BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A bank account statement was received by an associate of mine at an address I have not lived at in over XXXX years. This account was for a checking account with Bank of America. 

I have confirmed with Bank of America that the account exists, and contains my information. This account is not one I have created, and I have not been able to actually speak to an individual at Bank of America regarding it. The Fraud department is unreachable via phone, and no emails have been replied to. 

I am concerned that this account was opened using my social security number, and will have a negative impact on my financial health.

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 2018-02-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In XX/XX/XXXX a fraudulent charge appeared on my Discover card from a company called XXXX XXXX WA for {$390.00}. I have not done business with this company before or since. Discover reversed the charge, originally from XX/XX/XXXX, but on XX/XX/XXXX, with no explanation, restored the charge. 

I called their main number at XXXX and spoke with a XXXX who claimed to be a supervisor. XXXX refused to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Transunion has failed to do this. In XXXX and XXXX of 2022, I mailed letters to this agency asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.

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 2022-08-30
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX Business Account # XXXX XXXX XXXX XXXX XXXX Charities : XXXX never sent a finale bill out as to the return of there equipment was return. 
I was also informed that once that got the equipment back they could not send out a finale bill and it could take up to once the equipment return 30 days to process before i would get a bill. 
I got a bill and call them several times being 8 times in one month a rep would call back every time when you call XXXX is another state not even in XXXX XXXX and nothing but the run around with spectrum. 
McCarty Burgess & wolf contacting me before it was even 30 days of the account closing harrassing me about the bill and threating me. 

MC Carty Burgess & Wolff XXXX XXXX XXXX XXXX OH XXXX Phone # XXXX XXXX Mc Carty Burgess & Wolff is very ruid and when contacting bill changes every time nothing but con artist. 

Nor did Mc Carty Burgess & Wolff mail me any type of notice nor XXXX as before sending it to MC Carty Burgess & Wolff as to dispute the bill. 
XXXX  never return calls or letter mail to them over the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Account information incorrect

Complaint:
All of this information is listed on my credit file and is in error. Per the Credit Act of 2020 section 401, this should be removed as I don't have agreement or contracts authorization these inquiries. I've checked with the bureaus and they are unable to validate but refused to remove. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Marlette Funding, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On  XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00}  ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.

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 2020-12-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Early last year XXXX 2019 ) I was sent to an XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and my XXXX XXXX resulted in my being sold a XXXX XXXX I was told I could return the device and receive a refund if I had a problem. Synchrony Bank financed the purchase. I have had several accounts with this company in the past for Care Credit XXXX XXXX, XXXX XXXX XXXX, and a mattress company. I go to Synchrony 's website and all the accounts are posted and they send me a paper bill for each account every month. 
When I got the XXXX XXXX I expected to receive a paper bill and to see the account on line, which has been how I pay these bills. Until now I never had a problem. They never sent me a bill for the XXXX XXXX, they never listed the relevant account online. I waited for about XXXX months and finally, frustrated, I found a place on the website where I could pay " another company '' so I did that and was told it was wrong. I asked repeatedly for a paper bill, got no where and became really frustrated that the bank was so dysfunctional and unresponsive. I chose to return the XXXX XXXX and everything I had received with it. I told the bank I expected a refund. At this point they began to send me a paper bill but the account never appeared online. 
They continued to bill me. I continued to not pay them for something I no longer possessed. Finally, last year I reported them to the Attorney General of the State of California. Then I got a response. I called them on the phone and a clerk appeared to make sense of the mess and told me to expect to continue receiving bills for a little while, they wouldXX/XX/XXXXout the balance and to not worry about it, I did not have to pay anything. They refunded the money already paid by crediting another of my accounts. I thought I was done with the problem. The bills saying that nothing was owed continued to come for several months and finally bills began to appear that claimed I still owed the balance and demanding a monthly payment as well as late fees and all the rest of the XXXX typical of a credit card bill. I politely declined and ignored the bills. Now they are sending me demands by certified mail and the bills claim I owe money I do not in fact owe as I returned the object originally purchased for the refund I was promised.

