BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Two fraudulent charges appeared on my visa debit edd card. I have not been given a reasonable opportunity to address the charges and have them resolved. I can document the 5+ hours I spent on hold today spread over 3 call attempts. 

I called and spoke with customer service at Bank of Americas CA EDD division at XXXX. At XXXX I was transferred to a claims department agent. I can document the length of my unsuccessful calls to report fraudulent charges. 

When I was eventually connected to the claims department eventually the operator asked me to hold after asking a few account ownership questions. Moments passed with no speaking ... I asked if she was still helping me and the call suddenly dropped at exactly XXXX PST. 

It is impossibly difficult to get through and once getting an agent on the phone it seems that a game is played.

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 2022-04-06
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  has seen letters to remove. AmeriFinancial Solutions , LLC has added 2 transactions to my credit reports and have NEVER contacted me prior to posting to my credit report. Whomever they are collecting a debt for has NEVER contacted me because I do not owe anyone!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: PA
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 sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information.

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 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to all three credit reporting agencies requesting that the Bankruptcies that are reported on my account should be remove do to the fact the the federal courts do not report any of this information to them. They receive this information through a third party. Upon ordering a copy of my credit report, I see two entries listing Bankruptcy Chapter # XXXX one in XX/XX/XXXX and one in XX/XX/XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.. 

I have sent three letter to the credit agencies and have never received anything back again under the FCRA they must send validation with in thirty days of the dates of the letters. I have also call the credit agencies and still do not know if the have put a dispute on the account because they have not told me but I do know that they have not removed the Bankruptcies Chapter # XXXX. Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate.. The agencies have found information on bankruptcys through third-party research. 
I would like to have the name of the person that has worked this case and copies of letters they have sent me. Because I have the copies of letters Ive sent then but no reply but a copy of the credit report Dated XX/XX/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 2020-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I got scammed by someone who sent me a check to purchase an item I listed on XXXX. They asked me to pay forward part of that amount to another party as moving charges ( shipper ). I deposited the check in my bank of america checking account and they credited the amount. Based on that I made a XXXX  payment of {$960.00} to the so called shipper. Six hours later the check bounced. It was a fake check as I found out later. When I asked bank of america why the amount was credited, they said it is a normal practice to do so in good faith for their good customers. I was shocked because I had made the forward payment based on the assurance that the credit was done. Later that amount was debited from my account along with a fee for failed check. Bank of America takes no responsibility for this practice which they admitted they are aware that scamsters misuse. They know of this fraud..it is very common yet they are not changing this practice.

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 2023-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
They add insurance for the vehicle Motor and transmission that I did not ask for. Also 5 years paint and fabric protection with XXXX company

Company response to consumer: In progress
Consumer complaint received 2023-05-06
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclays has been putting a hold on all of our payments since XX/XX/2022 for 7 to 10 days when this issue was raised to them so that means we are paying additional interest to the balance while the payment is not getting posted. This should be illegal. The agency should open an investigation to this illegal practice by Barclays

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 2023-08-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Trasfered money via ACH into Cryptocurrency exchange. Week later they froze my account and restricted my account 's selling, buying, sending feature. Been a month and tried multiple times to reach assistance to remove the restrictions. Funds from my bank have cleared but Coinbase still holding my money/assets hostage. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an XXXX business account with American Express on XX/XX/XXXX with a sign up promo for XXXX XXXX  for spending XXXX dollars in three months. I completed this spend on XX/XX/XXXX and waited the 3 months necessary to get the reward points that Amex says they can take. They managed to post the award bonus for my XXXX personal card ( XXXX points for {$3000.00} spend with an additional XXXX points on completing {$5000.00} spend ) which is shown in the screenshots below, but they never posted my XXXX business sign up bonus. At this point, I contacted american express and opened a case looking into why my award points were not awarded despite meeting the minimum spend. This was supposed to take 6-8 weeks. 8 weeks later I complained that there was no resolution to my open case and they said they would escalate my case. This was 2 months ago, and I am nowhere close to getting the promised award bonus. 

In their response, the company acknowledged their mistake and said : " We have issued XXXX bonus XXXX to your account on XX/XX/XXXX. These XXXX  have been transferred to your XXXX account and will post in 7 to 10 business days. '' This has not happened, and it is already XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Mitchell D. Blum & Associates, LLC, requesting I pay {$49.00}. I believe this bill originated from XXXX XXXX XXXX and it is erroneous in nature. This bill collector is attempting to debt that is not owned by me. I have to insurances XXXX being XXXX, the other is private. XXXX has never received a bill from this hospital for services on the date of XX/XX/2020, I was never seen at this hospital on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Affirm Holdings, Inc
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I order a XXXX XXXX Tv from XXXX through Affirm. Tv was left on porch and no one was home a tv was stolen. I do not possess the Tv so I shouldnt have to pay for it. They said they would send me a replacement if I kept up with my payment but after no response I quit making payments. I also have the police report where the item was stolen and wasnt supposed to be left in a porch. I dont have this tv and would like for this to be taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I went to bank of america atm tried withdrawing {$600.00} and there atm malfunction and said the transaction will be reversed but wasn't and no cash was dispensed but my account is saying {$600.00} less now. I called and filed a claim twice and im getting nowhere one time they closed it and not resolved the they said they reopened it. I don't get it all they have to do is log in to the atm check the system and the camera and they'll see that no money was dispensed. But there not taking any actions.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attachment : In the three attached credit files ( XXXX, XXXX, Experian ), you will find alleged inquiries both 'hard ' and 'soft, ' and alleged accounts that are vehemently unlawful pursuant to Title 15 U.S. Code , Chapter 41 1681 ( b ) 1681 ( i ) and in violation of The Truth in Lending Act ( TILA ), Title 15 U.S. Code 1601 et seq. and specifically 1635 ( a ).

