BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I am a single mother of XXXX, and recently ended a relationship where I seldom worked but stayed home to take care of house and family. Needless to say the breakup left me financially struggling, but I am trying to get back on my feet. I made the mistake of borrowing money from a quick loan organization. It was ok until the 1 time I didn't have enough money to cover the funds. I over drew my account {$160.00}. With the fees and check fees associated with that transaction it over drew my account {$230.00} total. As of today i am being charge {$700.00} in reoccurring fees, that I haven't been able to fix since XXXX. The fact that I am being charged {$700.00} additional dollars for a {$160.00} dollar issue is outrageous, and it got worse today. My ex and i still have a joint account for bills regarding the children like daycare or school clothes. He put {$300.00} of his money in the account for our sons daycare and the bank took it and put it towards my fees. Well over {$160.00} I actually overdrew. I called the bank and explained my hardship and how they have worsened it and asked them to put the money back and offered to set up a payment plan. I let them know that if they had reached out to me prior I would've tried to fix as much as i could before they took the money, or told my ex not to put his money in that account. They said there was nothing they could do and tried to get me to pay the remaining {$500.00}. They are a multi XXXX dollar organization. I find this so upsetting i sat in my car a cried for an hour before i could pull myself together. I understand i need to fix the fees, but taking money from someone else is outrageous. And the lack of sympathy or empathy is inhuman.

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 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am not getting anywhere with the bank need to have the president of the bank try to figure this out the bank told me the payment would come down after one year but the payment stays the same it needs to come down the payment is way to high if this was you would you stand for this the banks customer service is not good as far as this also need the president of the bank personal office number so the bank lied to me saying the payment would come down which it did't please get in touch also i do n't want a relationship manager call me do n't get any ware with them need someone higher up like president thanks 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 2022-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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 just looked on my credit report and saw I have two new accounts open on my report for credit cards on XX/XX/XXXX. I just paid off all my credit cards except XXXX, so why would I try for more, plus I don't work anymore to support payments for them so why would I try to get them. I already talked to the one that isn't bank of America because I got a paper in the mail wanting more info about it and told them it is fraud. So I would like these looked into, and closed and taken off 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 2017-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Sale of account

Complaint:
I have been sued by small claims court in Alabama by XXXX XXXX who bought the Capital One Credit Card. The Capital One credit card was opened XX/XX/XXXX and was closed XX/XX/XXXX. XXXX XXXX XXXX, XXXX served me with papers to respond to the summons. I researched and see Alabama has a statue of Limitations of 3 years. I have never heard of these people until I got this. How do even know that they have the purchasers agreement that was agreed on. I tried to look on my credit report to find out but there is nothing on there showing this debt now. I fell under hard times my husband became ill and almost died we only had what little income I was making and sadly it is the same now. Not sure what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was making some disputes on my credit report. I sent an envelope with various accounts listed on individual papers to Experian on XXXX XXXX, 2015. On XXXX XXXX my former landlord sent me a package that she received from Experian that included the dispute I made against her as well as disputes I submitted for other accounts ( credit cards, collections, medical etc. ). Experian violated my privacy by forwarding personal information including full account numbers to a third party. I was exposed to identity theft due to their carelessness. I have a copy of the entire package that was sent to my former landlord including a photo copy of the envelope it was sent in. My disputes have gone unresolved and now I have this to worry about as well. I am trying to improve my credit but Experian has failed me horribly by exposing me to additional privacy concers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Every year I request my credit report from Experian and I never receive it unless I 'm willing to upload my personal information since they already have my name, birth date and social security number and I was permitted/ verified to log on to the system but once I 'm logged on I 'm told I need to upload my information again. I am entitled to a free report every year from them and it never happens. The other XXXX reporting agencies have sent me one but not Experian. I have reported this issue to you before this is real problem. I have a credit freeze for all credit reporting agencies. I do not want to buy my score or monitoring of my credit from Experian. My report from Experian is supposed to be free yearly. All I want this credit reporting agency to do is honor my yearly request that not too much to ask.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 shows balance of XXXX since XX/XX/2022 Ive never owed them that amount. Also a dc address shows on my report and Ive never lived in dc Ive tried multiple times to get resolved and still shows

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 2015-07-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I went online to Experian.com XX/XX/XXXX to check my credit score and paid for the XXXX time fee. Little did I know that the company automatically signed me up to a 7-day trial of then started to charge me {$21.00} per month for 'credit monitoring services ' which I neither do n't need nor made fully aware of. 