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 2019-03-14
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2018, while trying to book a XXXX  XXXX  ticket, I came across an offer for {$300.00} to be applied towards the ticket if I applied for a rewards card. I put in my information for the offer and within less than a minute, was notified via the screen that a decision could not be made. I immediately contacted XXXX and was referred to Chase Bank. I then immediately contacted Chase bank within no more than 10minutes of getting the notification on the screen and I was told by the Chase representative I spoke with that my application was denied but she could not state why. I asked for more information about the XXXX  offer and she explained that even if I had been approved, the credit offer only gets applied after the first account statement and could not be used to purchase the ticket. I then explicitly told her I was glad I got denied and I was ABSOLUTELY no longer interested in the account. I asked that the application be withdrawn and the representative obliged. This all happened no later than 10mins after putting in the application on XX/XX/2018. Notwithstanding my explicit request not to proceed with the application and contrary to what I was told by the Chase representative, Chase did in fact go ahead to open a credit account in my name on XX/XX/2018. This is now being reported in my Credit Report and Chase has refused to correct this information on my credit report even though they went ahead to process an application which I did not consent to and out of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section I602 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

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 2022-08-30
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: Their investigation did not fix an error on your report

Complaint:
I continue to dispute my credit report, but e-oscar continue to send back information verified. If I can't find results my next step will contact FTC and Attorney general.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
INACCURATE REPORTING DIFFERENT DATES OF RECENT ACTIVITY AND DIFFERENT DATES OF DATE OPENED INCORRECT STATUS ACCOUNTS OPEN SHOULD BE CLOSED MEDICAL BILL JUST SHOWING UP TO DROP MY SCORE DIFFERENT AMOUNT OWED

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 2018-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/18 I went to Bank of America in XXXX, NJ to make a {$1000.00} cash deposit into my mother 's account. I handed the teller the deposit slip with account number. She refused to accept the deposit because I was not on the account. I would have had no problem providing my identification, social security number etc. However, they refused the deposit. My mother was on the phone with me while I was attempting to make the deposit. She gave them authorization to allow me to make the deposit but they still refused.

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 2022-08-30
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
In two different reports this one account is reporting to different account numbers one XXXX and two XXXX the number of month reviewed are different one is 49 months and the other is 66 months Overall the account is showing a balance of {$16000.00} reporting But the High balances and or high credit XXXX and the other report there is nothing reporting in that sections The payment history shows 4 % for one report and the other report it says that there is a 27 % payment history Also the payment history in 2018 is not even reporting for five months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Avant Holding Company, Inc.
State: IN
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:
In accordance with the fair credit reporting act these creditors has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting agency can not furnish a can account without my written instructionsUSC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting, agency, can not furnish a can account without my, written instructions, under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
lexis nexis is stating on my report that I was involved in a motor vehicle accident and I was at fault on XXXX XXXX  2013 So ask them furnish this report to verify this information since they are reporting it Where are they getting this from produce the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two credit cards with debt collector Midland Credit management. The first one is a XXXX XXXX card with a debt of {$6600.00}. The second is also a XXXX  XXXX card with a debt of {$3600.00}. I recently have become able to pay these debts off, so I contacted Midland credit management by phone on XX/XX/2022. I was put in touch with a Senor manager, named XXXX XXXX who I negotiated with a relative 's help down since we were paying them off in full. For the first debt, we negotiated down to {$4200.00} and the second down to {$2500.00}. I was sent an email to accept electronic communication which worked fine and then was supposed to receive an offer letter via email with the verbally agreed upon negotiated amount. Once we would receive those, we were going to make payment. The emails never came even after repeatedly checking my spam folder and refreshing my email. XXXX said he sent them, but we never received them. We called him back later that day to let him know this and to have him resend the emails. Once again, they never arrived, and when we called the second time, the phone line was so bad, we couldn't communicate. We were transferred to another manager whose line was also very difficult to hear. 
We began reading reviews about this debt collector and saw the awful record they have with customers either being defrauded or paying off debt and never having it properly credited. I was horrified by this, and although I am committed to resolving this debt, I am afraid that if I pay them, it won't be properly resolved and will remain on my record. The correspondence with them has made me uneasy. 
The bottom line is that I would like to have someone help me communicate with them so that I can properly pay this off and be free of this debt so that I may get my credit score back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # 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 ortina can not furnish a account without my written instruction

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 the third time I have requested Notice for Proof of Claim for Accounts XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.

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