BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: MS
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 have written letters on XXXX, XX/XX/2020, XX/XX/2020, and XX/XX/2020 about inaccurate accounts listed on my credit reports. I only received a computer generated response. I even asked for proof of the investigation which I never received. These inaccurate accounts are still listed on my credit report which is a violation.

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 2021-04-04
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX and XXXX and also the debt collector, National Credit Systems to communicate to them that what they have reported on my credit report is incorrect. I have also shared receipts and email communication between me and the original account holder to prove that this was incorrect and that they had not updated my account. I am under the impression now that XXXX XXXX nor XXXX are even reading the documents to support my case. I have also shared these documents with National Credit Systems. I am at a loss on what my next steps should be. I understand that I have a right to report inaccurate data on my credit report and National Credit Systems has the responsibility of updating this data. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian all they want is for you to give them money they say we will boost your credit score if you pay them. I am XXXX XXXX XXXX paid my deductible on my XXXX experian wants money and they will boost my credit score I used to have XXXX now they have dropped it to XXXX. But apply for a credit card or pay them $ $ they will boost my credit score this has damaged my credit and call them is impossible. Thanks for help. 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 2020-08-26
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid All-state Credit Bureau on XX/XX/2020 XXXX in full still saying unpaid. Filing a complaint against this company. Its illegal for a collection agency to collect and the collection was paid. Especially when it was never the original creditor that I owed debt to. Also this would've never been paid if I didnt need this to be paid to get the mortgage on my home. I've sent a letter to the Attorney General Office for further investigation on this company. I've put in multiple complaints with this company and CFPB has not did anything or investigate this company at all. I will keep filing complaints until this matter is resolved and removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
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 XXXXXXXX reporting date Opened XX/XX/2017 amount {$2100.00} i sent dispute letters several times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am filing a complaint today against Bank of America.They acted like they were going to help me keep my account open.They manipulated and deceived me into thinking that.They were going to work with.They changed my account at my authorization to a different account.I allowed them to do it based on thinking they were going to help me.The rep that changed over the checking account to another account and closed checking account assured me that I would be helped.He assured me that I would be able to get an payment extension/Arrangement.Due to me being out on sick leave for months and not working the account got very overdrawn.I was able to work due to XXXX  and XXXX XXXX I have.XX/XX/XXXXXXXX and XX/XX/XXXX.I wasn't able to work.I am now back to working.I now work for myself.All I am asking Bank of America to do is work with me and keep their promises they made to me.I want to pay off the account.I am also asking them work with me in crediting the nsf fees or some of the 35 nsf fees.

I would like account to be reopened and or be able to open up an account.I was told 3 different dates by 3 different representatives.I was told that my account would be charged off the XXXX,XXXX and XXXX. 

I also have an unauthorized debit claim on file.Which I haven't receive the affidavits in the mail yet.I want a full investigation in to the unauthorized debit.I am willing and able to comply with the investigation.I am just wanting for the affidavit to come in the male from Bank of America.The account was charged off.I want my full claim credit.I was also wanting for the affidavit to come in the mail.So I could fill it and so I could adjust the claim credit and pay off the past due overdrawn amount.They haven't investigated my claim yet.Again I am still waiting on the affidavit.I don't think the account should have charged off until the investigation was completed. 

The claim # is XXXX ... Again I never received by any affidavit.So I can comply with the claim investigation.I am waiting on the affidavit. 

I don't think the account should have been charged off.Due to the claim on file and the promises the Bank of America Rep made to me ... When I called in on the XXXX XXXX.I would like to be removed from XXXX XXXX.I should not be there.The account should not had been charged off.There has been a lot of miscommunication.

