BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
So, because of my untimely payments, I incurred several months of late payments with my Bank of America credit card and all my other credit cards. I contacted all of my credit card companies and I told them what occurred and the reason why I was late. All of the other banks agreed to take off all the late payments on the account, and subsequently, I paid the current payment due as part of the agreement. I contacted Bank of America and I asked if I could have the late payments waived. The agent asked what were the issues and the reason why I was late at the time, ( I was two months late ). I told them once again the reason due to me studying for the XXXX XXXX XXXX ; I had to reduce my work hours. The manager online listened and said that there is nothing that he could do. If I dont pay the late fees the credit card account will be charged off. Now, the late fees have increased now I am up to six months in late payments, when I first contacted Bank of America I had two months of late fees. They have charged off the card in their system and I can not use the card again. The Bank offered me a settlement and I told them on XXXX XXXX, 2017 - I was willing to pay {$700.00} as settlement while I was in the branch X/XX/2017 ... but the customer service agent was adamant about charging me {$1000.00} to settle the account. At this point I am done with Bank of America. They are continuing charging me fees and interest. I need to settle this account and get them off my credit report. My credit report is suffering in the interim. Please help me! Thank you,

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to dispute the following information in my TransUnion File XXXX dated XX/XX/XXXX Item 1 : XXXX XXXX XXXX XXXX - Account XXXX Never opened in XXXX Item 2 : XXXX XXXX  XXXX XXXX - Account XXXX Never opened in XXXX Item 3 : XXXX XXXX XXXX Did not give approval to be Authorized User on this account The item I have identified is inaccurate because I have never had a card for this company. 
Documentation can be account statements from the original creditor, payment history from the original creditor, a copy of the original signed loan agreement or a credit card application with terms and interest rates. 

I am requesting that this item be investigated and verified showing details necessary in order adequately reflect my true credit history on the attached report. 

I am asking you to reexamine this item and remove it from my file at your earliest convenience. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: SC
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  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 XXXX : 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 explanation
Consumer complaint received 2021-01-27
Company: Auto Trakk, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The vehicle I had in connection with this company was wrecked and totaled out in XXXX. Between my insurance and the gap insurance on this car, all debts were settled and a check was issued to me. That was the end of my dealings with this company. In XX/XX/XXXX, Autotrakk contacted me about a remaining balance. I asked them for the documents that proved this debt and was put on a long hold before they came back on the line and told me they couldnt find the paperwork that showed this debt being owed. That same day, I notified my attorney. Within 2 business days, my attorney sent out a letter to Autotrakk for them to verify the debt. There was never any response to that letter. Now today, XX/XX/XXXX, Autotrakk is calling again still claiming that I owe them money and still not able to produce the documents that verify the debt. 
The representative is claiming that this debt is being reported on my credit. I will be disputing that debt TODAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I'M HAVING PROBLEMS GETTING THE CREDIT BUREAUS TO UPDATE AND CORRECT MY CURRENT ADDRESS AND REMOVING ADDRESSES THAT ARE LINKED TO MY IDENTITY THEFT CASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Creditrepair.com, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Offered me an agreement for XXXX service for me, then said add my wife and we will give you the XXXX and your wife free if she signs up too. So I did, but they started taking out 2 payments of XXXX, in XX/XX/2019 and my wife never caught it because of health issues and I'm gone on the road ( XX/XX/XXXX ). Tried to talk to them and said that they would only give me XXXX back on the more than 600.00 they took. Can't afford losing that much. Tried to talk to another person a hour after and they said computer was down. This all happened XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: SYNCHRONY FINANCIAL
State: LA
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:
I have contacted Lowe 's on several occasions about a credit inquiry that was placed on XXXX XXXX, 2017.  As soon as the inquiry was placed on my XXXX credit report on XXXX XXXX, 2017, I called the company that evening for the first time to let them know that I had not applied for a credit card with them nor did I authorize anyone else to do so. I was advised I would have to wait 7-10 days before I could dispute this with them to see if I was approved for their companies card, I again stated to their representative that I did n't apply for the card and did not want it. I have a credit freeze place on my report, therefore I would n't apply for anything. After 10 days passed I contacted the company again, they said to wait 30 days for them to do an investigation on their own, that it could take up to 60 days. I again contacted them and they said that they could not remove this unauthorized inquiry from my report even tho I did not apply for it.

