BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The bank fail to provide advertised Rental Car Coverage during my car rental, where it instruct its customer to decline CDW offered by the rental company as they are covered by using their card for rental. 

I was locked out of my rental and the rental company requested payment for its service to unlock the car since I declined their offered CDW. When I called the XXXX XXXX customer service, since CDW is covered as per their advertisement, they transfer me to XXXX XXXX and in turn transferred me to roadside assistance which charged me {$69.00}. The charge details as follows : XX/XX/2018 XXXX XXXX XXXX Country Code : US - United States Original Account Number : XXXX Currency : US Dollar ( USD ) Merchant : XXXX XXXX Merchant Information : XXXX XXXX XXXX XXXX TX XXXX Transaction Date : XX/XX/2018 Posted Date : XX/XX/2018 Transaction Type : Purchase Reference Number : XXXX {$69.00} I attempted three times to resolve the issue and requested refund by my credit card to the charge since their instruction is false and they fail to offer their promised coverage but they fail again to address the issue. My latest complaint to them No. XXXX dated XX/XX/2018. 
Your support in that matter will be greatly appreciated. 
Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: FL
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 this account XXXX ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. states that 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.

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 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This is now my fifth complaint about BOA and I will not stop until my unemployment benefits are given to me. Ive had to claim this income that I never received on my taxes so Ill be XXXX  if Im not going to actually receive it. This is why there are numerous lawsuits against BOA for doing a horrific job at protecting our unemployment benefits from fraudsters. Again, I never received my card when I applied so I assumed I was not approved. Months later is when I saw the emails in my spam folder that I was approved. I contacted md unemployment and had to go through a ton of hoops to verify my identity. Which I did. I then alerted BOA. A claim was submitted for XXXX. I was told numerous times Id receive my provisional credits within days. It never happened. Ive filed multiple complaints about boa and have recently been contacted about joining a class action law suit against boa for not handling our benefits accordingly. At XXXX time I was very loud on BOA XXXX page and have many people following my story. I wont even get into the horrific events that occurred in my life because of boa negligence because its all been said before and no one cares. Boa are liars and cheaters. Just like the handling of these complaints. Ill receive a professional looking emailing stating its so and so and they will now be my point of contact and to get in touch within so many days. However they never respond to the phone calls or emails. Im convinced the names signed on the email are not even actual people. Boa has hurt so many American citizens throughout this pandemic and need to be held responsible for the lives theyve ruined, and the lives taken because people were at their end due to boa negligence. I was told several times that my claim was approved and id receive the funds then I never do. I dont know where theyve sent any correspondence bc Ive yet to receive anything from them. Which isnt surprising beings they sent my card to a completely wrong address.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
{$390.00} I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged charge off information. XXXX XXXX XXXX has never proved this debt belong to me legally.

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 2019-05-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing in regards to what I feel is an illegal lending practice. Navy Federal Credit Union is attempting to collect payment for a refinance loan before there is any evidence the loan exists or funds have been sent to the prior lender ( the loan being refinanced ). In summary : 1 ) It took two weeks for Navy Federal to process the loan ( I have never had a loan take more than a day and funds have always instantly released directly to me ). This reigns true to a prior Navy Federal refining loan I received in the past.

2 ) I received an e-mail saying funds have been dispersed and a payment on the Navy Federal refinance loan is due in 14 days, yet : There is no loan listed under my Navy Federal Credit Union Loans and Lines of credit accounts.

Funds have not been applied to the loan I was refinancing. 
The receiving bank ( the loan being refinanced ) is XXXX, there is no reason they couldnt accept loan payoff electronically and instantly since this supposed transfer was bank-to-bank. 
This entire process seems strange, as I have had 7 consumer loans in my lifetime and never have funds been transferred loan to loan before, the loan funds were always issued to me, into my bank account. 
Navy Federal is saying it may take up to 30 days for XXXX to process the payment, so now I have two payments due on the same day for two different loans from two different banks on the same {$27000.00} I find it really odd that a payment is due before there is any evidence of a transaction. Typically up to 45 days is the timeframe between loan disbursement and payment due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX Checking account charged {$590.00}. 