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 2017-08-06
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have seen a collection on my credit from Ability Recovery Services for {$990.00}. It is the only collection on my credit and I 've never taken out anything for that amount. It was dated for  XX/XX/XXXX . I disputed it and asked the company to provide me with proof that the debt belongs to me. They ignored my request and re-reported it on my credit stating the debt was from  XX/XX/XXXX  which was when I had initially disputed the debt. Instead of providing me with adequate proof, they instead reported it to the credit bureau incorrectly saying I had opened this debt on the date I attempted to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company sold my mortgage to Mr. Copper and I've been having problems every month. I mail in or pay my mortgage on line. I'm receiving letters saying they did not received my payment but when i check my account its paid. I have two mortgages both sold to Mr.Copper. When I sent a payments in XXXX they added to the wrong account and charge late fees to my account.I received a letter stating they made the adjustment but it has not been cleared either. I made a payment in XXXX, they claim they did not receive the payment. I check with the Postal Service and the check was cash XX/XX/XXXX after I had sent a replacement check. I stop payment on the replacement check and they added a fee to my account for a dishonored check. I've made all my payments and I'm receiving letters stating my loan is pass due, and they will report to credit reporting agencies, and I could face foreclosure. I never enter into a mortgage with this company my mortgage was sold to them and its been a mess from day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2020 PNC prevented me from transferring money from my personal account to XXXX. They would not allow a linking of my account to XXXX for a financial transfer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was initially contacted by XXXX XXXX of FBCS about one week ago. He identified himself as a debt collector on a private student loan ( bar exam debt ) that I believe I settled/discharged with a different collection agency several years ago. This was the first time I'd heard anything about that loan in years. Nonetheless, I was very cordial with him and requested something in writing documenting the amount FBCS asserts is still owed. I provided an updated address. I have yet to receive any written communications, yet I have received daily calls from Mr. XXXX. 

I was notified by my mother, who lives in Ohio, that she received a call from Mr. XXXX today. As there was no reason to contact a family member under the regulations, I believe he was in clear violation of applicable law. My location was given and known by Mr. XXXX, there is no court proceeding and in fact could not be at this time pursuant to statute of limitations, and I certainly did not agree in writing or otherwise. 

It is my belief that FBCS is engaged in unethical and unlawful debt collection practices. I'd like to notify this agency in hopes that it will protect other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PNC Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I received my Bank of America credit card statement I noticed a {$1.00} " Minimum Interest Charge '' of {$1.00}. 

I am under a 0 % promotional rate through XX/XX/XXXX. 
My minimum monthly payment is {$68.00}. 
I over the last few months I have been paying {$250.00} every other week. 

I have NEVER been late on this account, I pay well in advance of the due date and I pay 5 times the minimum monthly charge, so why am I being hit with the {$1.00} a month charge? It looks like this started about 3 months ago. 

I spoke with a representative on XX/XX/XXXX at XXXXXXXX XXXX and she told me that because my payments were hitting i advance of the cycle date I will get charged. 

I spoke to a supervisor, XXXX, who explained that it looked like I was getting charge the {$1.00} as a result of prior {$1.00} charges, and something to do wt the cycle date. 

XXXX was able to remove the {$1.00} fee for me and she hopes that this will eliminate future fees. 

I asked for the disclosure that says I must pay between certain dates or get changed and they cold not produce that for me. 

My credit score is over 800. 

