BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My name is XXXX XXXX XXXX XXXXXXXX my phone XXXX I have complained please I been with Bank of America 13 years I have business and credit it card and I have personal account also, Im a gold member with Bank Of America, Police report is : XXXX Officer : XXXX badge number # XXXX XXXX police department has been notified My story is please take my situations seriously On XX/XX/2023 at XXXX its was Friday I got notified from my Bank of America app notification if I have authorised this amount? I said no. after short time Bank of America phone number calling me XXXX at the Same phone number on my back of my card asked me your account has been restricted I logged in my account just making sure if he is correct but he was right I saw my account is restricted also he knows about my transactions I made at this week he made me to trusted him because he told me everything about my account also he restricted my account I and asked me for code I been told I have a fraud XXXX and he is going to help me to get a refund it back and asked me dont login due to the investigation and I did not login until Monday where I fount out there is a fraud after he asked me about wire transfers where I got hit Sunday as well XXXX with multiple transactions XXXX I notified Bank of America immediately and I told them what is going on where they told me he is not Bank Of America agent it is a fraud I filled claim for multiple transactions of total amount {$9900.00} Bank of America customer service they are not helpful at all each agent filled the claim different way they trying their best to blame me for it where customer service phone number called me and how he get to my Bank of America app it should secure system and help me to get my money back probably hes the agent working with you guys I dont know I need help to get my money back and solve my problem please, I need to know before further action I talked to my lawyer i am going to take Bank of America to federal court and I will share my story and every single of Benk of America website honestly but I been patient I need to know whats going to happen first all what I need to solve a problem and take my situation seriously please because the fraud department they are unprofessional and not helpful at all probably he is working with Bank of America agent I dont know the scammer he does know everything about my account Police report has been notified Claim number is XXXX Bank of America

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 2023-02-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while TransUnion reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report 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 non-monetary relief
Consumer complaint received 2023-10-11
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:
REMOVE THIS COLLECTION XXXXMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My mortgage was sold to Freedom Mortgage. After making my first payment to the new company. XXXX XXXX XXXX XXXX called to refinance. He told me he could save me {$48.00} a month. Of course the VA funding fee etc would be rolled into my mortgage so I didn't have to pay out of pocket. I told him {$48.00} was not going to help me {$48.00} is not what I would call a savings to restart my mortgage. He asked to write it up anyway. I said sure. He called me 2 days later and continued his push to save me {$48.00} a month after I told him no. He continued to try and push me after 2 other no 's and I final lost my mind and cursed him out. He refused to send me to his boss after requesting to speak to him and said he didn't have that ability and would not give me his bosses information. I didn't ask for my mortgage to be sold. I don't like the way they are trying to push me into more finance charges that they will collect. And {$48.00} a month wont offset the funding fee of the mortgage for 3 years or so. Poor business practice in my opinion.

