BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
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:
First of all let me just state that the card/account I have with Bank of America is through XXXX. I am currently unemployed and the money I had on my card was for my upcoming rent. I had went to this banks atm on the XX/XX/XXXX to take out cash which was {$200.00} for my phone bill. I did not go the following day at all which shows on my bank statement {$800.00} dollars were taken on XX/XX/XXXX. I noticed the amount taken probably 2 days later. I called Bank of America and filed a claim right away. I was told if they were to find out who took any money if I would like to press charges and I agreed to do so. They advised they were going to look into the matter and I would hear back from them within 7-10 business days. I was sent a new card within XXXX business days. I finally received a response in regards to my claim on XX/XX/XXXX. It mentions that the claim was resolved and they show multiple factors that I or someone I gave permission took the money out of the account. I called the number on the paper I received within minutes from receiving the letter to speak to someone and I asked why they are assuming I or someone I know took the money. The lady stated it was based off of the location of the bank. That is definitely not a good enough reason in my opinion. She asked if I would like to resubmit the claim so they can look it over again and I agreed to do so. I am also waiting to receive the documents that were based on their decision. I feel they didnt look into this enough, they should have video surveillance and/or time stamps etc. This is fraudulent and wrong. This money is my only source of income at the moment. I really can not afford to lose this 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 monetary relief
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 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 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 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 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 explanation
Consumer complaint received 2023-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2023 called and left message saying they are a law firm. When I called they could not provide me a State Bar No. to verified if they were indeed a attorney did indeed ask they to stop all contact of communication, they need to send me information 's to the so called debt, which they have refuse to send XX/XX/2023 again called and left a message saying they are a law firm. When I called back again ask for the State Bar No. to verified if they were indeed a attorney and did not provide me with information. started to harasse me about this debt. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again the same left message about saying they are a law firm...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XX/XX/2023 and again it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 explanation
Consumer complaint received 2022-06-24
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: Account information incorrect

Complaint:
i was looking at my credit report on myfreescorenow.com when i noticed that my XXXX  account is wrong XXXX  balance is {$830.00} XXXX  is {$0.00} and equifax is {$830.00} also the last activity dates are wrong!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-08-12
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under th
e following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX 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 explanation
Consumer complaint received 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Bank of America neglected to pay the correct amount on my township taxes due XXXX. Upon receipt of a delinquent tax notice from my town I contacted the bank and they confirmed they underpaid. The delinquent amount of {$120.00} plus a small interest charge were paid out and the township confirmed receipt. My issue is that the bank paid the interest charge out of my escrow account instead of paying on their own as there or was 100 % theirs. I contacted them several times and they will not budge. I believe this may be a systemic problem and perhaps thousands of other customers may be unfairly charged as I was for the banks initiated errors.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
Should credit transactions be on my consumer credit report? 

Should Experian be reporting my personal information from third parties without my consent?

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 2023-08-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We seen that I have two huge promotional balances expiring on the same day next month on our Care Credit Card. This was from a large veterinary bill, both unfortunately in XXXX of last year. To have something like this expire all in one day is a lot. We reached out to the bank, today to see what our options are.. I have had been dealing with a very high min payment since this charge originally hit. We were perplexed. Where had all this been going? We understand we have a balance of over {$4500.00} on this card, currently, but how could it be that two of our highest charges were never, ever touched?! It was explained to us that it had been going to our XXXX percent balance from XXXX. All of it! How can that be fair or even possible? So, its like telling someone that they are meeting a min payment of {$200.00} plus for one solid year and they had absolutely no chance in paying off the two large charges from last XXXX? We don't recall agreeing to something like that, nor had we any knowledge that this was going to happen. I thought there were laws put into place now that money had to be allocated to debt that was going to expire first under promotional balances? 

The rep offered to reallocate some of the payments to one of the promotions bringing it down to {$920.00}. A little bit better. We had just paid our high min payment of {$200.00} two days ago! So, where is that going? Still no help to bring this down? 
We were going to try our best to try to pay one off by XX/XX/XXXX but what about the other one of {$2200.00}? What about that? He said he can only give us a grace on that until the end of XXXX XXXX is that going to help on over XXXX? I can't pay XXXX in another month. So, this bank is basically telling me I have to pay off my entire bill the end of XXXX or I am looking at almost XXXX in interest? That's what this is. 
We told them we still need this escalated and emailed customer service as well but we are not expecting to hear a favorable outcome.

