BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was robbed in XXXX XXXX for my cards and banking information from room XXXX and it was in the vault on XX/XX/XXXX My ID and my Bank Account Statements were stolen. 

I was asked by Bank of America to send in a video from the robbery since it was inside the elevator BUT XXXX XXXX Refuses to release the video. 

Im missing XXXX that was wired out of my Unemployment prepaid account XXXX so I opened a Real Bank of America ending in XXXX also someone opened a a account ending XXXX I was deposited XXXX on XX/XX/XXXX by IRS and someone illegally wired money out my account and the bank won't reimburse me without the video from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NV
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  XXXX : # XXXX, Original creditor : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX . XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IN
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 have been writing to this company for the past several months and although I have asked on numerous occasions to remove inaccurate information and let them know I do not consent to having my information shared as well as tried to dispute items that are inaccurate/not correct they are still showing up on my report. They have had several data breaches and I have put in claims for those breaches as well. I do not want my information showing up on these reports without my consent and I have NOT consented to anything. I would like any accounts that are showing up to be removed I am opting out of it all.

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 2023-04-25
Company: Rocket Mortgage, LLC
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: Account information incorrect

Complaint:
I have complained and disputed these charges multiple times and I will continue to as long as they remain in my credit. This company lied from the beginning to get my business then reported over {$1400.00} late for XXXX that they failed to discuss with me first because I couldve very easily handled it. Now they are ruining my credit by continuing to report late payments. I requested to lower payments for a few moths before I got behind in payments to avoid getting behind and they allowed me to only to report that I am late on my credit and continue to damage my credit. Everybody complains about this companies disgusting behavior and nothing is being done about it. This needs to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX 15 U.S C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the

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 2021-12-13
Company: Volvo Car Financial Services U.S., LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I recently traded in my leased XXXX XXXX XXXX early in exchange for a new XXXX XXXX XXXX vehicle for lease. About 1 month after returning the XXXX vehicle, I received an invoice for the amount of {$100.00} for " excessive wear and tear '' for a scratched rim. I contacted Volvo Car Financial Services explaining that I had purchased the premium tire and rim protection plan for this vehicle so that warranty would pay the amount for the rim scratch. I did state that they had no proof of my doing this damage to the car as I turned it in to the dealership upon taking ownership of my new vehicle. Volvo Car Financial Services said to please fax them a copy of the policy, which I did, and they are stating that this warranty does not cover " excessive wear and tear. '' I explained that they should not code this as " excessive wear and tear '' but as a scratched rim. They would not waive the fee, and as a valuable three-time leasee, I feel their customer service is abhorrent and unprofessional. The representative said, after calling me Ma'am several times when I corrected him to say it was " Sir, '' they would turn me into a collection 's agency, and I stated I would contact the XXXX XXXX XXXX XXXX AL as well as the three major credit bureau agencies and state that the car is now out of my possession and am in a new vehicle, responsible for the new vehicle, not the old vehicle. After the XXXX  contacted Volvo Car Financial, Volvo stated they would reduce the amount to {$84.00}. This is unacceptable and completely unnecessary to treat a loyal customer this way. The warranty was paid for and if there is a scratch, the warranty I paid for will cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CL Holdings LLC
State: TX
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:
A fraudulent loan of {$15000.00} of a opened account from XX/XX/2023 from XXXX is showing up. There is no knowledge of this account and was never authorized. I never had any relationship with XXXXXXXX XXXX  nor has a loan ever been authorized with this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES AND ADDRESSES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUDULENT INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT ADDRESSES XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX AV XXXX, NY 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 2023-02-24
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$4100.00}

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-13
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied the loan on XX/XX/XXXX XXXX improvement loan and web site indicated two business days loan will process. 
I called today XXXX XX/XX/2021 XXXX XXXX answered my called XXXX and he provided bad customer service and he keep asking lot of documentations. I provided what they needed and he still make me upset not give any positive feedback. 
I felt I have been discrimination .I asked him to transfer this call to his supervisor ( Name called XXXX  ) and he also very unprofessional answered my call. 
They collect all my information and not given positive feedback.