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 2020-06-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX has stated I owe them money. I used them for 1 month and paid for the month. I did not like their service and was supposed to get a refund for the month, but instead they billed me, and have continued to bill me for the last 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: WELLS FARGO & COMPANY
State: NJ
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:
I opened a secured credit card account with Wells Fargo Card Services on XX/XX/2015. The account was closed and paid in full on XX/XX/XXXX I made all payments on time. I received a refund for the secured deposit but the account was showing as paid in full after charge off and sent to collections. The account was never a charge off and it was never in collections. It was paid in full and I received a refund. I have disputed it several times and they have not corrected the status. I would like it to be corrected.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi my identity was stolen i still live with my mom in my hometown and multiple apartments out of state and credit cards were opened in my name that I had no knowledge of. Recently, I mailed multiple letters requesting verification of inaccurate accounts reporting on my credit report. All the bureaus including Transunion, XXXX and XXXX ensured that all accounts on my credit report was verified. When in all actuality i never consented anything to be reported on my credit report given im just starting to build credit for future reference.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is an account on my credit report from " XXXX XXXX XXXX XXXX  XXXX '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while TransUnion reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report 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 non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
XXXX  - XXXX I was never late on this account- Please check the status on this account XXXX  - XXXXXXXX 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 The following personal information is incorrect. Please remove it 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My TD double cash card is not showing on any of my credit report please fix this. Also the app is not showing my card information such as balance or how to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NY
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:
My personal, non public credit information has been breeches by Equifax and is now on the dark web. As a result there are many discrepancies in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CarMax, Inc.
State: KY
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:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXXXXXX XXXX  from CarMax Auto XXXX XXXX in XXXX, Tennessee. At the date of purchase, the XXXX XXXX XXXX odometer reading stood at XXXX miles. The vehicle held a CarMax limited warranty. During the purchases of the XXXX XXXX XXXX, I also selected an extended warranty through CarMax 's MaxCare for coverage of up to an odometer reading of XXXX miles.The CarMax MaxCare warranty was factored in my car loan, increasing the monthly payment total. The optional extended service contract listed under the itemization of purchase shows {$1700.00}. I only opted to use the MaxCare coverage for a wheel bearing replacement that ended up costing no more than {$350.00} CarMax Finance Services says that " a customer may cancel MaxCare at anytime to receive a prorated refund. '' Therefore, on XX/XX/XXXX at XXXX XXXX, I contacted CarMax Customer Service at XXXX ( XXXX ) XXXX to cancel the MaxCare coverage due to the odometer reading for the XXXX XXXX XXXX crossing the XXXX miles warranty limit. I was told by a CarMax MaxCare agent that ( 1 ) since the XXXX XXXX XXXX 's odometer reading had reached XXXX miles, the meter effectively cancelled the XXXX warranty coverage for the car, plus ( 2 ) since I had used MaxCare already, even if for a small vehicle repair purchase, that I could not receive a refund for the cancellation, and finally, ( 3 ) I would not be able to stop the monthly payments for the MaxCare warranty coverage because the coverage amount had already been factored into the life of the loan. As a customer, this is disturbing to have to continue to pay monthly payments on a car warranty that is no longer valid due to terms shuffled and hidden into a loan contract not made known to the customer. Additionally and unknowingly, CarMax has customers signing arbitration clauses designed to prevent customers from settling disputes with CarMax in court. Thus, via the loan contract, CarMax seeks to obtain its own arbitrator to resolve disputes in-house and out of court. Futhermore, in a time when car depreciation values are less than half of the loan value of used car being sold to consumers, auto dealers like CarMax are taking advantage of customers with deceptive marketing, sales, and predatory contract practices. I would like to have MaxCare charges taken off of my monthly car loan payments OR CarMax can have the vehicle returned to their possession and I be discharged from the car loan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This account does not belong to me and wasnt opened by me. Ive asked for proof of ownership of this account and didnt receive anything from 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 non-monetary relief
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023, while in the process of booking a flight through XXXX XXXX, I was presented with an enticing offer to apply for a Citi AAdvantage credit card. The advertisement was clear : apply for the card, and upon approval, use it to complete my ongoing flight booking to receive {$250.00} in statement credits and XXXX miles after spending {$2000.00} in the first 3 months. On the application form, it stated : " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately '' Trusting these explicit terms, I paused my flight booking to apply and was subsequently approved for the card. However, the company 's system failed to RELIABLY provide me with the promised account number. Citi responded saying that it was my fault because I walked away from the computer, but THEY DID NOT ADVERTISE THE TEMPORARY NATURE OF THE PROMOTION IN THEIR TERMS. When I sought a resolution from Citi 's customer service, they refused to regenerate or retrieve the number, stating it was a one-time display. I also requested this policy in writing for further clarification. This key limitation was neither disclosed in the promotion nor covered in the terms and conditions. Because of the company 's failure to deliver on their promise and their unwillingness to rectify the situation, I have missed out on the benefits of the promotion and incurred an unnecessary credit inquiry that has negatively affected my credit score, as well as a lot of time trying to resolve this situation.

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 2023-12-15
Company: Eastern Revenue, Inc.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have tried multiple times to contact them via email, or mail so I have written proof. They continually call me and when I email them specifying I dont want them to call they dont honor! I have tried disputing the debt but it still on credit! They are an aweful company and dont care. They contact my family members which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Comenity recently ( in XX/XX/XXXX  ) closed a New York and Company account when they did not have a permissible purpose to check my report. They tried to justify their violation of the FCRA by saying there were other negative accounts on the credit report. Comenity is now under obligation to provide evidence that these non-Comenity accounts are " valid '' and that these accounts caused harm to Comenity otherwise I will commence litigation against Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief