BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I currently have an account with Regions XXXXEnerbank at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. In XX/XX/XXXX I did not receive my XXXX statement, then in XXXX when I received my statement it stated : statement date XX/XX/XXXX, and payment due date XX/XX/XXXX, making the payment due date before the statement date, this has been the issues since XXXX of XXXX. Before the problem occurred, I only had one late payment from XXXX, XXXX to XX/XX/XXXX. I had several conversations with Enerbank employees concerning the issue with no resolution. In XXXX I filed a complaint with The XXXX  case # XXXX and in XX/XX/XXXX my statements were corrected to Statement date XX/XX/XXXX, and Payment Due date XX/XX/XXXX. Then again in XXXX my statements were incorrect with the statement date being XXXX, XXXX and payment due date XX/XX/XXXX. Since the change in the statement date and payment due date I have incurred multiple late fees. According to their contract if my payment is due XX/XX/XXXX I have a ten-day grace period, I should not be charge any late fees until XX/XX/XXXX, however if my payment due date is XX/XX/XXXX my payment is due XX/XX/XXXX and adding the grace period my payment would be XX/XX/XXXX shorting me of 10 days for my payment to be on time which might contribute to the late fees added to my account

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 2022-06-08
Company: EQUIFAX, INC.
State: GA
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 # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXt Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A section 2 ; it also states that consumer reporting agency cannon furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A section 2 ; it also states that consumer reporting agency cannon furnish an account without my written instruction.

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 2022-07-04
Company: PNC Bank N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was charged for Transactions that were denied online by the merchant the bank overdraft my account and now it's negative XXXX when I was told there was overdraft protection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid Lexington law to dispute the balance owed on XXXX XXXX child support fees owed they said they took care of it and I know now they didnt do anything because I keep dealing with my license get suspended for past owed amounts I have called XXXX XXXX over and over because of this I have had time with my daughter taken for the suspension of my license witch has happened multiple times and I am not sure what to do this is my story my daughters mom and I split up and I called XXXX XXXX 6 months before a case was started to establish the support when they started taking the money out of my checks I was somehow behind XXXX dollars in total I have paid XXXX dollars for this I have the statement of what is owed the reason anything is owed is for the weeks I have my daughter witch I travel out of state for I owe a total of XXXX I will send pictures of the statement of my most recent statement from XX/XX/XXXX and I have learned that XXXX XXXX child support department has a mandate for you not being able to take them to court for not doing there job you have to take the whole state to court and all I have ever asked is for them to do there job this has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX emotionally my name is XXXX XXXX and I dont know what to do about this please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-07-24
Company: Bright Capital Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Bright XXXX forced me to purchase a {$36.00} dollar membership on XX/XX/XXXX which I wanted refunded immediately. they claim they have 24 hour support so I messaged the in app support and I emailed them. I never got a response Sunday so I assume because its not a business day that I should wait until the next day Monday comes along today and I called the number no response. The number doesnt work and i tried to email all the different company emails and once again tried the in app support which once again I get no response or refund, I went online to look if anybody else was being charged and hundreds of people are complaining that they are forced to buy a membership and then are charged {$99.00} instead of the actual scam membership price anyway and then are also receiving more charges from Bright XXXX out of nowhere. I fear that when bright money goes to forcibly charge me the {$36.00} for the membership they made me purchase by misleading me that they are also going to charge me {$99.00}. I am very scared because I do not have a lot of money. I would like a refund with Bright XXXX immediately and I want my bank account disconnected but they will not do that for me and they have access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here. 
Called them on XX/XX/2023 to close the account. Chatted also. 
Apart from this raised CFPB complaint where some XXXX Bank of America employee sent me a secure email but when I asked to close the account she shamelessly asked me to call Bank of america customer service to send me in circles. 

I want this account to be closed. Called multiple times. Can't waste time to go to branch. this desperate Bank of america should not be doing scams of opening the accounts as mentioned here : XXXX XXXX XXXXXXXX

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There is an installment loan that is being reported as an open account when it is a closed account. It is also reporting late payments even though there aren't any payments to be made. 
original Creditor- XXXX XXXXXXXXXXXX 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 2022-08-19
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to request that the following disputed accounts be completely deleted from my Credit report. Again, I was a victim of identity theft and this is my third CFPB Complaint to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. With accordance with the FCRA section 605b I am looking forward for the removal of the Following account from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2022 mailed correspondence to Homestar Financial Corporation, with a complaint, requesting forward flow agreement, also stating I was uniformed on the use of credit, Pursuant to 15 usc 1601 ( a ) I need to see a signed contract between me ( XXXX XXXX XXXX ) and Homestar Financial Corporation, also tell me how was I able to give over a security interest in a property I did not own prior to signing agreements, Homestar Financial Corporation did not inform the borrower the value of my signature, there was no consideration, I gave Homestar Financial Corporation a promissory note that added value to the Banks assets, I got nothing in return. I know the promissory note is being traded on stock market ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called my XXXX XXXX XXXX from Comenity Bank customer service today on XX/XX/2023. To simply ask for a new card to be sent to the mail because I lost my old one. I was put on hold for a while and transferred to fraud protection and the lady told me that my account has been closed due to suspicious activity. And I told her what activity? I've been using my card frequently and been paying on time. She kept telling me that a letter will be sent to me and that there's nothing else I can do. 
I asked if she can transfer me to someone who can help me or give me a number to someone who can help me but she told me that I'm already speaking directly to the bank and that if i wanted i can reapply in XXXX. before calling customer service I was already on my account online I had XXXX in credit available. By the time the call was over I loged in again and all of a sudden XXXX credit was available and no due date. I don't understand why they messed with my account for no reason. I've been paying on time and it's unfair that my credit score is going to take a hit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
I recently opened a credit card account with Bank of America. When I downloaded and then went into the app to set up my payments, it showed another account in the payment history. It shows payments of a personal card ending in XXXX with a $ 150 monthly payment set up and also cancelled for the XXXX of every month. It makes no sense! 
When I spoke with a service consultant they needed the full cc number of this ( unknown ) account before they could " see what I'm seeing. '' How can I do that when I don't even know why there's a card with payment history on there? I recently saw where they were being fined for setting up accounts without consumer knowledge and I believe this has happened. When I look at my credit report there are two BOFA accounts opened and closed within the last five+ years that I honestly can not recall. And now on my new card app, it shows an account with {$150.00} payments set up and cancelled on the XXXX of every month for that card ending in XXXX for which I have no knowledge whatsoever. 
There's only one person in the entire state of Ohio with my name so it shouldn't be that hard to track this down. I need 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 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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:
I had a credit card opened up in my name a few months ago without my knowledge. Since BOA is going through the CFPb settlement, please review to see if this was opened up by BOA and Id like customer service compensation as result of having to freeze all my reports.

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 2023-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 
Fraudulent Account : XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$11000.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$12000.00} Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$29000.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Asset Management Outsourcing, Inc.
State: GA
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:
I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: RentDebt Automated Collections, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for Care Credit to pay for some dental bills. They automatically enrolled me in paperless statements and never told me Id be hit with the full interest if I didnt pay it off in time. It was always advertised as 0 %. I just was hit with a charge for {$500.00} in interest when I had less than 2 months left to pay off the {$400.00} remaining balance. There was no heads up, email, letter, or phone call to let me know this would be expiring and that Id be hit with this huge fee. I would love help resolving this as everyone Ive spoken with says there is nothing they can do!

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 2022-09-24
Company: EQUIFAX, INC.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX 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