BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: PERSIAN ACCEPTANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found multiple inaccuracies on the way it's reporting into the major credit bureaus. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
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:
I have two Credit Cards with Bank of America and it has been a nightmare. I had to stop using it due to unfair fees and their website not properly working. Mobil app is inaccurate. People, please READ this before applying for a Bank of America Card DO NOT apply for a Bank of America card. On XX/XX/2021 I spoke with a representative from Bank of America and recognized that there was a fee of XXXX plus interest charge on one of my Credit Cards. On my two credit cards, I have my checking account. However, Last month only one of my cards was paid with my checking account. My checking account is listed, but Bank of America FAIL to take the payment. After calling several times now Bank of America representative stated that there are no records about my complaint on the XXXX indicating what the representative had said about refunding the {$25.00} USD and the written complaint indicating that there was not fair for me to be charged a fee. THAT is EXTREMELY SCARY. Citizens how can we trust a company like this. Most of us have been abused over and over and this situation must come to an END, STOP! 

I want the written complaint from the representative that I spoke with at XXXX XXXX  on XX/XX/2021. According to the Bank of America representative that I spoke with on XX/XX/2021 there is no record that I talked to someone at XXXX XXXX  on XX/XX/2021, and stated that the representative did not write a complaint. That is NOT true. 

Bank of America Must get the conversation on XXXX XXXX  on XX/XX/XXXX since the first thing they said is " your call will be recorded ''

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 2018-04-16
Company: Spec Hoffman Auto Sales Inc.
State: NC
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:
On XX/XX/2018 I took my XXXX XXXX XXXX daughter to a car lot o look for a car. We told the salesman that we were going to look around. He kept asking for my information and I only gave him my name and stated I was not ready to proceed and did not want my credit ran until I had made a decision. There was a car that my daughter liked and she gave him a check to hold for earnest money deposit. She later went back and picked up the check because we found another car she liked better. This salesman contacted my daughter on XXXX and hounded her as well as somehow found out my employer and contacted them trying to reach me.I do not know how he got this information. He also made a hard inquiry on my credit without my consent. This is still showing up on my credit report after I contacted the company Hoffman Auto Sales in XXXX NC. I explained to him that I did not authorize him to pull my credit and that it was extremely unprofessional of him to contact my XXXX XXXX XXXX daughter on XXXX as well as " dig '' into my personal information to find out my employer, contacting them just to hound me about buying a car from them. I reported this to the manager of the dealership but was never giving any resolution or contacted further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
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: Account information incorrect

Complaint:
I paid down the balance of the XXXX XXXX credit card last month prior to the XX/XX/2018 reporting cycle via trans union. The balance of the account shout reflect {$3300.00} not {$8800.00} like its currently reporting. XXXX has the correct balance but not transunion. I tried resolving with XXXX XXXX with negative results.

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 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While incarcerated from XX/XX/XXXX until XX/XX/XXXX, multiple fraudulent accounts were opened in my name. All of the accounts were opened while I was in prison and are a result of identity theft. Bank of America allowed 3 credit card accounts to be opened in my name beginning in XXXX of XXXX. The accounts were closed at my requested in XXXX of XXXX. A XXXX 's XXXX XXXX XXXX  account was opened during this same period with a balance of {$5000.00} in addition to a XXXX department store charge card with a total of {$2000.00} in fraudulent charges. I contacted XXXX XXXX XXXX XXXX  to dispute these accounts. As of today only XXXX  has removed the fraudulent accounts. XXXX  reported the fraudulent activity to XXXX XXXX XXXX, however neither XXXX or XXXX has removed the fraudulent accounts from my credit file. Bank of Americas credit cards have a total of {$35000.00} in fraudulent debt opened in my name. Bank of America XXXX XXXX XXXX has a total of {$17000.00}. Bank of America XXXX XXXX XXXX has a total of {$9700.00} in fraudulent charges. Bank of America XXXX XXXXXXXX credit card has a total of {$5800.00} in fraudulent charges all as a result of identity theft. All of these accounts were opened as a result of identity theft while I was incarcerated. I do not know who opened these accounts and have exhausted all my options and resources to resolve this matter.

