BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: LEXISNEXIS
State: IN
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:
Still at with Lexis Nexis. At last count, 39 Disputes. As of XX/XX/XXXX the fix has been ; We have now no Car ( we own one ) We have now no Home, no Home at all. We bought, own and maintain a Home since XX/XX/XXXX. 

The previous property listed prior to XX/XX/XXXX we walked away from. A Home Listed in A Bankruptcy that was discharged in XX/XX/XXXX. My one of many deliberate reasons I have issues with Lexis Nexis. XXXX Deliberate as I have disputing this among many more created and stubbornly refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the Federal Tax lien on my credit report with all XXXX reporting agencies and only XXXX has removed it permanently. I contacted TransUnion last XXXX 2016 and furnished proof of Release of the tax lien and they did not remove it from my file.

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 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Bank of American locked all my three accounts including online access, one the accounts is my business account that has money that belongs to my clients used to manage their properties. 
I have been Bank of America 's client for about forty ( 40 ) years and during that time I have transferred money to other banks for CD purposes on a regular basis without any issues, however, during the last three months I decided instead to wire money to other banks for the purpose of trade. From the beginning BoFA would purposely delay the wires and contact the other banks alleging that the money is fraud to the point that those banks would deny my accounts with them. 
Each time I wired money I would get constant annoying calls from BoFA wanting to know why am I wiring money and why do I want to get involved with XXXX and badmouthing to those banks so that their clients would in turn denied my access, including a {$100.00} transfer that I attempted to send via BoFA debit card to XXXX as BoFA declined the transfer and consequently XXXX denied my access. 
BoFA is even delaying cashing a check that was transferred to BoFA when one of my CDs matured weeks earlier.

BoFA illegally locked my accounts without good cause knowing well that the trail of money came from matured CDs. 
BoFAs illegal behavior has caused me great financial hardship and emotional distress.

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 2023-01-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for loan to help with certain financial circumstances. Although I knew what I had to pay back, I was unable to do so due to my fiancs health and moving expenses. I tried to keep up with it but I was unable to manage it. A few weeks later I received a mail ( without any summon or without any court notice ) that my wages are now being garnished. I called them to see any other their payment options but they said that I have a past due balance of $ 1000+ and in order to remove the wage garnishing that balance is to be paid. And on top of that, the interest will accrue daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A settlement was reached between U. S. Department of Justice and the Consumer Protection Bureau and Ally Bank for allegations of discrimination in auto financing. After notified of the lawsuit a few months later I received a letter from ally bank noting that I was to receive a credit on my loan and will be reflected on the following billing statements. The letter was dated XX/XX/XXXX. I have since called and found out that my payments were adjusted and instead of a decrease they increased from XXXX to XXXX. 
I have called and In fact the monthly payments did increase with no changes in length of total amount financed. Customer service states credit has been applied. I have the correspondence letters. Please send contact information of whom I should contact next. 
Thanks so much for your assistance. 
XXXX XXXX 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 2023-06-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I just want to link my account to the XXXX investment app to help manage finances and save money. The app says the bank has changed rules to not allow my request to be put through and won't let me link the account through the app via XXXX I just would like to authorize it and hope the bank changes it policy or allows my personal consent for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XXXX - XX/XX/2018. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I made a payment to Synchrony Bank for my XXXX XXXX Account. On my statement it indicates that I have a promotional purchase ending in less than 60 days. The promotional purchase was 0 % interest purchase, I tried to pay off the balance of the purchase to be told I can only pay out of my checking account and no other payment methods were accepted unless it was through XXXX XXXX. After making my payment of {$120.00} ( minimum payment due was {$100.00}, I was told that I can not apply my full payment to the promotional purchase set to expire in less than 60 days. Instead, {$76.00} dollars would be applied to my other promotional purchase that expires in XXXX and the remaining {$45.00} would be applied to my expiring promotion. I spoke that the representative to see why it was set up this way and I could not get an answer. So, I questioned the practice of Synchrony Bank splitting my payment and asked why a larger amount of money would go to the promotion that expires in 3 years and not to the promotion that expires in XXXX. 

