BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
The complaint is Bank of America removing the standard 1 month grace period from our credit card purchases when we tried to save money by using one of Bank of America 's 0 % balance transfer offers. This has now cost us {$260.00} if interest that would not have existed if we hadn't tried to " save money. '' On XX/XX/2018 due to the card 's more competitive rate, we decided to make our Bank of American Mastercard ( BofA MC ) our primary credit card. 

To make things easier, we transferred our other credit card balances to BofA MC for 1 year of 0 % interest. They charged us $ XXXX {$42.00} ( {$96.00} dollars ) for the " special '' transfers, so it is no really 0 % it is 4 %. Then they begin charging immediate interest on our other new purchases. Even with us paying our normal payments on time, we have faced {$200.00} of interest that would have been {$0.00} before the special offer. This should be crime. 

When taking the 0 % deal, all the agent had to say was ... '' this will remove your grace period on new purchases, are you sure you want that? '' Instead, he just kept saying do you understand you'll be charged interest at 12.49 % on new purchases ... And I thought " of course, thats how it always works. '' So I agreed. The language BofA used is meant to trick people. 

We stopped using the card as soon as we realized their actions, but would like to be reimbursed and this " bait and Switch '' to be stopped. 

When I spoke to Bank of America about my displeasure, they acted like it was just too bad for my family and offer no resolution!!

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 2019-05-22
Company: CITIBANK, N.A.
State: CA
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 a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surprise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

MACYS/DSNB, Account # XXXX, Date Opened XX/XX/XXXX You are even duplicating this fraudulent account on my report, which is completely affecting my credit score. Please delete these Duplicate fraudulent accounts asap!

This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XX/XX/XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts

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 2017-11-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2018-06-18
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is contacting me regarding a debt they are claiming I owe, date of service starting XX/XX/2014. I replied to them that I was stationed in XXXX XXXX, AL until XX/XX/2014 and was not in the same state that the service was rendered. They are demanding my social security number, a police report identifying a suspect, and a utility bill proving my location. 
I advised that the XXXX does not provide utility bills when you are stationed in the barracks. I have my XXXX proving I was in XXXX XXXX AL until XX/XX/2014 and I have provided my bank statements showing that I was using the XXXX XXXX until early XX/XX/2014, proving that I could not have been in the same state they claim the services were opened. They are claiming the debt has been " verified '' - they have sent me paperwork with the wrong address, the wrong telephone number, and an illegible signature they claim is mine. I have provided multiple documents proving that my address had changed and that I was nowhere near the service location at that time. I have disputed this debt with all three credit reporting agencies and they have removed this debt from my account. However XXXX XXXX continues to harass me regarding this debt and will not respond to my questions regarding confirming or denying the debt.

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 2018-06-18
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: Old information reappears or never goes away

Complaint:
On XX/XX/2018 and XX/XX/2018 I wrote Experian about an account that is improperly and inaccurate and with old information. I have not received any response or that the account is deleted. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from Experian, a few days later I received the letter back because it was undeliverable. Experian is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my Experian Credit Report inaccurately. 

2. Given that the furnisher ( XXXX Loans ) has provided false information to Experian about me, and provided Experian with a false address, I am demanding that the item ( XXXX Loans ) they are reporting be removed immediately.

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 2018-11-19
Company: EQUIFAX, INC.
State: IA
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 contacted equifax several times about several accounts and inquires requesting they are blocked from my credit report due to identity theft. They keep updating the trade line as verified even after identity theft report was sent in to them. I did an online dispute in XX/XX/2018. I sent in a letter as well in XX/XX/2018 and I also fixed the letter into them and accounts has not been removed. Also Eauifax data breach there was several inquires added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Credit Karma, LLC
State: CA
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:
Credit Karma has assisted an identity thief in accessing my account with them. They have connected a known email account to me, to the Credit Karma account. I lost control of the email address earlier this year. I used to be the owner of that particular gmail acvount, and it was hacked. I submitted documents via mail to credit karma to prove MY identity and restore MY access to MY credit karma account, and somehow they have connected the identity thief 's account directly to it instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-09-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Checking my account online in XXXX, I noticed a charge of {$100.00} that I did not recognize. So, I requested TWICE a copy of the sales slip. XXXX XXXX ignored my request, but froze my account. I called and spoke with Customer Rep XXXX on XX/XX/XXXX. She lied for Synchrony by saying that had reported that I " misplaced '' my card. I never did! I told her that I only asked for a copy of the charge. She lied for Synchrony saying that a copy was mailed " yesterday '' XX/XX/XXXX. Now, 10 days later and nothing sent to me. She also lied for Synchrony by saying that my account would be unfrozen and she would note on my account that I never reported my card missing. Sill today XX/XX/XXXX my account is still frozen. Moreover, I contacted the merchant Walmart who said that the aforementioned charge was an error. I was given a credit slip by the merchant. But, Synchrony still has not reversed the charge. XXXX XXXX is lying and thieving.

