BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XXXX I made a purchase of an electric fireplace for {$96.00} from an advertisement on XXXX. I used my Bank of America debit card for this transaction. I never received the purchase and tried reaching out to the merchant to no avail. I contacted Bank of America and disputed the transaction. They credited my account and began an investigation. About 2 months later they took the money back out of my account and sent me a letter stating that I had received the purchase, which I had not. I called them several times and sent the following letter. I also sent a complaint to Bank of America complaint department. I have found out in speaking with several others that Bank of America has been denying claims from it's customers. Maybe it's time for the consumers to withdraw our funds and go to other banking institutions that are more sensitive to the consumer needs. 






Bank of America Attn : Debit card operations XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2021 Re : Claim # XXXX Amount : {$96.00} Dear Sir or Madam : I am writing to dispute a determination to remove the amount of {$96.00} from my account based on a claim I submitted for the order of an item that I am not in possession of or was never in possession of. 

The determination is inaccurate because the merchandise I ordered was never delivered. I live in an apartment complex and there is no porch to my building and the USPS tracking slip says it was delivered at the front door or porch at XXXX on XX/XX/2021. However, it does not give an exact address it says XXXX, NJ XXXX. 

When I get deliveries to my apartment the XXXX, XXXX XXXX, XXXX person or the mailman rings the buzzer to be let in the building if the packages are too large to go into my mailbox. 

I work from home and I am here at my apartment every day, and if I am not here my daughter or husband is here. 


Please find enclosed the copy of 2 emails I sent the seller regarding the purchase of an electric fireplace in the amount of {$96.00}. As you will see I never got a response from the seller which raised my suspicion that the transaction was fraud and that is why I filed a dispute. 

Please thoroughly investigate the nature of the claim before deciding to decline my claim again. 

Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and WELLS FARGO BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part.

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 2021-05-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/21, I disputed a few items on my credit report. I sent in a letter disputing these items ( see attached ). In that letter, I stated that I do not consent to online delivery of my results. They notified me via email that the disputes are complete and I can access my results online. Clearly this is wrong since I stated that I do not connect to online delivery of my results. Upon reviewing the results, they state that the items were updated. They clearly have not been updated and have all of the exact same information in the previous reports.

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 2018-10-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately 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 2020-10-15
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Dear Sir or Madam, Bank of America has failed to help me resolve several unauthorized charges fraudulently charged to my credit card by XXXX, a satellite service. 
I never contracted or requested any XXXX services. 
I have never had a satellite. 
I have never had a contract, product or account with XXXX, yet, I was refused a chargeback. 

BofA claims I am responsible for continued payment for the fraud XXXX perpetrated upon me and has not helped in any way to address this criminal behavior, instead, they have aided the fraudulent entity XXXX. 

BofA asked that I produce a contract. Since I had no contract, I asked BofA to obtain the XXXX service record for recipients name, location or IP address. This XXXX recipient user information would identify the fraudulent user of record of XXXX service, and confirm that I was fraudulently charged. 

I requested BofA complete my chargeback request and cancel all XXXX charges after XXXX, when BofA and XXXX were notified. BofA recently -8 months later - determined that I am responsible for all XXXX charges despite finding no proof of contract. BofA notified me that despite XXXX not verifying the recipients name, location or IP address, that they were sending their rendition of the dispute to all credit agencies. 

The BofA fraud dispute process and outcome are faulty. I followed BofAs credit card published guidelines. unable without an account to access XXXX ; my daily calls to BofA yielded a COVID recording that advertised BofA could not normally handle calls. 