My concern is that there are probably a XXXX others just like me and they are getting charged this unjust fee. Bank Of America should be able to have sophisticated systems in place to account for this type of situation.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2018-04-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a mobile deposit through the Chase app at XXXX Pacific Time. Chase states that XXXX Pacific time is the cutoff for deposits to be available the next day. Therefore funds would not be available for two days, until XX/XX/XXXX. My complaint is that if they consider anything after XXXX Pacific the start of the following day, this random time should similarly be the cutoff after which pending funds should be credited. But it's not. Because they held my money for literally two days I was then charged an insufficient funds fee of {$34.00} in another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: SYNCHRONY FINANCIAL
State: OH
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:
In XX/XX/XXXX a fraudulent charge of {$2100.00} appeared on my Synchrony Bank XXXX statement. I informed XXXX about this in writing and paid for MY charges in full. In XX/XX/XXXX another fraudulent charge of {$2200.00} from the same merchant appeared on my statement. Again I informed XXXX and paid for MY charges in full. Starting with the XX/XX/XXXX statement and every statement since then, Sync has assessed interest on the unpaid fraudulent charges. Additionally, since XX/XX/XXXX a recurring fraudulent XXXX charge has appeared on my monthly statements. I have informed Sync in writing every month of these issues. In XX/XX/XXXX, in my XXXX to Sync, I requested that my account be closed. However, I received a XXXX statement with more XXXX charges and more interest assessed, and the account was not closed. The balance on the XX/XX/XXXX statement is {$96.00} and consists entirely of interest charges assessed on unpaid fraudulent amounts. The fraudulent charges were acknowledged by XXXX, however, the interest charged on those unpaid fraudulent amounts was never reversed, Every month the unpaid interest is carried forward and more is added. At this point I am so frustrated with Synchrony I will pay the {$96.00} wrongfully assessed interest on fraudulent charges just to be done with this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Received an extension from Chrysler Capital do to COVID 19, yet they went ahead and reported the 30days late to all three bureaus, which they acknowledge that it was their error yet they refuse to contact the bureaus to correct the error which could possibly impact my loan that I'm wait to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed a letter requesting investigation for inaccurate accounts found on my credit report. I never received a response so I mailed a letter on XX/XX/2020 and XX/XX/2020. I still haven't received a response and these inaccurate accounts are still shwoing 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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have requested proof of ownership of an account from XXXX XXXX Auto from transunion and XXXX and still have not received any proof. however they are still reporting this account on my report with no proof. the amount is about {$9000.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
NOW ASKING MORE THAN 5 TIMES TO REMOVE THIS ACCOUNT THAT I NEVER 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 explanation
Consumer complaint received 2020-07-10
Company: ACIMA CREDIT, LLC
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: Account information incorrect

Complaint:
Acima is on only on my XXXX  report. I have paid them XXXX dollars monthly that they took out automatically. My account has been deemed as late 30 days and 60 days however I was only late by a few days, nagain which are the days they took the payments. They are saying they got XXXX, but no payments on XX/XX/XXXX-XX/XX/XXXX. I paid them offnin XX/XX/XXXX but they are reportingXX/XX/XXXX. I have the receipts they emailed to me. In XXXX there was 3 payments taken. This company is ruining my credit. And XXXX  system won't take thebproof, the proof, emailed and uploaded the proof and mailed it in. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Colony Brands, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
THE CREDIT CARD IS XXXX, XXXX ACCOUNT # XXXX SAYING DATE OPENED XX/XX/XXXX DATE CLOSED AND CHARGED OFF ACCOUNT XX/XX/XXXX. I HAVE DISPUTED THIS ITEM WITH XXXX  WITH NO RESOLUTION. THE CREDIT CARD AGENCY HAS A BALANCE AMOUNT OF {$550.00} AND PAST DUE {$180.00}. I NEVER OPENED THIS CARD AND I HAVE BEEN TRYING TO RESOLVE THIS ISSUE AND XXXX 'S KEEPS INSISTING THIS IS MY DEDT. IF THIS BILL IS OVER 6 YEARS OLD HOW COULD MY PAST BALANCE DUE ONLY BE {$180.00}. XXXX HAD THE BREACH I DONT KNOW IF THEY STOLE MY IDENTITY AND CREATED AN ACCOUNT. I WANT THIS OFF MY CREDIT REPORT BECAUSE ITS NOT MINE AND XXXX HAS NO CREDIBILITY. 

THANK YOU XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: NY
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:
Account Name : XXXX  XXXX Account # : XXXX In accordance with the Fair Credit Report Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how it that possible if the Balance Updated is inaccurate & the Status Updated is inaccurate, they also violated my rights under : 15 U.S.C 1681 Section 602A. 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 an account without my written consent.

15 U.S. Code 1681 e ( b ) : Which states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. To this day its has been over 30 days later I have received a response yet. It has been 47 days to be exact. I feel like im being taken advantage of and being ignored of my disputes. This doesn't make any sense. I don't understand how this able to happen. this is very unfair. Please make it make sense to me. Just plain stupid.

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