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 2020-06-30
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:
ALL 3 bureaus are reporting differently on the this particular account which I reported as FRAUD.I HAVE NEVER HAD A STUDENT LOAN WITH US DEPT OF EDXXXX ACCT # XXXX {$16000.00} US DEPT OF EDXXXX ACCT # XXXX {$5100.00} US DEPT OF EDXXXX ACCT # XXXX {$3300.00} EXPERIAN IS REPORTING IT AS A CHARGE/OFF WITH LATE PAYMENTS XXXX  IS REPORTING IT AS ACTIVE ACCOUNT WITHOUT ANY ACTIVITY XXXX  FOUND THAT IT WAS FRAUDULENT AND DELETED THE ACCOUNT

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 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX still shows an open account on my report. Allegedly after investigating. Card opened in a previous legal name. They exceeded the timeframe projected, and still have not corrected the status to show closed. Account closed in bankruptcy, status still showing 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 2018-11-19
Company: Accelerated Financial Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2017 accelerated financial open a dept on me I have no idea who they are and I have never signed or agreed to do business with accelerated financial

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 2018-11-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$210.00} COLLECTIONS XXXX {$200.00} COLLECTIONS XXXX {$270.00} COLLECTIONS XXXX {$52.00}

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 2020-07-02
Company: EQUIFAX, INC.
State: WA
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 gone to their web site and it says contact equifax by phone. They don't answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

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 2019-01-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was purchasing impact windows from XXXX and was going to put the balance on my Visa but the salesperson told me I could get a XXXX credit card which would be better. I applied for the card and was told I could have the payment taken out auto withdrawal. I thought this was better because I would never be late with a payment. A few times I even made an additional payment to try and pay off the balance sooner. I was not told that I had to pay this in a certain amount of time. I thought I was paying my bill monthly and on time. I noticed that the payment increased and just thought that after a certain time frame the payment increased but still continued. I did not question it because I thought it was like my other credit cards and just continued the auto withdrawal. I work nights and go to school so I didn't think to investigate the increase. Tonight I looked at the statement and wondered why the total was so high. After looking at the previous statements I noticed in XX/XX/XXXX they charged me over {$5000.00}. I called the customer care who said it was too late. I explained the situation to the manager " XXXX '' who said they couldn't do anything. I'm still dealing with my damaged windows ( not one complaint ), and they want to rob me of an additional {$5000.00}? I'm absolutely horrified! I will never be able to pay this off. It's ridiculous. I should owe around {$7000.00}. I'm upset and afraid this will lower my credit rating. I thought I was paying my bill like I should. I wish I never listened to the salesperson who said this was a better deal. The credit card is from Synchrony Bank. Now after investigating, I see that this is what they do. They are loan sharks. XXXX was scripted and incapable of any emotion or compassion.

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 2020-01-20
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not a duplicate complaint, but is an additional complaint to XXXX with additional documents that are material to my dispute with American Express for continuing to report inaccurate information on me to the 3 major credit bureaus. 

On XX/XX/XXXX, American Express responded to me in a letter in reference to CFPB Ref No XXXX. 

In their reply, American Express stated that they were " obligated to report factual information to the credit reporting agencies. '' The letter to me ( attached ) noted that the company, American Express, received a payment of {$530.00} on XX/XX/XXXX and that my account status was " updated on XX/XX/XXXX. This payment reflected our agreed upon settlement. ( see attached ). 

It has been 5 moments, since this payment was submitted, processed and cleared. And over 4 months since I received their notice that the credit reporting agencies have been notified. After several disputes initiated by me to ask for incorrect reporting re this matter to be updated, based on our agreement and their letter, American Express has either incorrectly reported a balance of {$810.00} to all 3 major credit bureaus, even though their reply to CFPB states " your account statuses were updated ... '' and " settled the account/s as agreed upon.. '' The letter was signed by " XXXX XXXX '' , Customer Advocate Services Team '' on XX/XX/XXXX. 

In XXXX, American Express reported a net income of approximately $ XXXX. I can not understand why they would violate an agreement we had, accept my payment of {$530.00} as settlement and still report that I owe them a balance. By their own admission they have reported inaccurate information in spite of telling CFPB the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There are many mistakes appear in my report without my understanding.

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 2018-11-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2016 medical data system has tries to collect a dept I do not owe them I have never signed or agreed to do business or have any contract with medical data system

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 2019-03-29
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I opened two CD accounts with this bank. I funded both CD accounts on same day.This bank was not sending me my details of accounts by mail.I called their customer service, spoke to MR.XXXX  & MR. XXXX. They were rude in behavior. Customer service of this bank was very bad.I was holding more than 15 mins before some body comes on phone. They do not have any respect for customer time.

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