BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and got approved for BOA Travel Rewards credit card back in last XXXX upon the representative 's recommendation and he assisted me in branch for that process. I was told that I will get the bonus credit ( XXXX points ) for the Travel Rewards Card which mentioned will be added within few weeks after my required spending is sufficed. 

After few months later, I noticed that I still have not received the bonus points and reached out to the same rep ( XXXX XXXX in XXXX ) but the only answer I got was he is no longer at the branch. 

Then I also contacted customer service but they only told me that they will review the case and will let you know by mail. And the letter that I got was saying that I won't be rewarded with those credits since I was not under promotion. 

I am quite upset and frustrated about this event and feel like I got scammed by the representative / BOA. 

Complaints were completely ignored by BankofAmerica after many, many attempts - calls, emails - over the span of 12+ months. 

I hope CFPB can help resolving this issue, thank you.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and TransUnion did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit report.

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 2023-07-03
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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/ XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: NV
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 is reporting an account that is not mine to the credit bureaus, and is in violation to the FCRA and FTC ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: OH
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:
On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Experian to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Experian maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Experian. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Experian about. I'm confused, how can Experian say they've verified information with XXXX that is not at all on XXXX to begin with? I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.

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 2023-12-05
Company: Aldous & Associates, PLLC
State: WI
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 filed my first complaint in XXXX, ref # XXXX Since than I no longer received letters from that collection agency, but now a collection company is sending me threatening letters. 

this is XXXX statement from previous. 

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I signed up for XXXX month XXXX membership to XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX. Winter special they offered. I suspended membership in XX/XX/XXXX. They confirmed they have record of this. I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. I called the location to complain about this and they said I renewed but I signed nothing. I just got a debt collection letter from XXXX XXXX XXXX saying I now owe {$190.00}?? I responded to the letter by email stating all of the above. I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! This is a scam. I did not sign up for any on going membership. 

I sent another formal letter on XX/XX/XXXX that will attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: COMMERCE BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been a Commerce Bank customer since XXXX and have always honored my payments and made sure I was using my credit responsibly. 
As I returned to The US on XX/XX/XXXX from traveling abroad, Commerce Bank reported my account as delinquent for missing a single payment to cover my statement from XX/XX/XXXX. They argued that my payment was 34 days late. By failing to contact me first or call the number on file, they simply automated the reported of my account as delinquent, thus making my credit dip XXXX points below. While they argue they sent a mail to my address, I did NOT receive anything and they did not make any effort to call me ( my phone was working, yet they did not make the effort to contact me to make the payment as I always do ). 
I am not a new customer and have a good history of making payments. In this instance, Commerce Bank chose to handle this situation unethically and without any consideration for my rights as a consumer. 
Reporting my account as " delinquent '' without any prior communication was an institutional mistake, and I want Commerce Bank to remove it from my credit report. 

- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.

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 2023-12-05
Company: V and H Portfolio
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company called XXXX XXXX XXXX reported a loan that I NEVER took out. They have 0 proof of me taking out the loan and on top of that, they have multiple reviews from other people reporting the same thing. This site needs to be shut down. They are stealing from people and selling loans to debt collectors that people never took out. I never got any money from XXXX. I never signed any documents with them. I never took out a loan with XXXX. The company sold this loan to a debt collector named Vance & Huffman. This is affecting my credit as it showed up on my credit report in collections. I NEVER took out this loan. I don't have dates and times because I never worked with XXXX  but Vance & Huffman who bought the debt from XXXX  and should also get in trouble for not reviewing XXXX  before buying this debt ( especially with so many similar complaints out there about XXXX  ), they list XX/XX/XXXX  as when this hit collections on my credit report. The amount they say I owe is {$4100.00}. I need this removed from collections but the credit bureau is not being thorough with their dispute investigations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a check in the mail issued by Bank of America in the amount of XXXX The letter accompanying the check stated that you will find a check from your Bank of America prepaid card account. I do not have a Bank of America account. I do not have a prepaid card with Bank of America. I did not cash the check because I believe this to be a scam. I checked my credit report and there is no suspicious activity. I tried to report this to the Bank of America fraud division but I could not get through their customer service line to make any kind of report because I dont bank with them. I want to report this check as fraud because I believe it will cause harm to others.

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 2023-07-03
Company: EQUIFAX, INC.
State: NC
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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Within the past two years, I have received collection notices from several companies representing a debt with XXXX. I have disputed with all of the companies and now they have, once again, placed the account with another collection company by the name of AFNI. The XXXX collection efforts violates the FDCPA federal debt collection practices act as they are stating that this debt needs to be paid or threatening legal action if I don't. I have not had any dealings with XXXX or its subsidiaries in over 13 years. These debts, if any, are time-barred. Additionally, they continue to harass me to make payment by phone and mail multiple times. Furthermore, they are also in violation of FCRA laws as they are inaccurately reporting this debit on my credit which has caused a negative impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
WHATS NEW ... .I just talked to XXXX XXXX about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my Experian Credit Report. I talked to XXXX they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how XXXX XXXX   ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots

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 2021-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OnXX/XX/XXXX I ordered a copy of my credit report & seen a WALMART CREDIT CARD/CAPITAL ONE BANK/XXXX XXXX on my account from XX/XX/XXXX in the amount of XXXX $ I have no clue how this account was created in my name. The debt was placed in collections the number attached is XXXX. The collection was opened on XX/XX/XXXX. IN XX/XX/XXXX I PLACED A FRAUD ALERT ON MY REPORT WITH THE 3 CREDIT AGENCIES. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY REPORT ASAP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Oportune called my job, asking for information about me. 
They are constantly calling my supervisor They call very frequently, when im at work I called them and the lady said that i have to go to court, at a certain time to get the problem fixed. I told her for that i need writen proof, but she incisted. And said they were gona keep calling, even when i told them i was planing to pay and gave them information about my debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company have never contacted me through written correspondence. They have place 2 accounts on my credit report regarding a debt that I do not owe. I was never provided any details as to the medical provider and ant dates of treatment. My credit report shows that the accounts were acquired in XX/XX/2012. I have disputed these accounts with all 3 credit bureau and had the accounts removed. Recently the accounts were sold to another creditor and was placed back on my XXXX credit report. When I tried disputing the false dept again, it came back as verified. I believe the creditors are partaking in fraudulent activities. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost. 

Also, both accounts show the same exact account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently charged an item for {$21.00} When the statement arrived it was paid in a timely manner. inadvertently the payment made was {$.00} short at {$21.00}. there were no additional charges were made during the next billing cycle.The next statement received showed a late fee of {$21.00} plus {$1.00} of interest plus the {$.00} short payment from the previous month for a total of {$22.00}. Ultimately a credit was issued after much debate and my request for a waiver which was granted for {$15.00} My concern is that for a balance of {$.00}, the company could charge me what amounts to in excess of 100 %. is legal? 
The company in question was XXXX XXXX  XXXX in Florida XXXX #... XXXX Is this much fee and interest legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is for XXXX XXXX XXXX First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to XXXX, was hospitalized and as a result, I missed one payment. 

According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions during XXXX however there were XXXX hours wait on the phone which would end up by call dropped or disconnected. and recently I contacted them again and their answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.

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