BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
Bank of America ( FIA Card Servies ) continues to report two obsolete credit card accounts. The Bank of America ( XXXX XXXX ) credit card is account number XXXX**** and Bank of America Credit Card ( mastercard ) XXXX****. <P/>Both of these Bank of America accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX )  and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with Bank of America with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. Bank of America has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from 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 2019-11-04
Company: BMW Financial Services NA, LLC
State: NJ
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:
I purchased a new XXXX  at XXXX XXXX and at the last minute they used high pressure tactics to sell me a number of extended warranty products via XXXX XXXX. I wasn't too worried as the contract allowed cancellation within 60 days for a full refund, or a pro-rated refund after that. I have been trying for months to cancel this and just keep getting the run-around from XXXX  XXXX  who  say they can't get a response from XXXX. 

Two of the three products were eventually cancelled ( I don't believe I got the full refund I was entitled although it's hard to tell because the documentation is so poor ). I have tried numerous emails and calls and can not get the third cancelled. 

In the meantime, I've had to pay interest on the loan for these products.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX Card partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
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: Investigation took more than 30 days

Complaint:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Westlake Services, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report shows inaccurate activities my identity has being stolen cause it shows accounts I never open in different locations and I never being out of XXXX XXXX I am trying to rent a place for my family and my credit score is completely ruin! 
Please I need help

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 2022-08-10
Company: EQUIFAX, 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 XXXX and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Tri-State Adjustments, Inc.
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:
My wife had some negative accounts on her credit report she paid all of them all reported that they were paid but XXXX Ive called the original creditor they told me they received the payment in full the credit agency refused to work with us the original creditor has also tried to contact the collection agency the original creditor said it up to the collection agency to report that its been paid we paid this on XXXX XXXX the company is Tri State Adjustment in XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX I also noticed that on XXXX XXXX they reported to the credit bureau that this account is still active which is a lie when it was paid in full on XX/XX/2019 please shut this company down and fine them to the highest level as possible thank 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 explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts 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, Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received a call from XXXX was told I must call XXXX this is XXXX XXXX. If I do not pay the amount of XXXX $ a technitian is outside to disconnect my elcetricity. 
The company asked me to pay only with XXXX because I need to pay immidiately the money. I did on XX/XX/XXXX via my account in Chase. Subsequently, the scammer asked for another {$850.00} when I realized that I was scammed. I contacted Chase, since the fund went to another Chase but they said they can not do anything about it. I contacted XXXX and the same was said. Please note, I am XXXX years old and just came out of the hospital from a XXXX XXXX XXXX XXXX XXXX when this issue happened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been unable to verify this debt. The debt was removed off of my credit report but is now showing fraudulently on my Experian credit report. I have no knowledge of this account and want this debt removed 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 2019-05-12
Company: Southern Management Systems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : southern management systems Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Comerica
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried calling Direct Express myself 6 to 7 times. I was either cut off or couldn't understand the person. I called regarding two withdrawals one in XX/XX/2019 and one in XX/XX/2019 that I did not make. I went to the Social Security office for help but was told to call the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I called the XXXX and made an appointment for XX/XX/2019 On XX/XX/XXXX, I met with an Elder Benefit Specialist to call Direct Express. When she called, we were not allowed to be on speaker phone. I am hard of hearing and the accent of the person was hard to understand. The customer service rep did NOT allow the Elder Benefit Specialist to use the speaker phone. He talked to her directly and had a hard time understanding. I gave permission for the EBS to talk to the rep. the rep told her he had to call an XXXX # associated with the transaction. She was unwilling to anything else. 
I would like these charges/withdrawals that I did not make credited back to my account. I asked for a paper statement and it is being mailed. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Automated Accounts Management Services
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:
XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

AAMS ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Global Trust Management LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The first contact I had with this company they called me at my place of employment and stated that if since i was not going to validate my personal information to forwarded them to my HR for wage garnishment.I asked them not to call me at my place of work. They have called again and said told coworkers that there is a case filed against me, they call call from different number but leave the same callback number to call. They have called me from a XXXX XXXX number and a XXXX number and the company is based in XXXX. 
Global Trust Management also goes by XXXX XXXX and I have tried to explain to them that the online loan that they are trying to collect on from XXXX XXXX XXXX which is unlicensed in the state of Florida and I have a letter from the Division of Consumer Finance in XXXX that confirms that they are unlicensed and that makes XXXX XXXX XXXX uncollectable and unenforceable in the state of Florida. I have paid more than the principle amount on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
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:
On my reports there is a closed account with huge amount of missed payments. MACY'S/DSNB XX/XX/XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account 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 2019-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid 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:
In XX/XX/2018 I did a payment to the IRS with my Credit Card for an amount of {$3400.00}. This payment appears in the IRS records, but it indicates it was reversed the same day. The money was credited to my account on XX/XX/2018. However, the money was taken away from my account again on XX/XX/2018. My bank ( Bank of America ) states that this transaction did go through, and the payment should be with the IRS - yet, the IRS does not have a record of this last payment ( made on XX/XX/XXXX. ) BoA is refusing to look further into the matter, saying that the payment was made, there is nothing else they can do - however, the IRS has issued me a transcript indicating this payment was never made. 
Bank Statements from BoA and an Account Transcript by the IRS have been provided. BoA refuses to acknowledge that the payment never got to where it was supposed to go.

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 2019-11-04
Company: Experian Information Solutions Inc.
State: OH
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 WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.

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 2019-11-04
Company: EQUIFAX, INC.
State: OH
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 WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was repeatedly lied to about settling with this debt collector by its collection dept at XXXX XXXX XXXX XXXX XXXX debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that XXXX XXXX XXXX would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that XXXX XXXX XXXX was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. 
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my XXXX account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my XXXX XXXX card name was not updated to my maiden name ( recently XXXX ) Name on card that was submitted to XXXXXXXX XXXX XXXXXXXX was XXXX XXXX

Company response to consumer: Closed with explanation