditions of the sale, was unlawful. Specifically, I explained to the bank that they are a third party to my transaction and that obligating me to cover the cost of the return shipping and therefore, relieving the seller of his responsibility, constitutes an infringement of the contract which the seller and I voluntarily entered with regards to the sales terms and conditions governing transactions entered through XXXX. In sum, the bank 's pressure to force me to act contrary to my contract is an extra-limitation on their part. They are not a party in this transaction, period. The bank just served to facilitate a payment. Now, under the circumstances described, I am instructing the bank to reverse the payment. As I have said, the bank is unlawfully interfering in my transaction, insisting on adding further terms to the sales contract in order to fulfill their obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: DISCOVER BANK
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against Discover Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my XXXX credit report, and perhaps XXXX/XXXX and/or XXXX  and/or other credit reporting agencies. In short, XXXX XXXX has already done the right and legal thing by deleting these age-old accounts, and Discover and XXXX XXXX need to do so as well and immediately ... as does XXXX and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now Discover, XXXX, and, most important, XXXX, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with Discover or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau XXXX Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2020-10-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You XXXX  are playing hardball and stalling. Keep it up and we will be in court! That's a promise, not a threat! I have full rights to take you to court for violation of my rights per FCRA. 

i continually contact you crooked credit bureaus about inaccurate, unverifiable information that's being reported and you refuse to properly investigate or verify the items in question. 

XXXX  XXXX XXXX is reporting 3 different dates last active, different last payment dates, different payment history etc.THIS IS ILLEGAL!! All information has to be accurate, verifiable and complete according to the FCRA. 

XXXX XXXX XXXX is reporting a past due amount on a collection which is in violation of the FDCPA! 

remove these accounts NOW!

Company response to consumer: Closed with explanation