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 2020-05-21
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
My XXXX XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my XXXX XXXX dept of Education student loan balance on XX/XX/2009. 

The same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 
During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and Experian and XXXX, mishandled the reporting of the consolidated loan, to a separate loan and line item. 
I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated, meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple 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 2020-05-21
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2022-08-05
Company: EQUIFAX, INC.
State: CA
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:
They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15USC 1681 ( b ) ( 2 ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they have assumed this role. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony Bank continues to fraudulently attempt to withdraw money from my checking account without proper authorization. I never authorized Synchrony to recently attempt to make debits from my account. I paid my bill using cash in the store. My financial institution has set a stop payment to prevent Synchrony bank from fraudulently attempting to withdraw funds from my 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 2020-07-04
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$11000.00}, {$14000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and  the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$13000.00} -This is not my 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 2021-01-27
Company: Experian Information Solutions Inc.
State: AL
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:
My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.

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 2018-09-26
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I enrolled myself in a work-out program with a reduced interest rate. Part of this program is the requirement for automatic Debit payments. Last year they " accidentally un-enrolled '' me from automatic payments. Then realizing their mistake they put me back on the automatic payments. Now this year they have un-enrolled me from automatic payments again and now say I have missed three payments that I never should have missed. I did not cancel the automatic payments, I should not have to pay a penalty because of something they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: First Technology Federal Credit Union
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2017 a First Tech credit card was opened on my behalf without my authorization. This card has been recognized as an issue on their behalf and stated as a collection on my report when this was not of my doing. This is hurting my score please take this off as soon as possible. I am trying to buy a home for my family during this hard time and this is not making it any easier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a notification from XXXX. The notification was in regards to a account that had been flagged for collections. Instantly, I knew something was incredibly wrong. I then filed a dispute through the XXXX center and waited two weeks for my results. The results then claimed the company showed them proof of a recent account with them. I have no knowledge whatsoever about have a account with Sunrise Credit Service, which is located in New York.! I would most definitely appreciate if this issue is resolved quickly.

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 2021-01-27
Company: Incomm Holdings Inc.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
There was fraud reported on the 2 separate debit cards and they refused to return my money. They said there were doing an investigation and have done nothing and refuse to return my money. 

Money was stolen and deposited into a XXXX account. I called XXXX and they agreed there was fraud and they returned the money to the debit card. 

Vanilla prepaid cards ( Incomm ) is a returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Within the last week I contacted ERC to pay the my debt and ask for a letter of deletion. I was told that they were not able to give me a letter and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke to a man to pay my debt and he said he would be able to give me a letter of deletion so I paid the debt and after that I was transferred to another person. They said I would be able to get a letter from an XXXX XXXX XXXX store, so I went there and was told Im not able to get a letter. So I called back to XXXX XXXX XXXX and was told I need to contact ERC, because they sold the debt to them and XXXX XXXX XXXX does not deal with creditors. So I called ERC back and they told be XXXX XXXX XXXX should send me a letter since I paid them, and ERC will only give me a statement saying my debt was paid. Called XXXX XXXX XXXX and asked to speak with a supervisor and was told they do not have a direct line to a supervisor and could not give me a phone number to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my escrow payment when up last year on the amount of {$1900.00} no one has been able to explain why and now my mortgage went up from XX/XX/XXXX and XX/XX/XXXX in the amount of {$30.00} and they are not giving me a clear explanation either. I believe that Nation Star Mortgage books

Company response to consumer: Closed with explanation