Please help me to receive fair resolution with BofA, for my chargeback from XXXX of payments made on my credit card, and the cancellation of the continued illegal credit card charges, as well as ending BofAs threat to harm my credit rating by presenting my fraud dispute case to the credit agencies favoring XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX ATTN RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. 
They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, 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 2021-05-03
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
original loan was with XXXX. debt was paid late to XXXX  XXXX XX/XX/2021. Debt has been sold to Vance and Huffman. They are reporting it as a brand new XX/XX/2021 delinquent debt. Original debt is over 3 years old. Vance and Huffman refused to validate debt and insists that it is ok to report the delinquency as XX/XX/2021. Vance and Huffman refused to do due diligence on payment to XXXX XXXX and insisted that the onus of any debt validation is on me and not them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated 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 2021-10-31
Company: RockLoans Holdings LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone use my personal information and got a personal loan for the amount of {$25000.00} in XX/XX/2018. It appears as charge off on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  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 2020-08-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Company has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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:
No matter what I do Experian is constantly keeping my credit low. Not only are they keeping my credit low because I believe they want me to use Experian XXXX but they are recommending me to apply for certain credit cards which is dropping my credit even more because now I'm seeking credit. 

They are keeping my credit low but the reasons they are giving me are not correct. My file claims I have recent missed payments but in the descriptions it says 1. Your most recent missed payment happened Unknown I will attach this in a screen shot. What is " unknown ''? Screenshot # 2 2. They are dropping my score because I have paid down 61 % in 2 open loans that I have. One is a self credit builder loan which I owe {$220.00} and my other loan I am keeping open to build credit is {$950.00}. I have now paid both of these off because I guess having {$1100.00} in open credit is considered high risk? I can't win with this credit company. They are destroying my credit which is ruining my life at this point during a pandemic. Screen shot # 3 and # 5 3. Telling me to apply for credit cards which I should be able to get. But Once I do this they lower my score even more and then tell me a reason my credit is so low is because I am seeking credit. If I follow Experians advice they are lowering my credit EVEN MORE! Attached screenshot # 1 All of these new fico scroes are UNFAIR. They keep coming out with new Fico scores that are INSANE! The auto fico has me listed at XXXX but I'm close to 700 at other credit reporting agencies. This is a scam. They are working with lenders to INCREASE RATES.  Anyone can just say oh we are going to use the auto fico score so we can charge you an insane interest rate. This is totally unfair to consumers Attempting to call the company goes no where. I was on the phone with XXXX at XXXX EST XX/XX/2020 and was told that their score is based on the information that they have. I can see the information in my report but it's clearly not the same information they are using to calculate the score. Why is the fico 8 from Experian much much worse than the other companies? No one can answer this question. When I asked to dispute an error I was told to do it on the website but you can only dispute one time. And I couldn't dispute on the phone because of course they are closed. Seems like this process is much more difficult than it needs to be to keep rates higher for everyone. 
Disputing errors on your report clearly doesn't improve your score as much as it should. They are not being clear about their scoring.

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 2020-05-12
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency IC Systems is reporting a {$190.00} debt from XXXX XXXX XXXX to XXXX XXXX. This debt is from 2007 and is being report as 2 years and 3 months old. I recently disputed the information with XXXX XXXX however, the results did not change the inaccurate information being reported. Their contact information is : XXXX XXXX XXXX XXXX  XXXX, MN XXXX United States 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 2021-05-03
Company: BTH Management
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company Plaza Services is reporting an account that was discharged to me being a victim of identity theft. I have the police report that was filed and the Federal Trade Commission report Affidavit attached as my proof and record to have this erroneous information deleted as soon as possible. The creditor is listed as XXXX XXXX. This file was resolved almost over 2 years ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 tried to send letter to transuion to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/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 2018-04-23
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Letter was sent to Transunion dated XXXX in regards to permissible purposes Title 15 US Code 1681n. Transunion then sent a letter stating they could not find a consumer file for I the consumer, ( I also put a freeze on my credit report ) Transunion Never answered 15 USC 1681n. Transunion sent a letter to I the consumer dated XXXX stating they could not locate a file with the consumer 's name I then sent a certified letter to Transunion regarding method of verification XX/XX/XXXX received XX/XX/XXXX XXXX. Again Transunion could not locate a credit file. Transunion has violated several rights protected by the FTC. Transunion did not remove some items on my credit report that were discharged in a chapter XXXX bankruptcy. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Transunion pay for violations, I ask that Transunion execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of  America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.

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