BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received a phone call to my home landline phone ( XXXX ) from a gentleman requesting I pay XXXX owed to XXXX XXXX. Also that they could negotiate a lesser amount or take payments. I informed him that I did owe a debt 20 plus years ago but that it had been written off. I asked him to cease and desist all communication with me. On XX/XX/XXXX I received a second phone call to my cell phone from a lady over the same debt. Again I told her to cease and desist communication. She told me she would move my file. While I was on the phone with her my son in Texas received a call looking for me over same account. Then we come to XX/XX/XXXX I had a voice mail on my landline and cell regarding they were tracing my identity to get a hold of me.

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 2023-07-26
Company: U.S. BANCORP
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
After locking my card in early XXXX I was billed for a transaction that I did not authorize & US Bank has violated the truth in lending act as shown in the attachment

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 2022-01-18
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, was contacted by unknown person @ XXXX stating I owed a debt that they were to collect. This was a XXXX and XXXX cellphone interaction that was offensive and did not end well. I attempted XXXX call-backs this day, in an attempt to verify the legitimacy of the caller. Prior to the next call of contact, on XX/XX/2021, I did not receive XXXX XXXX XXXX Notice via email or in-writing. On XX/XX/2021, @ XXXX, I had XXXX and XXXX cellphone interaction. Soon thereafter, I received an XXXX XXXX XXXX Notice via email, on XX/XX/2021 @ XXXX. A dispute was placed this very same date and time. This Debt collection entity has failed to provide accurate information verifying this debt, within the 30-days provided by law. This Debt collection entity has also failed to stop collections reporting after it has failed to provide verification of the debt within 30-days as provided by law and after I requested that he do so. Furthermore, this Debt collection entity violated the enumerated Debt Collection Validation Notice statute by failing to provide such notice ( electronic or written ) after initial contact on XX/XX/2021 ; in which, He was lawfully required to do so within 5-days of contact.

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 2017-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
I called Bank of America credit card co. to take charges off of my statements, which I returned the merchandise back to Certified Fulfillment XXXX, XXXX/XXXX/XXXX, tracking # XXXX XXXX XXXX XXXX XXXX, and Certified Fulfillment received it XXXX/XXXX/XXXX, the free trial of XXXX I ordered which I paid {$4.00} shipping was posted XXXX XXXX/XXXX/XXXX, XXXX " XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} ( which I paid ) I took the XXXXXXXX XXXX couple days and developed a XXXX ) I called that phone # and they said they Do not sell that product so was unable to contact them, so waited and another package from them came XXXX/XXXX/XXXX, With No Phone # to call them, So I repackaged it up with the Free trial in the same package and put there address on it XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, Then the Next Credit card statement from Bank of America posting Date  XXXX/XXXX/XXXX XXXX XXXX XXXX {$87.00} and posting Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} tryed calling both phone # 's to resolve the issue, that I returned the XXXX XXXX and they said they Do not sell that product which I originally ordered XXXX XXXX for XXXX pain, I called Bank of America to file a Dispute on the Charges and not to accept anymore charges from them on my credit Card, Now this Month I get another Statement from Bank of America ; posting Date XXXX/XXXX/XXXX Bal ADJ /XXXX XXXX {$87.00} I called XXXX/XXXX/XXXX about this charges again, and talked to several people their, they kept transfering me over to someone else, I told them I want to talk to a supervisor, finally some guy got on the phone and said they cant do nothing about the charges thats between me the company Certifed Fulfilment to get it straightened out since I returned the product back to Certified Fulfilment. 
So XXXX/XXXX/XXXX I call Certified Fulfilment and told them, what Bank of America told me, and he said, That its Bank of America that should straighten it out for me and Hung up, ( Certified Fulfilment has bad reviews on the BBB, which I did not know and found their correct Phone # XXXX XXXX XXXX XXXX ) Can you advise me what I can do to get Bank of America to take the charges off of my credit Card statement,?? 
I am XXXX years old and calling these places and sitting on the phone for transfering to different people is very frustrating, and after all this sitting on phone, nothing gets accomplished,

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 2022-06-18
Company: Experian Information Solutions Inc.
State: GA
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:
id theif reach to have item remove