As I was reading my bill, I noticed that I have been charged interest on a 0 % interest purchase and that I have been assessed a late fee on the purchase that was 60 months same as cash. I was unable to resolve this issue with Synchrony Bank and informed the manager that I would be filing this complaint due to questionable and unclear payment practices.

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 2021-06-09
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation 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 non-monetary relief
Consumer complaint received 2021-07-06
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We are receiving robo calls from Navient XXXX two or more times a day except on the weekend. When we pick up it states to select an option to connect to loan agent. We do not have any loans and are older and retired. I looked up the company and it is for student loans. Neither of us had a student loan. We would like the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My account has been set up on auto pay for years. All of a sudden, I log in and the account is overdue. When I reached out to Capital One they said that they did not try to send me an alert because my email was old. WHAT??!! So instead of picking up the phone and calling, they did nothing - except charge me an overage fee on XX/XX/XXXX and XX/XX/XXXX. {$39.00} and {$25.00} respectively Good luck getting ahold of these people. For reasons unknown they actually dont have an email function ( yes, in 2018, no secure email ) or a chat function and they try to dump you in 1-800 XXXX. After spending 20 minutes trying to find a way to get ahold of them I messaged them on Facebook ( so sad that anyone should have to resort to that ) and they sent me a link for a chat. 

The representative was very unhelpful ( conversation is attached ) and transfered me to an equally unhelpful, unapologetic manager.  When I voiced my concerns about the damage to my credit report his response was that the account has been late 14 times since it was opened. Are you serious? It was opened when I was in college over a decade + ago, so yes, since then I have cleaned up my credit. How is that an approrpiate response to the problem that we have at hand today? NOW my credit score is over XXXX because I have made sure everything is paid on time. Or it was before Capital One messed it up. 

They did update my email so they can now email me if a payment is overdue ( which I had no idea they were unable to do - my email never changed or bounced anything back ) and they did not pick up the phone to call me to alert me to this payment being due. If the alert system did not work ( which they admit ) it seems reasonable that the auto pay system might have glitched too and this has now damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts 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 explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Balance : {$14.00}, Open Date XX/XX/XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2018-05-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I already submitted a complaint for discriminative closing of account without notice. 
From a deposit caused by my employer request : XXXX XXXX XXXX, of {$4900.00} issued by XXXXXXXX XXXX  XXXX XXXX or XXXX, the check from bank statement returned unpaid because of counterfeit!!!! bank Suntrust applied a {$36.00} returned item fees + {$3.00} ATM balance request fee for a total of {$39.00} making mt account with overdraft fee - {$39.00} due to bank suntrust making the account closing! I submitted supportive documents on this website and the bank calls me acknowledging of making a decision about it ; but nothing else changed, I receive a letter of statement saying that no item were returned 0 item returned after 1 item deposit? but balance stays {$0.00} I did make a check of {$4800.00} to pay a merchant from that account, the {$100.00} balance should be my start up bonus from : XXXX XXXXXXXX XXXX! But the bank suntrust without clear explanation of what happened : why stating a returned item unpaid, than counterfeit, sending a legal copy stamped counterfeit????? 
why applying a return fee of {$36.00} and close the client account without notice? 
why stil clsed claiming that no item was returned, maintaining the account at the opening balance of {$0.00}, because this account was oened to make future deposits not immediate funding deposit???? why?? and moreover no apology written to shows their discomfort toward this succession of mistakes from their employees?

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 2021-07-21
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debit from my doctor and i couldnt pay it so they forward it to AMERICOLLECT, this bad company didnt just place the collection for the amount, they split it into XXXX collections to harm my credit and force me to pay it, i called them and i asked to pay each one separately as they posted on claims, i would pay XXXX and they would remove it i said, they refused and they wanted me to pay for the whole thing. 
i do n't know whats going on and how they are able to twist the law like this, for XXXX claim they separate it into XXXX and refuse to settle each XXXX separated as they posted, i believe there is no control on these companies who abuses the collection laws.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation