BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, a transaction in the amount of {$130.00} posted to my account. At the time of posting, I had sufficient funds in my account to cover the transaction and once paid, I was left with a balance of {$7.00}. On XX/XX/XXXX, I noticed that I had 3 transactions ( {$16.00}, {$9.00}, {$27.00} ) in processing status and needed to add additional funds to my account to cover. I contacted BOA via chat and the representative confirmed that as long as I make a cash deposit today, the checks would clear. So I made a instant deposit via XXXX for {$58.00} to cover the charges, which left a balance of {$10.00}. Later that evening on XX/XX/XXXX, I checked my account and saw that I had a pending overdraft fee. I assumed it would automatically be reversed once everything posted, but it was not. On XX/XX/XXXX, I checked my account and saw that my account incurred an overdraft fee for {$35.00} with a posting date of XX/XX/XXXX. Once the overdraft fee was applied, it left me in the hole at- {$24.00}. 

What's concerning to me is that the overdraft fee was for the XX/XX/XXXX transaction of {$130.00}. However, as shared earlier there were sufficient funds as of the date of this transaction to cover the full amount. So, I contacted BOA via chat to request that this fee be removed. However, the representative refused to remove the fee. The rep shared that the 3 transactions that posted on XX/XX/XXXX, starting processing on XX/XX/XXXX, decreasing the available balance. However, those transactions were showing as processing in my account on XX/XX/XXXX, not XX/XX/XXXX. The rep directed me to a link only accessible from the overdraft transaction, called " What triggered this fee? '' The link directed me to another activity log that showed transactions for XX/XX/XXXX. The transaction that incurred the fee had cleared, while the other 3 were in processing status. However, the ending balance still reflected {$7.00}, since the 3 transactions had not posted. Based upon this review, the 3 transactions in process would have posted first, followed by the {$130.00} transaction, causing the overdraft fee. However, that wasn't how it worked. The {$130.00} actually posted on XX/XX/XXXX, followed by the 3 transactions posting on XX/XX/XXXX to my account. Either way, both logs reflect a remaining balance of {$7.00} after the {$130.00} transaction posted, so an overdraft fee should not have been charged. 

Attached are snapshots and printouts to support my complaint. The documents have been redacted to remove personal info and transactions unrelated to this complaint.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I obtained a secured credit card from XXXX XXXX XXXX XXXX XXXX with a deposit of {$300.00}. After 1st month card had {$300.00} charged on it. I paid first payment and tried to close acct. They would not close it. They had my {$300.00} and I had {$300.00} in charges I tried to close acct again. They didn't close my acct they continued to charge me interest on the {$300.00}. My {$300.00} went in their pocket I guess. my acct was sold to MIDLAND CREDIT MANAGEMENT in the amt of {$630.00}. I don't owe them anything and their negative report on my credit report is hurting me. Please help me resolve this. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My Toyota  XXXX  was repossessed from my driveway. I wa s three  payments away from having the lsix year loan paid in full.   now on my credit report it reads tha t I/O Toyota  {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: VA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made the full amount of XXXX dollars to XXXX XXXX XXXX on XX/XX/2019 and I called them to remove that from report, they never did. I what to know what I'm supposed to do next and what actions?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023. I booked a rental car with online car rental broken ( XXXX XXXX  ) -I pre paid for the rental on the same day using my American Express Card .

-I arrived at XXXX XXXX Airport to pickup the car however the ( XXXX Agent stated He could not release a car to me as the system would not allow it ) I spoke to their customer service team at the same time over speakerphone at the airport at the time of rental. 
The customer service agent agreed with the counter agent that they could not release a car. 
Upon returning home I was angry and I sent a formal email to XXXX XXXX XXXX about the incident ( my Rental was booked at XXXX hours ) There would be CCTV and my wife who dropped me to the Airport to Collect the car is proof I was there at thhe right time. 

( XXXX XXXX XXXX XXXX  ) has been a problematic company to deal with, with no telephone numbers just emails. I have my enitre records of emails with them. 

On the same day and date I realised something was not righht so at the night I contacted American Express raising a dispute charge against XXXX XXXX XXXX for the XXXX XXXX XXXX ( I called Amex on the night and told them about the incident and thhat XXXX XXXX XXXX should not get paid as thhey refused to provide a service which I purchased.

However AMEX the and their unwise customer service chat agent raised a dispute with XXXXXXXX XXXX XXXX for a charge in XXXX for a booking in XXXX. 
( I would come to realise what they did sometime later when they refused my dispute thhe mistake they made ) I corrected it and they still screwed it up multiple times. 
Finally AMEX returned a dispute note to me saying They were happy with the lies XXXX XXXX XXXX  have provided them thhat " I did not show up for my rental '' I have witnesses along if needed i will get thhe name and staff memeber at XXXX who dealt with me as evidence I showed up. 