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 2018-06-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX in XX/XX/XXXX. I started to have some financial difficulties towards the end of the lease in XX/XX/XXXX. I was behind 3 months to the best of my knowledge and the vehicle was repossessed XX/XX/XXXX. I waited for a final bill and was shocked when I was charged and additional over 5K plus the outstanding balance which as only 3 months. My payment was XXXX per month. I then called XXXX XXXX XXXX ( Chase ) and asked why I'm being charge so much. I was told when they went to sell the vehicle, it sold for less than what was expected, so that difference goes to me. Again, I have never heard of this type of process when dealing with a lease. I know I was over the mileage and I expected to pay that as well. However, I was told by the dealership ( XXXX XXXX ) all I had to do was fulfill my lease agreement and if for some reason I went over the mileage I may be responsible for the overage. Depending on if I went into another lease or purchase. Mileage was a concern when I purchased the vehicle. The dealership assured me that it could be worked out. I feel like I was lied and taken advantage of. This was my first lease as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX with the XXXX and Transunion..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.

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 2018-10-15
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. 
This account needs to be immediately removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: NY
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 in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing 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 non-monetary relief
Consumer complaint received 2020-08-30
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: Information belongs to someone else

Complaint:
i recently obtain a copy of my credit report and noticed accounts i did not authroize

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 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 30-60 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
By the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
By the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  # 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 reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2018-06-29
Company: SYNCHRONY FINANCIAL
State: TX
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: Problem with personal statement of dispute

Complaint:
There has been previous issues involving XXXX XXXX XXXX online " Bill Pay '' and SYNCHRONY FINANCIAL and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

Synchrony tells me the collection dept made attempts to collect $ XXXX/month and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX/month since opening the line of credit.

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 2019-08-29
Company: Debt Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Recovery Solutions is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from Debt Recovery Solutions. 

I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b (  2 ). 

Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. 

Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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: Information belongs to someone else

Complaint:
" " '' I have disputed this Public Record on this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2020-10-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, On XX/XX/XXXX, I made my first mortgage payment on time in the amount of {$2400.00} and also included an additional principal payment of {$45.00}. These initial mortgage payments were made to XXXX XXXX XXXX my initial mortgage provider ). 

My loan was then transferred to Lakeview Loan Servicing , LLC. My principal balance with Lakeview Loan Servicing does take into consideration this additional payment Lakeview Loan Servicing states my principal balance after the first payment is {$430000.00} XXXX  stated my principal balance after the first payment was {$430000.00} I have called both parties and written to them and have been ignored saying the issue can not be fixed. 

Kindest regards, 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 2022-08-08
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
You must delete now! 


602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

603.Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XXXX.XXXX.18, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX Ref # 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 2018-06-29
Company: CU Recovery, Inc.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
received 2 title loans from XXXX XXXX XXXX XXXX XXXX XXXX. payments were made and then fell in to a financial problem. hours of work were cut and income went down and then both vehicles went down with problems. couldnt make payments for a while and then went to collections. received calls from a XXXX XXXX from CU Recovery. he called my work in XX/XX/2018 and spoke with him. he said to call him back in which we did. he wanted my wife to take loan out of her 401k to pay him which we explained we couldnt do it because we had taken a loan out already for medical costs. next he wanted us to take out a loan from family or friends and explained we couldnt ... nobody had the amount he was wanting. he even trheatened to sue us, which scared my wife. anyway on that call we made arrangements to use our tax refund when we received it to pay him but told him we would not get it for a couple of months. we made the agreement that we would pay XXXX a month until tax return came and then pay the balance of which was {$3000.00} and he said once we paid the settlement offer off, we would get our vehicle titles back. we paid this off and got a notification letter from XXXX XXXX that it was paid. last we have heard from him about anything. have tried calling the number that he would use to call constantly and have texted but no replies have been received from XXXX XXXX at CU Recovery. We did our part and paid off the settlement offer in full, now we are expecting CU Recovery and XXXX XXXX to fulfill their part! all we want is our vehicles titles ... they acted on XXXX XXXX XXXX XXXX XXXX XXXX part..so they are soley responsible for this matter.

Company response to consumer: Closed with explanation