BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Their investigation did not fix an error on your report

Complaint:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : 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 2018-11-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I went through a rather opaque process of trying to increase my spending power for my American Express card for a family trip I am planning in XX/XX/2018. The online chat agent was very helpful and told me to call the Account Services phone number. When I called them, the agent there was very friendly as well but gave no specific reasons as to why they couldn't increase the limit. He mentioned that it will increase from time to time, but it's been 18 months of good standing and I still don't have any more clarity into actionable reasons as to why they can't increase the limit. It's forced me to pay intramonth, which is more an inconvenience than anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
i bought used car and car financing center in XXXX said come back in 6 months to refinance if i made my payments on time. when i did, he kept putting me off and then offered me to buy a bigger car. when i did, it broke down ( I now believe that he stopped the car because he did not like the deal ). he gave me my other car back ( I thought while the other car was being fixed ) and would not give me back the bigger car. then the first car that i bought broke down. he took it from the shop i left it at and repaired it without my permission. i reported this to XXXX. there is a starter stopper and GPS in my car that i did not know about or consent to. but yet credit acceptance corporation sent me a copy when i asked for one that is a declaration acknowledging electronic signature that i never saw or signed. my name is forged! the finance company has no problem with this dealer selling cars that are about to break down and then use the warranty to fix the cars instead of fixing the cars first. the dealer did not give a copy of the warranty either. the dealer had me " buy here, pay here '' and paid my payment late when i asked about refinancing. i asked finance company why they take the payments from the dealer. they said that they did not know who wired the payment. the dealer also keeps a key of the car. i am afraid that the car will not make it to the end of my loan and warranty is up soon. i do not know what else they forged my name on! help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had opened an XXXX XXXX  and experienced fraud. I went though the process of doing claims and and the identity verifications for the XXXX. I was given direction to submit claims to Bank of America. A year later I still not have received my funds I am owed from XX/XX/XXXX - XX/XX/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 monetary relief
Consumer complaint received 2021-09-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency, MBA Law ( Mitchell D Bluhm and Associates ) have a notorious history of trying to collect false collections. I first received a notice for a medical collection on my XXXX, that dropped my score 55 points for a supposed collection for {$300.00}. I contacted the agency and ask for proof of the debt I owe and an itemized receipt with medical coding, they were not able to do so. They said they would have to contact the XXXX for this information, and should have it 30 days later. Never received anything. I contacted the hospitals billing department and they have no record of selling anything to this collection agency. They actually gave me a copy of all my visits and amounts owed from all my visits. I then decided to dispute on XXXX and the account was eventually disputed and deleted. Today, this same account showed up on my XXXX for the SAME date and amount. 

According to the XXXX, this company has a notorious history of trying to collect non-existent past due balances from people. This agency is ruining peoples credit history, fraudulently. They never contact you to make you aware of this collection and just shows up on your credit history. Something needs to be done about this fraud agency, and they need to be taken to court as they have violated FDCPA many times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018, I applied for the Amex Everyday Credit Card online on americanexpress.com. Prior to applying i reviewed the offer online along with it its terms, conditions and limitations. The promotional offer for new members on purchases and balance transfers was 0 % apr for 15 months with 0 % balance transfer transaction fee. This was a good offer since I wanted to do a balance transfer of {$15000.00}. I applied and was approved for the card with a credit limit of {$25000.00}. 

I called in to take advantage of the Balance transfer offer. I was then told by a representative that there is a limit on the balance transfer of the lesser of {$7500.00} or approved credit limit. In this case it was {$7500.00}. This information was not disclosed anywhere nor can it be found on card members agreement prior to applying. In this case is {$25000.00}. I demanded to speak to a manager. I read to the Manager the terms & conditions along with card members agreement in writing stated that balance transfers maximum is upto your credit limit. The manager stated, " You can only find this information after you have applied ''. This is false advertising and extremely misleading. They purposely left out information. If I had known this information I would not have applied for this card and take a credit inquiry. I would have taken my business to another financial institution. 

When I received the card, i noticed that it stated that the " Promotions 0 % APR '' is only for 12 months. This is not what I applied for. I called and the representative stated that I knew this information when I was applying for the card. I have the Rates, fees along with the terms of conditions on the date I applied for the card that specifies 15 months 0 % Intro APR. They could not resolve this. American Express is offers this introductory APR of 0 % for 15 months standard for this card. They could not admit that their system had an error. I have documents to prove they have advertised falsely and misled me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18I called to have my cards replaced. I provided my new address, but the rep failed to take note of my apartment number. Which caused my cards to be returned and my account to be frozen per their policy. I was supposed to be paid today. But since they froze my account over their error, my direct deposit bounced. I called before this on the XX/XX/XXXXasking where my cards were and so they resent another card via XXXX XXXX. I thought I was fine until this happens yesterday. I don’t understand why they must freeze an account instead of blocking any cards that are still active. Now since I was out of work for almost two months I’m behind 30 days on my rent. I was contracted to pay today if not I would be evicted. Now I’m facing eviction bc of their stupid error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Member since XXXX Last signed on XX/XX/XXXX EST Visa Signature Cashrewards -  XXXX PRINT EDIT ACCOUNTS | Current Balance {$4700.00} Pending Transactions {$0.00} Minimum Payment Due Due XX/XX/XXXX PAY {$88.00} This complaint involves the Navy Federal Credit Union and the interest rate they are charging for a card they closed. NFCU has repeatedly refused to tell me what interest rate they are charging me. They closed the account and have highjacked the % rate. I have requested the information several times through there online message portal and each time the question has been submitted, they have taken it down without answering the question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I was made aware that my account was close with Suntrust by contacting Suntrust. They stated that my account was close due to a fraudulent deposit. I didnt not touch any funds from the deposit and the the deposit never cleared my account. My account was closed with {$1700.00} left in my account. Ive been trying to call them since then and they have been saying that they can not give me any information of the phone and that a letter will be mailed to me. Im trying to get my money that was left in my account. I called the automatic hotline to the account and it state that i had a transaction posted as a legal order debit. I dont even know what this means consider the fact that I dont owe anyone and no one has every taken legal action against me. 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 explanation
Consumer complaint received 2021-09-18
Company: MS 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:
MS SERVICES IS REPORTING INCORRECT INFORMATION... IVE NEVER RECEIVED ANY BILLS FOR THIS OR NOTIFICATION. THIS INFORMATION WAS DELETED FROM MY OTHER CREDIT REPORTS AND I WANT IT REMOVED FROM MY XXXX REPORT!!! IVE TRIED SEVERAL TIMES NOW DISPUTING IT WITH PROOF AND STILL WON'T REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: TN
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:
I have tried multiple times to dispute the incorrect information about XXXX XXXX XXXX credit card. The credit file reports this account as closed when it is OPEN and active. I have submitted a dozen disputes, and every time it tells me it has been updated but it still says closed. It is NOT closed it IS OPEN. I have reported this to the credit bureaus as well as to XXXX  XXXX itself. This account does not reflect on my credit score because the total is not included with my balance. So when I pay the balance down, none of my credit shows it has opened up. This item is OPEN and should be reflected as OPEN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
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: Information belongs to someone else

Complaint:
Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX 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 2020-04-26
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had fraud on my account and closed it months ago. Now there is a negative balance because of overdrawn funds and no reason for it. I filed a previous complaint and spoke to a manager about closing my account. They said it was closed. If it is closed, how are bad checks still being written against this account and why is there a negative balance? Why can't Citi Bank just do what they said they would do? Their management is terrible, and their customer service is like talking to a box.

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