I noticed the charges this month and called the company seeking full refund for both XX/XX/XXXX and XX/XX/XXXX. The customer service told me I can only get one month refund. However she did cancel the subscription and hopefully I will not get charged going forward. 

I am very disappointed by the way Experian conducts its business - it tricks consumers into signing up to expensive monthly services by teasing them with some low cost services without making full disclosure. Such services should be explicitly opt-in only and not opt-out type of services like the way Experian does it. 

It is hard to believe that after the passing of post-crisis consumer protection regulations such business practices still exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Iam a victim of identity theft. Someone opened a fraudulent account in my name. I need help removing it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian fail to delete negative information on my credit report history even though the results saids that personal wrong information has been deleted.

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 2017-03-03
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was XXXX years of age my mother and cousin used my name to apply for XXXX a a kiosk, they did n't pay for the service and I returned the boxes after service was disconnected after I was charged

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 2021-09-27
Company: Choice Recovery, Inc.
State: FL
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:
On XX/XX/2021, I sent in a request for validation to said Company CHOICE RECOVERY, INC. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was involved in a real estate investment over 10 years ago. I lost XXXX property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!

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 2015-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I RECEIVED A CALL TODAY FROM SOME SCAM COMPANY CALLED XXXX AT MY XXXX TELLING ME ABOUT MY BAD CREDIT AND HOW TO FIX IT. I WITH DISGUST TOLD THE POOR ENGLISH SPEAKING FEMALE THAT I WAS A XXXX AND WAS BUSY AND HUNG UP ON HER! I DO NOT APPREICATE THESE CORRUPT CREDIT REPORTING AGENCIES OF EXPERIAN AND XXXX ( WHO REFUSED TO UPDATE MY FILE WITH A LEGAL NAME CHANGE AS OF XXXX 2014 ) AND XXXX SHARING MY FINANCIAL DEMISE WITH CROOKS LIKE THIS CREDIT REPAIR CENTER AS I CAN ONLY PRESUME THAT THIS " BAD CREDIT '' OF MINE WAS ONLY REVEALED BY ONE OR ALL THREE AGENCIES! FURTHERMORE, I BELIEVE THESE TACTICS USED BY BANKS AND EVEN CERTAIN EMPLOYERS OF CHECKING ONE 'S SCORE ARE ONLY ANOTHER EXAMPLE OF HOW FAR THIS NATION OF DEBILITATING RACISM HAS TO GO TO IMPROVE THE PSCHOLOGICAL, PHYSICAL/EMOTIONAL AND ECONOMIC WELL BEING OF XXXX! I HAVE A XXXX IN THE FORM OF A XXXX AND EVEN HAVING A SEPARATE SMALL BUSINESS CHECKING ACCOUNT WITH A DISTICNT AND SEPARATE EIN NUMBER IS NOT ENOUGH TO HELP MY PRACTICE AND RACIST BANKS INSIST ON USING THAT PRISON/SLAVE NUMBER ( SOCIAL SECRUITY NUMBER ) WHICH I WISHED I NEVER APPLIED FOR! ALL IT HAS BEEN IS A SOURCE OF MISERY AND IMPRISONMENT IN POVERTY AND EVEN USING IT TO APPLY FOR XXXX BENEFITS DUE TO THE YEARS OF GOING WITHOUT XXXX MEDICAL TREATMENT OF CERTAIN DISEASES HAS NOT BENEFITED ME WHEN I NEED IT TO! I AM SICK OF BEING TREATED AS JUST A PRSION NUMBER AND NOT AN INDIVIDUAL WHO TOOK THE TIME TO GRADUATE FROM COLLEGE WHICH ONLY MADE ME POORER WITH THOSE HIGH INTEREST STUDENT LOANS AND THEN ON TO XXXX SCHOOL WHICH MADE MATTERS WORSE! I KNOW I WILL NEVER GET A DECENT POSITION SUCH AS WITH THE XXXX WHERE I CAN GET SUSTAINABLE INCOME RATHER THAN BEHOLDING TO THE CRROUPT MEDICAL PAYERS OF MEDICARE AND MEDICAID OR EVEN AT LEAST EXTENDED CAPITAL IN THE FORM OF PRODUCTS LIKE CREDIT LINES OR LOANS AS LONG AS I AM XXXX IN THIS NATIO AND THAT SOCIAL SECUIRTY NUMBER IS USED AGAINST ME INCLUDING GETTING MY XXXX BENEFITS I AM ENTITLED TO! I WANT THESE BEINGS TO STOP USING MY CREDITS SCORES AGAINST ME ESPECIALLY IN SITUATIONS WHERE I AM NOT EVEN REQUESTING A LOAN OR OTHER FINANCIAL ASSISTANCE! 