This whole month stressful not only having to deal with a awful credit card company that really does not offer any form of protection for paying online but at thhe same time dealing withh lying firm and car rental broker XXXX XXXX XXXX  and a pathetic XXXX rental company. 

I have enough evidence and AMEX should have enough evidence as I had to book a car the following morning with a more reputable car rental company XXXX. 

I was booking a car as my personal car was rear ended. 

AMEX wont accept liability that they paid a firm who failed to provide a service that I paid for and shhowed up at the right time to collect! instead thhey have believed the lies of a rental broker who has no evidence for any of their claims! 

I would like my money returned I paid for a service I did not get and if not I will proceed witht heh matter legally AMEX failed to provide any protection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MI
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 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Lending Club Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to payoff a loan since XX/XX/XXXX. I sent a personal check and they did not receive it per them. XXXX XXXX bank issued a stop payment and sent out 2 more checks. One to payoff one of my accounts XXXX for {$11000.00} and a principal reductions on another account XXXX for {$2500.00}. These checks cleared by account on XXXX and Lending Clubs on XX/XX/XXXX but Lending Club has not posted them to my account and they say they do not have them, but it takes 7-10 to post or 10-14 days depending on who and what day you call the story changes. It was on auto draft but they took the one off auto draft that I was paying off, but I am afraid they are going to report me to the credit bureaus. They say they won't be they can not be trusted. I have called everyday for 2 weeks now and I get the run around and now they want me to do there job and track down the checks. I have attached to this compliant, but I am not getting anywhere. I see that the FTC filed a compliant against Lending Club through the XXXX. That should say something about their creditability. I want the checks posted to my account and a signed letter from Lending Club stating that I will not be turned over to the credit bureaus for any late payments..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please consider this as my formal complaint to the LOCAL FINANCE COMPANY for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected 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 non-monetary relief
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: TN
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX , have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2023-07-05
Company: SYNCHRONY FINANCIAL
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:
Care Credit which is finance by Synchrony Bank has ruined my credit by reporting a late payment for the month of XX/XX/XXXX. I have worked very hard to maintain good credit and this situation has caused me so much stress and sleepless nights. I have been in an on going battle with this company in regards to settling my account since becoming unemployed. I opened my account in XX/XX/XXXX at which time I signed up for their card Security program, which is advertised as a source of protection in the event you become unemployed or disable. The monthly fee for this program was {$230.00}, this fee is a percentage of the daily balance. I paid this fee and my minimum payment every month on time for over a XXXX years. Unfortunately, due to the effects of covid the company I worked for experienced serious financial hardship and laid me off. I contacted Card Security to inform them and to initiate a benefit claim. My minimum payment was paid for 3 months then all payments stopped. I was sent a letter stating that I had not submitted the requested documents needed to further review my claim. I called and spoke with a rep to explain that I did submit the documents by uploading them to their online portal. The rep stated that their portal was down and could not verify if my documents were received. The portal was down for over 3 weeks at which time I was told that I would need to resubmit the docs again. This went on for several months. I have submitted all documents and they keep giving me the runaround. They took my money for a over 2 years and at a time when I really needed assistance, I was denied and given 1000 excuses.. I have spent countless hours on the phone with a rep or on hold trying to resolve this matter to no avail. During this time, I've had to make my monthly payments while being unemployed. I received a letter in XX/XX/XXXX, stating that a payment had been made in the amount of {$700.00}, which did not satisfy my balance. When I called in to inquire why, I was told that my benefit was approved for " reduction in work hours '' and not for unemployment. I requested that my case be escalated to a manger and to this day I still haven't received a response or a call back. I have been charged with ridiculous interest fees. I need the late payment for XXXX removed immediately. My credit score has dropped over XXXX  points. All my other creditors show that all my payments are on time. I need this corrected asap.

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 2022-08-16
Company: EQUIFAX, INC.
State: MI
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/22 I received a notification of two hard inquiries from XXXX  - XXXX XXXX XXXX XXXX XXXX as well as one from XXXX. I've contacted both to report fraud and cancel the applications. Also all the appropriate steps were taken such as freezing my credit and creating identity theft alerts at all 3 credit bureaus. Equifax who XXXX XXXX and completed their dispute with the results that the inquiry was " factual. " XXXX was great about investigating and removing the inquiry almost immediately. I have high hopes for XXXX. 

Thank you so much! You guys rock for what you do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NJ
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:
n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy CourXXXX XXXXXXXX XXXX  case # XXXX 15 U.S.C 1681 SECTION 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Rhodes, Kelly Assoc Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have a collection charge for 2016 that is not mine

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