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: WHEELS FINANCIAL GROUP, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I really needed to pay bills, so I decided to take out a title loan with XXXX XXXXXXXX is actually XXXX XXXX XXXX in XXXX XXXX, California. My 1st. payment was due on XXXX XXXX XXXX so I tried to use the application on my phone. The app is " XXXX ''. Immediately had issues because you can't make a payment higher than your interest only minimum payment using the app, so needless to say the app is useless! Immediately called XXXX & was told that I could make a higher payment on the phone, but that person had to get an override approval before taking my debit card. The guy asked for my debit card # s, and I then said I wanted to PAYOFF the loan in the amount of {$2600.00} or {$2800.00}. The guy said my card was declined from my bank because of a limit issue. I humorously called my bank " XXXX '', & that guy told me that I not only have XXXX limitations, but they're wasn't any denied transactions in any amount much less the {$2600.00} that loanmart said was denied! XXXX has all transactions recorded, so they told me no charge of {$2600.00} has tried or been denied on our end. I immediately called loanmart where another guy takes me through the process of making a payment, where I immediately get denied for the same exact " limitations from my bank ''. I humorously, " because I smell a scam as I just got this loan, so I'm sure they don't want me to pay it off because that's how they make most of their money ; but that's not my problem! ". So, humerusly I ask the guy to run my card for the interest only {$220.00} minimum, & guess what it worked perfectly! I maybe thought they were trying to run different numbers or some different expiration date or something, but that proved my card was fine! I told the guy why is my card good for {$220.00}, but not the amount of {$2600.00}? He replied with the same XXXX " limitations from your bank '', & I told him I just spoke with the bank and they're are XXXX limitations. I said well since you think my bank has limitations, let 's do ( XXXX ) payments of {$220.00}. He tried the 1st. one & guess what happened ; he said I'm sorry sir but your bank has denied the {$220.00}. What are you talking about, I just paid {$220.00} earlier today! Well sir your bank apparently has limitations, I was livid & told him to take a long walk off a short pier and hung up! Please help me with this XXXX company? All I want is to accomplish ( XXXX ) things from this complaint :. A ). I pay off my Title Loan and get my title back! B ). This XXXX XXXX Bank get shut down or penalized, so they can't continue doing this to human beings in the future! C ). You can imagine how many times this same thing has happened, & people just keep paying interest, so there needs to be penalties for future loan title fraud! Sincerely, XXXX XXXX Thanks Very Much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: WV
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
MAJOR SAFETY AND PRIVACY FLAW FOR CREDIT CARDS IF USING ONLINE BANKING THROUGH BMO!!! BMO Harris allows the option to update settings ( including address ) to your account online. Under that account is housed both debit and credit cards. Despite being able to update statement preferences ( paperless, etc. ), for BOTH debit and credit cards under the account, you CAN NOT update addresses to credit cards online. That would be fine EXCEPT this is not indicated ANYWHERE and not even a lot of employees know this ( and it is misleading that you can change other preferences regarding the credit card statements ). In XXXX or XXXX of XXXX, I updated my account address online ( not under the specific debit or credit card, but the whole thing ). My debit card address updated but my credit card did not. This means that my credit card statement was sent to an prior address for the person there to read what I bought and where I bought it, and had other private information in my statement. On XX/XX/XXXX I found out about this problem and contacted BMO Harris, where I spoke to 3 separate employees. The first two staff members at BMO had no idea why this was happening to me, and told me that it was all fixed in their system ( they looked up my account via my SSN, not debit number or anything, so you would think my credit card would also appear. ) Not a single staff member had any sympathy for the fact that they sent my personal, private information to someone else. At first, I was just told that that " Well why don't you just try going paperless online, since you aren't getting them sent to you anyway. '' since they didn't know what to do ( the only reason I was not getting them anyway was because they were sending them to the wrong person -- a place that I left and moved far from! ) It took several transfers for someone to know that credit cards were not updated online. How on Earth is a customer supposed to know this until it is too late and their privacy has already been violated and safety potentially compromised. Again, not a single person had any care about this, and without actions greater than calling customer service, BMO will not be changing their online system to include a disclaimer because they simply do not care about consumers ' privacy, or even safety. I strongly hope that change is made, because including a simple statement that credit card addresses are not updated ( while other preferences for statements are ) would be very easy to do, would solve the problem entirely, and would protect consumers ' privacy and safety. As is, BMO is causing potentially dangerous/abusive situations to be enflamed by incorrectly sending personal information on purchases ( which often indicates a person 's new location ).

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: Experian Information Solutions Inc.
State: IL
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:
EXPERIAN 'S INVESTIGATION was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but EXPERIAN, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : 1 ) Account # XXXX XXXX XXXX XXXX 2 ) Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX  XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX is not on EXPERIAN but it is on XXXX with different information and on XXXX with different information. Inaccurate violations as well for XXXX AND XXXX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.

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 2022-08-22
Company: Experian Information Solutions 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 TXXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section XXXX it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXXi has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX Funding, all XXXX are showing on my report with the same Account Number 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