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 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I was scammed for {$3000.00} by someone that supposed to be a lawyer. I did not receive the service this guy supposed to have given me, which was to file a law suit for me against this company for personal injury. Twice Capital One told me to fill out this dispute paperwork for the {$3000.00} charge made on XX/XX/2022. The last time I filled out the paperwork and sent to Capital One was on XX/XX/2022. On XX/XX/2022 they told me returning the paperwork on XX/XX/2022 was outside the 180 days window from the original date of XX/XX/2022. It is too late to continue the dispute. This is not true. They lied to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made multiple attempts to obtain the legal supporting documentation to provide proof that the account LVNV Funding is reporting on my credit profile belongs to me. This company continues to ignore my certified requests. They 've verify with the credit bureaus that the account they are reporting is accurate ; however, they 've refused to supply the substantiating documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted numerous complaints in regards to equifax credit reporting agency. Today upon checking my credit score on XXXX XXXX my score went down another 35 points. Equifax sent me a letter stating they do not work with the other credit reporting agency 's and basically my complaint and additional supporting information I uploaded to them does not matter. I have wrong information reporting on my equifax credit report. XXXX XXXX XXXX is one of them. This has been going on for over 6 months now. This account was deleted off my XXXX credit report so I uploaded the proof to show equifax that they company deleted it off my report and the investigation I put in again with equifax should have received the same response. Then I get this letter stating they do n't work with the other credit reporting agency 's?. I contacted XXXX XXXX XXXX again and was told the same thing. They will respond to delete off my report. I do n't appreciate having this account reporting on my equifax report as it is affecting my credit score and credit worthiness. Equifax is not working with me and I feel I am just being blown off at this point. This is my credit and I have full expectations for them to correct the situation. Again as I stated earlier I have been disputing and trying to correct this for over 6 months now. I 've uploaded substantial proof that the account to be removed and still it 's reporting as charged off to a bad debt. On top of this those charges were fraudulant charges made over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: VA
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:
Dear, Bureau of Consumer Financial Protection ( CFPB ), Re : Dispute [ ing ] credit report error [ s ] I'm writing to request that the following information on my Equifax consumer report be rectified : On XX/XX/2022, XXXX 's XXXX XXXX reported the consumer 's Equifax credit score of XXXX, which was used to purchase a new automobile. However, my credit score is XXXX, according to my Equifax account as of XX/XX/2022. 

A XXXXpoint gap is concerning, and we need clarification on the cause and resolution of this documented disparity. 

If more information is needed to remedy this issue, please let me know. 


Respectfully your 's, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got email from Discover on XX/XX/XXXX saying my account was blocked and I needed to call their security team immediately. I did so and waited for more than 3 hours on line while nobody answered and was just cut off. 

I tried multiple times from Monday to Friday from 8am to midnight, and waited for many hours on line just to get to talk to a human. There was no one to answer the call for this whole week. My savings account totally disappeared from my online banking and mobile app. 

I saved all my money in discover savings account, and now I can not access it and can not make any payment while no agent can help me solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan for a XXXX XXXX at XXXX XXXX I lost my job and fell behind. I got another job and they had already sold it to AD ASTRA RECOVERY. I paid them XXXX now Ad Astra refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple disputes directly with the bureaus. The bureaus verify the account and do not remove. The creditor states they sent the account for deletion to the bureaus. The creditor states on XX/XX/2022 and XX/XX/2022 they sent a request electronically to the bureaus for deletion. I asked for help from XXXX XXXX, a credit monitoring service I subscribe to. XXXX XXXX representative XXXX XXXX called the creditor and verified that the account is not mine and that XXXX reports sending a request for deletion.

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 2019-11-25
Company: FACTUAL DATA CORP.
State: PA
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:
FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX   XXXX XXXX XXXX WA XXXX XXXX 2. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA , XXXX 3. Factual Data XXXX Factual Data XXXX PA XXXX XXXX 4. XXXX XXXX XXXX  XXXX FL XXXX XXXX 5.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX 6.Factual Data  XXXX Factual   data XXXX PA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: AZ
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 mishandled my information which has led to an informational breach that puts myself and millions of others at potential risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

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 2020-10-07
Company: Utah System of Higher Education
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:
Dear CORNERSTONE / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting  information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account name : XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account name : XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 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 2019-11-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting. 






Re-investigate and Remove this item from my credit reports 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 explanation
Consumer complaint received 2022-01-18
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This form of communication is being used to put XXXX on notice that I have started the administrative process and placed you on Notice. I have notified you via Mail, CFPB and Via the Attorney General XXXX Texas XXXX XXXX XXXX XXXX XXXX. 

You have failed to respond to my claim and you have failed to respond to the Texas XXXX XXXX XXXX XXXX XXXX in reference to case # XXXX sent to you on XX/XX/2022. 

Your complete disregard for me as a federally protected consumer has been displayed on several levels and you will have to correct the situation and provide me with the demanded remedy i requested in all of my unrebutted Affidavits

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian data breach. call center unreachable. 134 million people affected and 2,000 call takers. numbers do n't match. web site unresponsive. information only available thru media. ca n't institute a credit report lock. web site only interested in selling additional products.

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