BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a promotional offer from Bank of America in the mail. This offer promised $XXXX after satisfying the following conditions:1. Open a new Bank of America Advantage Banking account by XX/XX/2019 using the unique offer code (XXXX)2. Within 90 days of account opening, set up and receive qualifying direct deposits totaling $XXXX  or more into your new personal checking account.3. Once completed, the $XXXX  bonus will be deposited into my account within 60 days.I opened the checking account online on XX/XX/2019 using the unique offer code during the process. I had a direct deposit of $XXXX from my work payroll hit the account on XX/XX/2019, which is well within the 90-day time frame.I expected the bonus to post within a few weeks after XX/XX/2019, but it did not post. I contacted Bank of America support via XXXX on XX/XX/2019. I spoke with XXXX, who informed me the bonus should post but to wait the full 60-days after the qualifying direct deposit.Over the next few weeks, the bonus still did not post. I contacted Bank of America support via XXXX   again on XX/XX/2019. I spoke with XXXX, who verified with the Promotions Team that I was in fact targeted for the promotion and that a $XXXX qualifying direct deposit did post to my account on XX/XX/2019, which was within the 90-day window. He notified me that my concern would be forwarded to the Promotion Team and I should expect to hear back from them within approximately one month and that I would likely receive a check in the mail for the $XXXX.I received no further communication from Bank of America and never received a check in the mail. I again contacted Bank of America support via XXXX on XX/XX/2019. I spoke with XXXX, who was unable to give me a reasonable answer as to why the process was taking so long and why I had not received the bonus. He asked me to wait a bit longer for the Promotions Team to investigate the issue.I am not satisfied with support received thus far. The bonus should have posted a long time ago. The process does not need to be so complicated and require so much of my time.

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 2022-07-14
Company: Alum Financial, LLC
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Alum Financial scams people with student loans by representing they provide services that will result in either loan forgiveness or forbearance. I have a loan with XXXX that was suspended during the Covid pandemic. Somehow Alum Financial started charging me a monthly without my knowledge. The company either fraudulently obtained my loan information or misrepresented who they were. In no case did I hire them knowing who they were or what they did. The company was the subject of federal class action suit for these practices. I plan to participate in the class action suit or undertake a small claims court case here in Oregon. The company scammed me out of {$1300.00} over a 9 month period. All one has to do is XXXX their name to find numerous complaints similar to mine. I found no one who believed this company acted in good faith. My XXXX is in XXXX XXXX and I can attest to the fact that this company exists for the sole purpose of preying on students with loans they either can't afford to pay or simply want financial relief. In my case the company did not pay XXXX cent toward my loan and did absolutely nothing to earn the money they extracted from me. - XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan with Bank of America, and have been making all payments on time using their in house auto-payment system. I recently opened a new business checking account with them in XX/XX/2021, and ran into an internal technical issue where the new account essentially booted my other bank off of my auto loan causing my auto payment to not go through. After seeing a late fee in XXXX I immediately called in to which I reached an executive leader who informed me of the backend issue and assured me the fee would be waived as it was internal, and helped get the issue resolved. 
Coming up to XXXX, they simply moved the fee from XXXX to XXXX payment instead of waiving it. To avoid another fee, I paid the amount with the fee and called in to discuss the issue multiple times, and on 3 seperate occassions was told it would reflect on my next cycle. The next cycle still does not reflect any refund, and Anytime I call back in, I speak to supervisors who place me on indefinite holds and disconnect my calls. 

XXXX XXXX Escalations manager- XXXX Florida placed on 25 min indefinite silence.XXXX XXXX CST. 

XXXX XXXX senior escalations manager- XXXX Florida- refused to send documentation The company seems to be claiming they are waiving these fees, then simply collecting them on the back end.

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 2023-04-26
Company: EQUIFAX, INC.
State: GA
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 writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  secured card account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXXt # XXXX XXXX  XXXX XXXX XXXX XXXXt # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : IT also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account/company name is XXXX/XXXX which is being reported on my Equifax credit report with a {$0.00} balance. 

Creditor Information : XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( XXXX )  XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account previously reported with a remaining balance. Upon my contacts, the information has been changed and it is now reporting a XXXX  ( {$0.00} ) balance with the following statement : " You've paid off 100 % of the original amount. '' However, underneath the Payment History it is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

I have also contacted the creditor in which I have received no form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$560.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau , and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State , or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2018-04-13
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:
XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.

INACCURATE : 1. XXXX, 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX  XXXX   EQUIFAX XXXX  PLEASE REMOVE THE ERRORED ADDRESSES THAT ARE ON MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company is taking 23 % of my paycheck. It is a high-interest loan company. I only make about {$1100.00} every two weeks and now I am only bringing him about eight hundred and can not pay my rent and take care of my family. This started on XX/XX/2018. They would not listen to me when I told them my wife has lost her job and put the past due amount on the back burner instead they added more interest.

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 2023-04-26
Company: Thaxton Investment Corporation
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX XXXX XXXX - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX + {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent Equifax a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because Equifax sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of Equifax removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX NC XXXX. The addresses that follow do not belong to me XXXX XXXX CT, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Resurgent Capital Services L.P.
State: PA
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 was originally XXXX XXXX account that was deleted XX/XX/2017 and was sold to this computer. I was never notified about account being sold to collection agencies when the originally creditor removed the accounts.

XXXX XXXX XXXX XXXX Account is reporting late payments but I was never late or either in school, which the loan officers was contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
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 ordered a credit report ( see attached document ) from XXXX on XX/XX/XXXX ( # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by Pentagon Federal Credit Union ( PCFU ). These PFCU accounts had been included in a bankruptcy which was successfully discharged in XXXX of XXXX and these two PFCU accounts were scheduled to be deleted from all of my credit reports ( XXXX XXXX XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called XXXX on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from XXXX, the XXXX customer assistant told me that PFCU account XXXX was deleted but that PFCU account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. XXXX   told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - XXXX dispute # XXXX. 

If you see my past history of disputes, you can note that PFCU has done everything that it can to keep incorrect credit history on my credit reports. PFCU is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all PFCU accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.

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