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 2021-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have this BoA debit card since XX/XX/XXXX I think it s alredy been 10 years! And I get a letter from them XX/XX/XXXX they said my bank will be closed, I dont know why, I try to call them ask why, they said they cant tell me Please help 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 explanation
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Bank of America on XXXX/XXXX/2017 to advised them that I never had an account with them and for them to please provide proof of the complete payment history, the original contract that I sighned. What type of account, where the account was opened and my signature. I received a correspondence from XXXX XXXX XXXX XXXX XXXX on the behalf of B of A dated XXXX/XXXX/17 which was a print of from billing statements which did not provide me with any proof that I opened account. I then contacted B of A at XXXX spoke with a representative who advised me that the account was old and she was not able to provide me with the document I requested. I advised representative that if you ca n't provide documentation it need to be removed. Rep then advised no it is mine and it will not be removed. I them wrote another letter and send to the three agencies explained the above and submitted the billing statements that XXXX provided and they all updated my file stating it was accurate and updated.
I would like this deragarory item removed from my credit file. I can be reach at XXXX or XXXX.
You assistance is needed it 'd been 3 months and numerous letters and calls made with no resolution.
Sincerely XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a complaint with the federal government regarding identity theft that was related to this debt collector. I filed disputes with credit bureaus as well. 

I met with a lawyer representing this firm in XX/XX/XXXX as I had filed a motion to have this judgment set aside, and I followed up with a request to have the garnishment reversed. 

Despite my actions, the debt collection agency continued on and at one point stated I still owed them more funds. As of this date XX/XX/XXXX the credit insists I still owe them {$180.00} despite having over {$1000.00} garnished for my pay for a debt that was not mine nor did I authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2023, received letter from Aargon Agency for a past due debt for XXXX XXXX of {$32.00}. 
On XX/XX/2023, responded via written letter asking for XXXX XXXX Billing reflecting a balance due of {$32.00}. I noted that I never received any past due invoices from XXXX XXXX since my last payment dated XX/XX/2023 and included a copy of the cleared check. 
On XX/XX/2023 received response from Aargon Agency with a XXXX XXXX ledger. 
I asked for the XXXX XXXX billing and expected a copy of the actual billing invoice of XXXX XXXX. 
On XX/XX/2023, called XXXX XXXX directly and spoke with XXXX in customer care. She is to provide copy of the XXXX XXXX bill reflecting the past due amount. I also requested that debt collection stop as i never received any communication from XXXX XXXX in XXXX or XXXX or even after the last payment done on XX/XX/2023. 
Please note : The collection letter dated XX/XX/2023 is unsigned and at the bottom it notates " Original Creditor '' as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Hi XXXX. 
A XXXX search of XXXX XXXX XXXX XXXX describes a retail apparel store, why would this be on the collection letter? 
Is this a collection scam? Thus the added need to request a copy of the XXXX XXXX billing NOT a ledger that can easily be made up.

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 2023-07-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously contacted the company Equifax to let them know that I have never had any dealings with XXXX XXXX. Then I received a letter saying upon investigation that the account belong to me, which is not true. I do not know what kind of investigation they did but whatever they did, they didnt do it deep enough, because this is not my account XXXX with a balance of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have a small business with Bank of America ( BOA ) account for over 5 years, also had a business credit card with BOA during that time. Realizing that on that credit card I was not receiving any type of cash back or other rewards, in XX/XX/2019 I went to the BOA at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The BOA associate there advised me that in order to receive rewards, I would have to sign up for a new credit card, which I did. 

Since then, due to various issues with the way BOA set up the new credit card account, I have come to realize, and been told by at least 2 BOA associates, that it was never necessary to have opened a second credit card account, that it should have been possible to change the prior card account or otherwise add rewards to that account without opening a new account. 

To me, this has the appearance that BOA is engaging in exactly the conduct that XXXX XXXX has been in the news for - requiring customers to open new accounts when that is not necessary. I will be cancelling my credit cards with BOA, and possibly taking my small business banking elsewhere, so I don't need any action or resolution on my 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 2022-01-21
Company: FC HoldCo LLC
State: CO
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:
In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay. 


THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}

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