XXXX I reported fraud to Simple Bank who locked and sent Wife a new debit card. 

XXXX Simple Bank contacted about case for {$590.00} was closed and the charged dropped off account. 

XXXX Wife replied to Simple Bank stating that the charge was for {$590.00} rather than {$590.00} XXXX Simple Bank contacted Wife and I via support message and said charge force posted after falling off. Said the dispute team would reach out via support message with any additional updates. 

XXXX I called Simple for update but was told that it was being looked into. I asked about XXXX 0 % liability guarantee but was Simple Bank rep said I was going to have to wait for investigation. I asked for a phone number to contact the fraud investigation department but was told support message was the only way to contact. Account is still missing {$590.00} which I am supposed to not be liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following items are reporting incorrectly on my credit report for the following reasons : - XXXX is incorrectly showing that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX. 

- XXXX  XXXX is incorrectly showing that I was late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX XXXX XXXX - XXXX XXXX - This is not my account - {$95.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX - This is not my account - {$330.00} XXXX XXXX XXXX - This is not my account - {$1900.00}

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 2022-10-04
Company: LEXISNEXIS
State: PA
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 filed an initial complaint case # XXXX. LexisNexis keeps saying they can not identify me to get the CFPB to close the case out. When I call on the phone they have no issues identifying me. They did not attempt to verify me before placing items on my report with permissible purpose. I want the XXXX  XXXX Bankruptcy that they have on my file to be removed as per my previous request. I have sent them all the documentaion they have required to identify myself via the email address they have provided. Do not keep allowing them to say they can not identify me as I have provided my social security number, DOB, state ID and a address verification multiple times. I have attached all of the documentation that has been sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}

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 2020-11-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i sent a dispute more than 30 days ago to XXXX and experian and neither of them have responded back. the only one to do their job correctly was XXXX. by the FCRA, these companies have 30 days to respond and they have not.

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 2018-09-21
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call both at work and on my personal number, they refused to provide verification that the debt was legitimate, and were very rude. They also did not inform me the call was an attempt to collect a debt or that the call was being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: NJ
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:
In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted XXXX specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.

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 2018-02-15
Company: Experian Information Solutions 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2023-06-13
Company: EQUIFAX, 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:
Wrong account appeared on my credit report that belong to someone law with the same name. Fraudulent account, account I didnt authorized which result in identity theft. 

Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Checked my credit report and have a collection on there from LVNV Funding. I think I might of sent them a email, but not positive at all. I want to have a correspondence from this company since they are reporting negatively on my credit reports. I would also like them to send me VALIDATION of this said debt and a original contract bearing my signature would be best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions 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:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-02-15
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a call from a company called XXXX saying they were trying to collect on an old debt for XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I explained to them that I had filed a Chapter XXXX back in XX/XX/XXXX and if they could provide me a copy of the debt they are trying to claim for {$1600.00}. They advised me that I was facing fraud on writing a bad check and deception of a financial bank. When I again pushed to have something sent to me in writing the caller hung up. When I tried calling back they refused to take my call. I will state that this caller did have personal information about me where I lived and my SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.

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 2020-07-08
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My card was stolen XX/XX/2019, I asked for a replacement card and I was told I was a payee I need the other person for the replacement card that person is no longer needed as a representative payee for my SSDI and I can't get ahold of that person.. I needed my card sent to me for the remaining balance of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019.Direct Express They wouldn't even let me change my address.. Social Security Administration told me to call Direct Express and request my running balance in a new card but I can not get a hold of them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX of Louisiana sent me to collections with XXXX XXXX XXXX and Mitchell D. Bluhm & Associates , LLC Attorneys at Law for a XXXX service from XX/XX/XXXX. 
1. I did not know I owed a debt to XXXX. I have not received any previous bills. 
2. There are no details about the debt or the service I received for me to verify the debt on the bill that I received from the law offices. 
3. This is the first notification I received from the collections lawyers and on the letter they threatened to report to credit agencies and they did so dropping my already suffering score 42 points. 
4. A representative from the office called and when I attempted to ask questions, that person hung up the phone while I was talking. 
5. On XX/XX/XXXX, I was temporarily laid off from my job.

Company response to consumer: Closed with non-monetary relief