These alleged inquiries, both 'hard ' and 'soft, ' and alleged accounts also are non-conformant with the Metro 2 Format outlined in your own Credit Reporting Resource Guide ( CRRG ), 2020 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: NC
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:
found out someone was using my ssn to open a XXXX XXXX XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: GA
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 opened an account and I was never notified. Now its in collection at a place called XXXX 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 non-monetary relief
Consumer complaint received 2021-02-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Care Credit Account # XXXX from XX/XX/16. Please note the original debt was for {$350.00}. I attempted to resolve with the creditor. However, I was told that they would not validate the current debt amount of {$970.00}. I am disputing the difference in amount. 

Creditor refused to validate the debt or provide proof of documentation.

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 2023-08-19
Company: ADP Inc.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I informed Wisely aka ADP aka XXXX XXXX XXXX XXXX was draining account. 

The wisely card was used for XXXX. 

Wisely aka ADP aka XXXX XXXX XXXX said they sent a card XX/XX/2023 which was never sent or recieved ( Mail Fraud by financial business automatic XXXX to XXXX mil penalty ) I fought XXXX to unlock card, they will argue they opted resolutions but I couldnt at the time due to no cellular service as ADP ( wisely locked my account with XXXX ) I had {$7.00} left after I fought with ADP and waa told 3 hours and we are closing your account for rude behavior on ADP 's clause 13? which I had no clue existed or had access to contract/ those clauses ( fraud there too ) XXXX XXXX XXXX XXXX XXXX XXXX claim my {$7.00} XXXX leftover check was sent around XX/XX/2023 but claims returned ( USPS note from worker states otherwise, double mail fraud on ADP and now XXXX XXXX ) Federal Crimes are Federal Crimes .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}

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 2018-07-28
Company: Altisource Portfolio Solutions, S.à r.l.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a XXXX Veteran and I am/was a customer of XXXX XXXX XXXX ( XXXX ) home warranty paying {$53.00} a mo for coverage - Six ( 6 ) months ago I received a letter from XXXX reflecting that I was overdue for that months pmt - I have been signed up w/XXXX since moving into our home back in XX/XX/XXXX and had pmts set up on direct debit/electronic fund transfer to XXXX monthly for the {$53.00} pmt - I subsequently contacted XXXX to find out why my pmt was late as I have been on direct draft pmt for the last three yrs - I asked the XXXX rep what happened and they couldn't give e an answer - I then received a second notice of overdue pmt for the second month in a row - with debit card information ( 16 didget number ) enclosed in the 2nd letter that was incorrect - I once again called XXXX and asked them what happened and that the debit card info on their 2nd letter was not mine - The next four months went by - my wife or I haven't submitted a request for any type of services from XXXX - and now after six months have elapsed since receiving the 1st and 2nd past due notices form XXXX - we have now received a collection notice from XXXX XXXX XXXX. in XXXX XXXX IA which reflects we now owe {$160.00} and that it has to be paid w/in 30 days of the date on the credit collection agency of XX/XX/XXXX. Upon receipt of the collection notice I once again called XXXX and asked to speak to a supervisor - ( foreigner ) did not have command of the English language and did not attempt to resolve or even listed to my dilemma - and hung up the phone on me - I attempted a 2nd call - both calls in succession today the XX/XX/XXXX @ XXXX and XXXX XXXX - to no avail the rep would not allow me to speak to a supervisor the 2nd time I called and did not offer any assistance of any type or listen to my dilemma. I requested that both of today 's calls be annotated on my file and that I was reporting their company to the XXXX XXXX XXXX and what ever other agency I can report them to as a victim of their direct negligence to listen, assist, and resolve my billing discrepancy they are responsible for this mistake that XXXX we feel is directly responsible for - My wife has also contacted XXXX in trying to explain this same situation but was told that it is our responsibility to pay our debts - Our argument is that " HOW DID OUR MONTHLY PAYMENTS GET STOPPED WITHOUT MY AUTHORIZATION OR REQUEST TO STOP? '' Then to receive past due notices without no explanation?

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 2023-11-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit 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:
I found out that a lady the cleans our office to our apartment we own took a picture of my Synchrony Belks MasterCard and opened a XXXX XXXX  account and XXXX XXXX account and XXXXXXXX XXXX account and was purchasing services with out my promission. I called the police and filed a police report and called Synchrony Bank Fraud division to dispute and have a new card replacement and go over the the charges, They Synchrony credited my account back from the fraudulent charges but after 3 months they reversed the charges and told basically I lied. The fraud investigator from the fraud department was extremely rude and told me I was a lier and I did these charges, I'm XXXX XXXX XXXX and I do not lie. So I called and talked to he's supervisor and she reopened the fraud claim and for me to resend the police report and signed documents that Synchrony sent me, So the investigator who is now handling the fraud dispute stated they guarantee I will be credited back and i'm not responsible for the fraud transactions. I called and spoke to the investigator on XXXX  again and he stated they are already crediting my account back. Now on XX/XX/ I get a emailed letter to my account stated that I benefited from these fraud transactions and I am fully responsible for the payment. Well the police have arrested the lady who stole my information and has already gone to court and she plead guilty and has already paid back the Money through the courts and now is on felony probation. Clearly the fraud division with Synchrony is not helping and doesn't care about they customer and I will take this all the way to the courts before pay this, In big letter its says your not responsible for fraud transactions and I sent the bank the court documents and police report and XXXX from the lady who stole my card information.

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 2023-04-28
Company: EQUIFAX, INC.
State: RI
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:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$160000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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