BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
The bank of my called XXXX XXXX XXXX XXXX XXXX Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the Bank of America late! The Bank of America refused to change or correct the information. However, they did AFTER receiving the check from the XXXX XXXX XXXX XXXX XXXX. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The Bank of America charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The Bank of America is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX  was the one that shows me the problem and it started with Bank of America. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX   has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX  is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within Bank of America. XXXX  needs to fix this record and do not blame me for the APR because the man at the Bank of America never told me about the APR. I would not want a secured card with a high APR, the Bank of America never told me about the APR. However, the Bank of America and XXXX  both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check XXXX XXXX  XXXX XXXX, it has a proper status as + for a credit. However, the Bank of America has - as a symbol for a credit. I do not like the Bank of America XXXX symbol. It is not friendly. They need to change to + as a credit. It is more proper status.

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 2018-01-27
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened : XX/XX/2014 ( 3 yrs, 7 mos )  Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA I called already. I had insurance when I went to XXXX XXXX, and they even got me signed a medical bill waiver because I used to have XXXX all the time too often. So what's this debt about??? 
I need these bills that are not recognized to be removed, I can't do nothing because of those unknown medical bills. It's not fair ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: JPMORGAN CHASE & CO.
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:
This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Balance was paid off in XXXX of XXXX, dispute was filed immediately after, with no changes coming from the dispute. In XXXX, the balance is still being reported with a {$0.00} balance shown as 120 days late. They are falsifying information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 Recently found out the I had a credit card the was received in my name, THAT I HAD NOT APPLIED FOR. So I reported to Bank of America ( XX/XX/2019 ) as fraud/Identity theft and they proceeded to take the steps necessary for the action. But about a month later I was told that the case was closed and that I was still responsible for the payment due, because someone had already made payments on the payment amount ( NOT BY ME ). So I've recently just learned that it is required of the business to send proof of documentation of the original form that was supposedly filled out by " Me ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: OK
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 received a hard Inquiry on Equifax credit report from XXXX on XXXX XXXX 2017. I was told at XXXX XXXX  where I applied and received a credit card that this is in error as they do n't do hard pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX TransUnion XXXX XXXX XXXX 2000 XXXX PA XXXX XXXX REINVESTIGATION Be Advised : The following accounts are coded incorrectly per XXXX XXXX  Guidelines. 
These are both Retail installment loans, not AUTO LOANS They should be coded as such and as XXXX not XXXX You are reporting these accounts as late instead of billing errors with the error in coding which is causing my score to suffer by more than XXXX points. 

You have 15 days to UPDATE your errors per XXXX XXXX Guidelines XXXX XXXX XXXX Ready to SUE, 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 2019-06-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In my last complaint Experian billed my wife and I two {$1.00} fees each to unfreeze credit. Now they are hitting our credit card with a {$23.00} monthly recurring fee for something we did not authorize. 

Calls to the company is an endless loop through an automated voice mail system. Pleased use the force of the US gov't to get my money bank and to stop this recurring fee, thanks, The XXXX 's

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 2022-02-17
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I traveled to XXXX on XX/XX/2021. Communications in my family village are difficult ; I had no internet connection and unstable phone connection. 

On XX/XX/2021, SunTrust sent a fraud alert to my email, but I could not access my email in XXXX. My daughter was monitoring my email account in the United States and informed me via XXXX of the alert. I called my XXXX teacher, who has helped me in many ways over the past seven years, including setting up my email account, and asked her to respond to SunTrust. I authorized her to access my email account and respond for me to inform SunTrust that this was fraudulent activity. She replied to the alert notification on XX/XX/2021 ( copy attached ). 

Despite that timely response, SunTrust continued to allow these fraudulent withdrawals, sometimes 10 in a single day. A cycle of this began, and notwithstanding our continued emails to SunTrust, we could not put an end to these transactions. In spite of my best efforts and those of my friends and family in the United States, before SunTrust froze my debit card, a total of {$5700.00} had been fraudulently withdrawn from my account by an entity identified on my bank statement as XXXX XXXX. I also incurred over {$100.00} in overdraft fees, because the withdrawals continued to occur even after my account had been drained to {$0.00}. I have highlighted the fraudulent withdrawals on the attached bank statement copy. 

Because of the severity of this situation and my inability to get it resolved, I returned as soon as I possibly could from XXXX. I visited the SunTrust branch in XXXX, XXXX, along with my XXXX teacher and initiated a claim. Upon the suggestion of the SunTrust banker I met with ( XXXX XXXX ), I filed a police report ( copy attached ) on XX/XX/2021. 

Even after my continuous efforts to resolve this issue, SunTrust has denied my claims of fraud, and they refuse to refund the fraudulent withdrawals.

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 2022-08-12
Company: EQUIFAX, INC.
State: OH
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: General Motors Financial Company, Inc.
State: VA
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:
THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. 
GM Financial will not acknowledge that they withheld that information. However the agents on the phone have. the only response has been from a letter from XXXX XXXX XXXX XXXX Department XXXX Complaints XXXX XXXX ) XXXX ( w ) | ( XXXX ) XXXX ( f ) XXXX does not answer or return calls. 
In her letter she stated - XXXX  does not cover any payment extensions you may have received throughout the life of the account. she also recommends calling the XXXX number if we have any further concerns. When this occurs the agents do not know who to connect us to and send us to a random voicemail when asked to speak with a supervisor who also will not return the call. 
- GM Financial is Avoiding our requests to speak with a supervisor. 
- That XXXX  coverage was financed ( while paying interest ) on the loan by GM financial - GM Financial offered a payment extension and never disclosed accepting the extension would affect another product being financed by you. This was never mentioned during call when the offer of the extension was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
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: Old information reappears or never goes away

Complaint:
submitted a complaint to reporting agency and spoke to the collections company. The verbal agreement when this debt was paid was to have it removed. It's shows on my report as paid when it shouldn't be there. 

You shouldn't be able to dangle a removal carrot once a debt has been paid. After making a agreement to remove 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 non-monetary relief
Consumer complaint received 2021-09-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We had an XXXX credit card through XXXX. It was a good experience. The XXXX cards were all moved to Barclays. Barclays practices and customer service are unacceptable. I had to call them three times - each time the wait was over 90 minutes. I was told we would not get a bill from Barclays before the first payment was due ( this seems to be a deliberate attempt to increase chance of late payment fees and higher interest charges ). I tried to set up an online account to pay the card, but I continue to get this error message " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' When I called that number, they did not even ask what my question was, but just told me that I called the wrong number and put me in the hold pattern again. Then, after 95 minutes on hold, they just dropped the call. This is terrible service and those who do not jump through extra steps will get extra charges. Most of XXXX members are older and this seems to be a targeted attempt to take advantage of them/us. I did call XXXX to share my experience. I am not asking for any action on my account. I will cancel the card after I can figure out how to pay the transferred balance. We do not want to be held accountable for any charges that are incurred because of their business practices. I think Barclays should be held accountable for these business practices, and other consumers should be aware. Thanks for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE LISTED ACCOUNTS HAS VIOLATED EACH OF MY RIGHTS. 

XXXX - XXXXXXXX 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 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 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 A ACCOUNT WITHOUT MY WRITTEN CONSENT 15 U.S.C 1681c. ( a 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION AN OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SVEN YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2021-04-14
Company: EQUIFAX, 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 {$600.00}, {$130.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Trident Asset Management, L.L.C.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
I have disputed the late payments XXXX XXXX,   XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. 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. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation