BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: NC
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:
In either   XX/XX/XXXX  or  XX/XX/XXXX   I applied for a credit card with  XXXX    XXXX   Account #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I wa s made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represe ntative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  cred it bureaus (  Experian,  XXXX ,  and   XXXX   ) but,  the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

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 2021-11-25
Company: Law Office of Brett M. Borland, P.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/XXXX I left multiple messages for the second time since this has been in collections. I called the property them self who referred me to the contact I have been trying to get in communication with the debt collector to resolve this. Debt Its been over 3 months and no return call. They do not have a site nor can you talk to a live person due to having to leave a message always. I left multiple messages. They is affecting my living situation in which I would like to have this removed from my credit so I can continue with my life. 
My husband back in XXXX attempted to communicate with them and no response. 

I filed 2 disputes since then and still they have not reached out or returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following credit bureaus ( Equifax , XXXX ) have failed to update my Payment and/or Account Payment History from my Mortgage Creditor XXXX XXXX XXXX, Mortgage Account # XXXX. 

They are required to report since the first month of Delinquency XXXX, each month from XXXX XXXX until present. 

That Equifax needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I 've received XXXX calls from people at IC System named XXXX and XXXX, and in both cases, I was asked to verify who I am and my address. But when I asked who was calling and why, they would only tell me that they were with IC Systems and that they were calling about a " business matter. '' When I asked what the " business matter '' was about, they refused to tell me more until I verified my address. They both became increasingly indignant, and contunined to refuse to tell me what kind of company they were calling from and why they were calling. Not once did they mention that they were calling to collect on a debt. In XXXX case, I told the caller that not disclosing what the call was about was illegal, and the caller, XXXX, claimed that it was legal, saying that my information was already public and they just needed to verify it before disclosing why they were calling. It was only after I looked up IC System that I learned they were a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
{$39.00} late fee was charged. Payment was made before the cycle was closed. Chase bank is not willing to refund the late fee even though it is clear that I made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that they have on file that were supposedly used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Equifax thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Credit Technologies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On  XXXX   XXXX ,    2016, Credit Technologies Inc placed  a hard inquiry on my  XXXX ,  XXXX , and   XXXX    credit  reports. I advised them that they did not have my written authorization to do so and I requested for them to remove it and it is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have sent several letters and a police report. Transunion is having a problem removing this off my credit report. I never had a car loan from  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX , NE  XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  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 explanation
Consumer complaint received 2016-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I moved XXXX XX/XX/XXXX. I did not file a XXXX State Tax Return XX/XX/XXXX as it was not necessary, however XXXX assumed I was still a resident and erroneously assessed taxes and supposedly mailed a notice to my former address which I never received. XX/XX/XXXX I moved back XXXX, and after working for a few months, my employer received an earnings withholdings order to satisfy the lien. This was the first time I had become aware of the lien. I contacted XXXX and was informed the lien was for tax calculated for XX/XX/XXXX tax year. I informed them that I moved XXXX that year. They instructed me to file a XXXX XXXX tax return, which showed I had zero state tax liability for the year. They then released the lien, which is reflected on my credit report, however I have been unable to have the public record removed. The lien was filed in error, and the tax was never due, and has since been corrected in the XXXX XXXX system, yet it still appears on my credit report with XXXX Equifax. I am requesting to have the public record of the lien removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My ex-wife is dead. The child support has been paid in full for years. The NY State support enforcement agency concurs. Equifax reports a XXXX balance in the account, but yesterday they changed my report to reflect a missed payment. This is not true, & last year they were forwarded the information needed to show the account as closed. They will not discuss it with me over the phone, and the website will not allow me to file a dispute because they say I am providing incorrect information verifying who I am. This should be dropped off my report by now. At the very least, I should not be showing a missed payment all of a sudden. My daughter is a grown woman, & her Mother is dead. How long do we have to live with this problem. Someone please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
have had items deleted from my report only to have them reappear by the companies reselling my information to another collection company this has gravely affected my abilities to obtain new credit and is also seen as identity theft as the companies are sharing personal information by means of selling it request and demand for any negative items reporting to immediately be deleted including credit inquiries on all XXXX major reporting companies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Oxford Law, LLC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
My payment on my credit card was received by Bank of America 4 days after the due date, generating a late fee as well as interest. The interest charged to me was an overcharge. In the next month, another interest payment was assessed to me. This was incorrectly charged. Bank of America was unable to specify what that interest charge pertained to. With respect to that month, our bill was timely paid early and in full, plus a large overpayment. Our overpayment to Bank of America occurred because its bill was incorrect because it failed to credit our previous month 's payment, continuing to bill it as a charge still due. So we paid the previous month 's bill twice. Interest was then assessed, twice, on entirely wrong amounts, none of which were owed.

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 2016-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I deposited a monthly paycheck into my local Bank of America ATM on Saturday, XX/XX/XXXX at XXXX in the amount of {$1700.00}. {$300.00} was available immediately, and per my online app, the balance of the check would be available Monday, XX/XX/XXXX, as I am accustomed to. I used my ATM card to make a purchase today, Monday afternoon, XX/XX/XXXX, and my card was declined. I called BOA to ask why my money deposited on XX/XX/XXXX was not available, and they said it would be available on Tuesday, XX/XX/XXXX. Since I have been with BOA since XX/XX/XXXX, I know this is a departure from practice, since when I deposit a check on the weekend, it is available on Monday, the first business day. I spoke with XXXX customer service staff who both sympathized, but both said the check would n't be available until XX/XX/XXXX, 4 days after the deposits. They both stressed there is no hold on my account, it just takes that long to process my check. This is a check I have deposited monthly for 14 years, issued from the State of California. I asked both customer service staff what has changed, and why was n't I informed, and they had no answer. Perhaps cfpb can help me navigate this, as no one has answers, and this is clearly not right.

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 2016-08-11
Company: World Acceptance Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
CONTINUES TO REPORT AS A NEGATIVE ACCOUNT ALSO WITH MAJOR DELINQUENCY DATE OF XXXX WHEN I FILED BANKRUPTCY. THIS SHOULD NOT BE ON REPORT DUE TO CHARGE OFF OF BANKRUPTCY AND CAUSING MY SCORE TO BE LOWER BECAUSE IT LOOKS LIKE AN ACTIVE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX ,  2017 Bureau of Consumer Protection  Federal Trade Commission   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX   RE :  FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Wh om It May  Concern : On  XXXX   XXXX ,  2017, I   received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand tha t may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  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 2015-09-14
Company: Oxford Law, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Oxford Law , LLC, which claims to represent XXXX XXXX , XXXX on XXXX/XXXX/15. 

The letter says that there an account # XXXX was open under my name ( XXXX XXXX ) with XXXX XXXX XXXX, and there is currently unpaid balance of {$3900.00} associated with the account. It also says that the debt was sold to XXXX XXXX , XXXX, which is trying to collect the unpaid balance through Oxford Law , LLC. 

On the other hand, I do not recognize the account # at all. I pulled a credit report from XXXX because of the letter. The aforementioned account was not listed in my credit report. None of the accounts listed in my credit report has ever had a single late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was an authorized user on my x-wifes XXXX charge card and never used the account. We divorced last year and she removed me from her account. All XXXX bureaus are still saying the account is valid and belongs to me. I just sent in my Divorce Decree with a letter stating that XXXX did not have me on the account and to remove me. They refuse to. I have called XXXX directly and they are unable to assist because I am not on the account and never actually even received a card. I am at my whits end. My x wife has maxed out her XXXX card and her actions have caused a XXXX point drop in my credit score. XXXX customer service number is XXXX. I spoke with XXXX and she said that there was nothing they could do to assist and that my x wife had called in 4 weeks ago at my request to make sure I was removed. Her email is attached as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/2021 through XX/XX/2021, three separate, unauthorized transactions were made through my Bank of America bank account. An unknown checking account was linked to my bank account and transferred three separate amounts : XX/XX/2021 : Transfer of {$1700.00} XX/XX/2021 : Transfer of {$1200.00} XX/XX/2021 : Transfer of {$1800.00} A total of {$4800.00} was withdrawn from my account without my consent or authorization to an unknown entity. I have no information on the account number, or who it belongs to, as the moment fraud was detected, I was advised to immediately delete the linked account and change email/password. 

This is a widespread problem for Bank of America, and hundreds of thousands are having the same problem of foreign entities withdrawing money without their authorization. Hindsight, at this point, is irrelevant. The issue is the way Bank of America refuses to give victims their money back. I filed a dispute earlier this month, and received a letter telling me that there were 'no errors ' found and that my claim was closed. Once again, hundreds of thousands are being told the same thing, and are having their money held hostage. People 's livelihoods are at stake and Bank of America refuses to do thorough investigations into this matter, and give victims what belongs to them. 

I was also told that, if no resolution were found in ten days, I would receive a credit to my account, but this did not happen ( this is besides the point, however ).

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 2021-12-30
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the credit bureaus to inform them of the debt was paid to original creditor and collection agency should not be reporting the debt is due. Two of the three credit bureaus removed the negative account from my consumer report. I do not have an open balance with my XXXX XXXX XXXX and IC System Collections should not be on my consumer report as the debt is not due and has been paid as agreed. The negative collection is still on my XXXX Consumer 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 2016-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Payoff process

Complaint:
I paid the amount in full on XXXX/XXXX/15 before payment due date and then they charged interest on XXXX/XXXX/15. When I tried to chat with them all of a sudden they kept acting like they had n't even talked to me and kept trying to start over. IT says right on statement no interest will be charged if paid in full before payment due date. I paid XXXX and then for some reason was charged interest on 3 thousand something for which the statement is suddenly unavailable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief