BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a XXXX Extras Mastercard to go with my XXXX account for almost 15 years now. My account has ALWAYS been maintained in good standing. Sometime between mid XXXX and XX/XX/XXXX, my XXXX master card was unlinked from my XXXX account. In addition to that, my payment for the statement date of XX/XX/XXXX ( {$1700.00} ) that I set up ahead of time for XX/XX/XXXX was never shown as being withdrawn from my bank account ( which I directly linked to XXXX anyway ). This has become urgent because I am nearing my credit limit due to home improvements. I have made multiple phone calls to have both problems corrected ( XX/XX/XXXX on phone for 1 hour and transferred to 8 different operators, confirmed my XX/XX/XXXX payment scheduled and account to be relinked within 4 days ; XX/XX/XXXX, confirmed my XX/XX/XXXX payment scheduled and advised to wait another day to see if payment posts and account links ; XX/XX/XXXX, confirmed my XX/XX/XXXX scheduled payment was not processed and advised they have no idea why I can not access my credit card account through their website ). XXXX operators confirmed my payment was scheduled for XX/XX/XXXX from my bank account that is also linked to my XXXX account, which has sufficient funds to make the payment. None could tell me why the withdrawal was not made. I even requested that the payment be made over the phone using my bank account, but I was told she did not have the authority to do that ( ok I get that ). The operator 's employee number is XXXX. Worse, I can't make the XXXX or XXXX payments because I can't access my Extras account! NO PROGRESS ON EITHER matter after all this time. I get passed from one operator to the next, and I was last told this will be forwarded to an account " supervisor. '' I have submitted complaints to XXXX XXXX online, XXXX online, and MasterCard online, as well. At this point, I'm worried that 1. my points I've accrued are gone, 2. my credit report will no longer show my longest credit account in good standing, 3. I'm being charged interest through no fault of my own. Customer service used to the best, which is why I stuck with XXXX Extras for so long. Since the XXXX XXXX took over, customer service has gone DOWN THE TOILET. Please HELP! To make matters worse, I have no access to historical records of my account to do the removal of the credit card from my XXXX account. I have not received any emails from this company for months to notify my about my monthly statements or account updates, despite having an active email account at XXXX for the entire time I've been their customer.

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 2020-11-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft and I notified XXXX, XXXX, and Experian about this XXXX XXXX account showing up on my credit report as a charged off account. I have been notifying them for months and even sent police report and somehow this account still gets updated and verified as accurate. The only credit bureau who actually did the right thing and removed this inaccurate account was XXXX. I don't see why this account did not get removed from Experian and XXXX  as should.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: CO
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:
On or about XX/XX/2020 I called in to Experian to remove a freeze from my report. In the process of taking that action I became aware that Experian had allowed fraudulent activity by way of allowing a fraudulent membership account to be open. 

It started with the gentleman that I was speaking with about a freeze on my credit file informing me I had an account. I realized I couldve opened a free account at some point in the past but I no longer had the login credentials. So he did the verification questions with me ( and honestly they were pretty lame questions ) and then sent me a user ID. 

This User ID was not something I wouldve ever used. That user ID was XXXX - Sothat then prompted me to call in to Experian again. I escalated call to a supervisor who was completely un-sympathetic and stated that since they were able to pass the verification questions they were able to open an account. EVEN THOUGHtheir first clue shouldve been that the name was over 30 years old. The person opened it under my former married name of XXXX XXXX. The only remedy they would offer me was to close the account and put a fraud alert on my files. It does not matter to them that they allowed someone access to my credit file. They also show absolutely no concern whatsoever and insist that is my only remedy. 

Just to be sure I called back today - XX/XX/2020 - and thought perhaps it was just that person that I talked to previously who just didnt want to help. Today I first spoke to XXXX  who was front line member support. She was cooperative in getting me through to a supervisor. The supervisors name is XXXX or XXXX ( not sure of spelling ) who is a Supervisor for Member Services ( that is the only designating factor to identify her that she would give ). XXXX stated the same thing. There is no remedy and had same attitude of we dont care that we compromised your data and was also completely apathetic when I mentioned their first clue shouldve been the name. She said something to the effect that the name was on my report ( again notwithstanding that it was my former married name - again from over 30 years ago ) and so because the name was on the file they didnt question it. 

She also insisted that she is the highest level of escalation available. I dont buy that but shes being an obstinate and uncaring gate-keeper. 

P.S. I am sending in identifying information so that I can now have an account open in my name, which hopefully will prevent future issues.

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 2018-03-30
Company: ERC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received letter from ERC, dated XX/XX/2018, in regards to XXXX. I requested an investigation to be conducted by XXXX, into the manner which my final bill was incorrect. I received a letter from ERC, stating the dispute investigation by XXXX, was complete, and forwarded to their office for collection. I did not receive any information, in regards to the prior investigation being completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: ALLY FINANCIAL INC.
State: CA
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:
Hello my name is XXXX XXXX XXXX. On XXXX XXXX my family and I went to XXXX XXXX in XXXX XXXX XXXX XXXX California. As we were looking at an suv a salesman XXXX came to talk to us he ask for my information he then went back inside came back with the keys. 15 min later a second sales man approaches me saying he allready ran my credit to many banks I was not present, I dont sign or agree for my credit report to be pulled XXXX did not agree to a price. 
I got very upset I told them to please get these hard I inquirys pulled back. XXXX apologize and said he would talk to his manager. Its been one week I have talk to both managers at XXXX XXXX and another manager the both have not done anything about it. I have talk to credit bureaus XXXX, XXXX  and XXXX. XXXX told me the best thing to do is have XXXX called them and pull back my reports but XXXX hasnt done anything. I also called the four credit banks To reports this and they said to contact XXXX. Please if you can do fix this problem I would really appreciated im so stressed about this matter.

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 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
XXXX BOA HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional offer from Citibank in XX/XX/XXXX to open up a Citi Priority Account and get a bonus XXXX XXXX XXXX miles with the following requirement : - Post consecutive billpays - Make {$750.00} in debit card purchases in 60 days from account being activated I took them on the offer and opened an account in late XXXX. 

I received the welcome letter from Citi on XX/XX/XXXX, created my User ID on XX/XX/XXXX, and received an email notification from Citi on XX/XX/XXXX stating that my account is active and ready to go. 

At this time, Citi sent me an ATM card instead of a debit card in my welcome letter. 
I am unable to use an ATM card to make debit card purchases in order to meet the requirement. I then gave them a call late XXXX to request a debit card so that I can make purchases to meet the requirement. They agreed to send me a debit card in the mail. A week and a half letter I received the card in the mail from Citi, but it turned out to be another ATM card instead of a debit card. I called them back and they told me that they will send a debit card again. I finally received my debit card in late XXXX, where I then proceeded to complete the purchase requirement by spending {$1000.00} by XXXX. 

I called Citi to confirm that I have met the requirement of the promotion, and they said yes I have and to wait 90 days to receive the bonus miles. 

It is now XXXX and I still have not received my bonus miles. I proceeded to call Citi, where they confirmed again that I have met all the requirements and that they will be opening up a case to investigate why my bonus miles have not posted. 

I received a letter by Citi in early XXXX stating that I do not meet the requirements of the promotion because I did not meet the purchase requirements. I called Citi and they said that the 60 day spending window ended on XX/XX/XXXX and I did not spend {$750.00} by that date. 

I think this sketchy and dishonest behavior due to the following reasons : - The terms said that I need to spend {$750.00} in debit card purchases in 60 days from the account being activated. 
- I received my welcome letter on XX/XX/XXXX & my account was fully activated on XX/XX/XXXX. 
- Citi sent me an ATM card, which I can't use to meet the debit card purchase requirement. 
- When I asked them to send a debit card, they sent me another ATM card instead. 
- I finally receive my debit card in late XXXX. 
- I met the spending requirement on XXXX, which is less than 60 days from the date my account is fully activated.

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 2020-01-22
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:
EQUIFAX IS REPORTING COLLECTION ITEMS ON MY CREDIT REPORT. EVERYTIME I AM CONTACTING THEM TO SEE WHO IS THE ORIGINAL CREDITOR IGET NO ANSWERS. I HAVE NEVER HAD ANY ISSUES WITH ANY COMPANY THEREFORE I HAVE NO IDEA WHERE THIS COLLECTION IS COMING FROM. HOW COULD THEY REPORT SOMETHING WITHOUT KNOWING WHO THE ORIGINAL CREDITOR, WHERE IS COMING FROM WHO IS ASKING FOR THE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a credit card with Best Buy. I have had excellent payment history on my account, until the national lockdown in XXXX, 2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted Best Buy immediately without the ability to contact a rep. We continued timely payments even though our XXXX XXXX is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting onthis account lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a small business owner survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. 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 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I can't get a credit card with Bank of America because I am XXXX. Afterwards, I got approved for a credit card better than the one I was applying for with Bank of America with XXXX for more quadruple the credit limit with an annual fee more than that of the Bank of America card and my credit history is flawless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: AZ
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:
I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically die. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XXXX and XXXX. I truly understand why people commit suicide over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

FOR Experian 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: MS
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:
Dear, Consumer Finance The reason for me contacting your company is I have companies reporting information to my credit report that is not accurate and they have no information on the account. These companies have places hard inquiries on my credit report and I was unaware. I have be trying to contact these creditors on many of occasions. So that I may handle this matter. My first attempt was last year XX/XX/XXXX. The Only inquiries that where deleted where the inquiries on my XXXX report. I have also contacted these creditors today XX/XX/XXXX. And they are still not giving me information on why the inquiries are not being removed from my XX/XX/XXXX and experian report.while talking to some of the creditors today they stated the sent letters out to have the hard inquiries removed from all three credit report. I am becoming very exhausted with them cause I been trying to remove these items since last year. I havent received any information to why these hard inquiries are still being reported when a request of a removal letter was sent to all 3 credit bureaus.

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