SINCERELY DISGUSTED, XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX has charged my amazon store card for XXXX dollars on XX/XX/2022 and that is a double charge or a duplicate charge for an item that I was already charged for and I returned it back. The charge of XXXX dollars from XXXX to my credit card on XX/XX/2022 is a duplicate charge and is wrong and an overcharge and duplicate charge. I was already charged for this item on XX/XX/2022 so XXXX should NOT charge me again on XX/XX/2022. I am requesting from Synchrony bank to refund me for the charge made by XXXX to my XXXX store card for XXXX dollars on XX/XX/2022 and refund me that money

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 2016-06-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experien never initially followed proper investigation. 
This is after my wife and i applied home equity and as loan was ready to close with XXXX loan # also we applied. XXXX. Line of credit with pffcu denied all denied to experien XXXX XXXX updateing my file as a short sale. How is this short sale? Answers please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My dispute involves mainly Experian but XXXX and sometimes XXXX as well. Their tactics are so transparent. They clearly make more money by reporting anything and everything to make consumers look like a credit risk. Example XXXX XXXX mistakenly pulled my credit a second time within a 30 day period after I spoke with their senior executive that assured me they were n't going to. When it happened of course the XXXX bureaus are hot to report it. I contact XXXX XXXX and get a letter stating it was a mistake. I forward that to the bureaus and now comes the run around. It took several months to get it removed however Experian refused to do anything except change it from a " hard pull '' as they call it to a " soft pull ''. They then further penalized me by removing or reporting incorrectly my " good '' credit history. My stellar XXXX accounts ( XXXX ) are now removed as well as other good accounts and they give me minus point for, you guessed it " lack of good credit accounts ''. I tried calling them, writing them online and snail mail to dispute, and they always have a stall tactic. I 'm tired of the run around. I 'm tired of paying too much because they skillfully and unscrupulously maneuver things so that I can never qualify for a better finance rate. I 'm fed up with it! I have plenty of documents to support my situation and monitor my credit closely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a letter in the mail that i was declined for a credit card from XXXX, however i never applied for a credit card from XXXX. i contacted XXXX and they advised me that someone had submitted a credit card application in my name and that i should contact Experian to get my credit report from them to look for other credit inquiries. I submitted a request for my credit report from Experian and noticed XXXX separate inquiries on my credit report that i did not make. That was XXXX at XXXX. Ever since then i have been trying to get someone on the phone at Experian to resolve the issue and get the inquiries removed from my credit report. So far i have spent over XXXX minutes waiting on hold on XXXX separate occasions and still have not spoken with anyone who can remove the inquiries. I simply do not have the time to wait and wait and wait to speak with someone. Experian should be ashamed of themselves for creating such a dystopian, maze-like procedure where nobody is accountable, no options are available to speak to a human, and no disputes can be resolved. It is obviously a system devised to keep staffing costs down at the expense of the consumer. Terrible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
The information on my credit file states that the account was closed at the consumer 's request which is inaccurate. It also states that a settlement was accepted and the account was charged off. These are XXXX different things. This account keeps reporting to my credit file from XX/XX/18. This information is all incorrect and needs to be removed from my file.

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