BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Title : Identity Theft - Unknown Entity Applying for Credit Card with Bank of America On XX/XX/2023 I received two emails at XXXX and XXXX ( EST ). 

The first email was sent from what appeared to be Bank of America : XXXX, subject line read " Verify your email address '', the body of the email gave a link to confirm email address. 

The second email was also sent from what appeared to be Bank of America : XXXX, subject line read " Your Credit Card Application Has Been Received '', the body of the email read : " Your credit card application has been received, We wanted to let you know that we've received your application for the Free Spirit Travel More World Elite Mastercard. We're currently reviewing your information and you can check your application status online at any time. Your application reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   '' I then contacted Bank of America credit fraud services- which they cancelled the credit card application and filed a fraud report, which they told me it will remove from my credit report. 

I then contacted XXXX, to update them and create a fraud report for the inquire that was made in my name. 

I have also changed my email password immediately after identifying the concern.

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 2022-09-15
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX reported debt I did not owe to Hunter Warfield for collection. I have written letters to XXXX XXXX and contacted Hunter Warfield via telephone to try to resolve debt. Unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this!! 

The accounts listed here need to be DELETED IMMEDIAYELY. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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 2023-05-23
Company: JPMORGAN CHASE & CO.
State: GA
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 had a payment arrangement set for a business credit card that is personally guaranteed. Card ending in XXXX. I got a new bank account because the business transitioned from an LLC to a Corporation. Because the arrangement was set for the other account, I tried to transfer money into the other account but Chase 's account wouldn't link to the new bank account. I called to let someone know to try to change the payment account and was told there was nothing I could do. Two days later, the business card was reported to my personal credit report as 60 days late. The payment would not have been late if I had been allowed to change the payment. I talked to several people and explained the situation because this inability to link the new accounts in Chase 's system cause almost a decade of good payment history on my credit report to go to waste because Chase wouldn't take the payment. Going forward, I started transferring the money from the correct account to the old one when I was finally able to connect the accounts a week later. Then one day, the payment was returned from that account even though the money was there. I called Chase to figure out the problem. They stated that the LLC 's bank account was set to be closed because when it was opened, the banker that opened it, failed to put the correct member information into the account profile. I never received a letter or any notification that this was happening. They simply froze the account and wouldn't allow me to make a payment to the credit card AGAIN. Twice, I tried to make payments and Chase 's system would do things without notifying me and causing me additional issues. Luckily, I had made another payment to the card so the card didn't have another late but it would have because Chase blocked the account with no notification. When I contacted them, I was told I needed to go into a branch to fix what the banker didn't do. The nearest branch is over 100 miles away. I tried to reach the banker, XXXX, to ask him to talk to the XXXX team to fix this and he no longer works for Chase. So not only did he XXXX up my account, he was no longer there to fix it. I never received any information as to the account closure. No notifications. No letters. No nothing. I want this fixed. The card is current and would have never been 60 days late had I been able to change the bank account to the new one. And Chase almost XXXX me again on this card, by arbitrary closure of an account because it didn't specify Member-Managed LLC in the profile and giving me little to no options to fix the issue. Chase ruined the perfect payment history because of repeated system issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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 sent a letter on XXXX XXXX to remove these 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 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/2023. Ive already included this in my previous Complaint & 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

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 2022-09-15
Company: Yamaha Motor Finance Corporation USA
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have already called Yamaha XXXX  about the motorcycle they also reported it to the credit reporting agencies that it has a charge off I asked them for my 1099-C form, because anything over {$600.00} as a charge off can receive the form and add it to their taxes because it is then assumed to be an income to said individual. I have yet to receive it as well as they have put it on my credit report and refuse to move it as a charge off I have asked them several times about this incident and they refuse to remove it from the credit agencies or send my 1099-C which is a violation of 15 USC 1681b ( a ) permisable purposes. 
My account with Yamaha XXXX has my name XXXX XXXX with my XXXX XXXX XXXX XXXX XXXX  attached to it Account # XXXX Via Yamaha finance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
With Experian I have issued a letter of receipt for XXXX acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by Experian I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and Experian ignores them and allow the creditors to lie. XXXX confirmation # 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6900.00}.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: MA
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 has yet to resolve the multiple disputes about incomplete, inaccurate, and unverifiable information and is in multiple violations according to FCRA and other consumer laws as stated in the attach affidavit which XXXX is in default. XXXX has yet to pay invoice for violations, damages etc. 
XXXX is yet to take appropriate actions according to FCRA towards fixing my credit report on the disputed incomplete, inaccurate, and unverifiable information.

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 2023-07-20
Company: DISCOVER BANK
State: TX
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 filed a dispute multiple time with the credit bureaus. I have filed a FTC report as well, each XXXX of these efforts have come back that the accounts were verified, and my request have been ignored despite being a victim of identity theft. I the filed FTC report on XX/XX/XXXX of XXXX. 

XXXX XXXX XXXX Acct # XXXX {$0.00} Filed FTC report XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Filed FTC report XX/XX/XXXXXXXX Discover Bank Acct  # XXXX {$890.00} Filed FTC report XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX {$720.00} Filed FTC report XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$20000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently sent letters out to the credit agencies on XXXX  stating that I disagreed with the investigation that was done in regards to my credit report. I requested that they provide the method of verification, including the individual with whom they verified the account with ( names and business addresses ) so that I may follow up with them. They have not responded to me within the 30 day window and are now in violation of the The Fair Credit Reporting Act. ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

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 2022-11-29
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} ; XXXX XXXXXXXX Balance {$370.00}

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 2022-08-10
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX i signed onto Indigo CC ( Genesis FS Card Services XXXX XXXX XXXX XXXX OR XXXX. XXXX ) after receiving a notification for an annual fee that would be charged on this card. I had not used the card since XX/XX/XXXX and carried a zero balance. A new card was sent in XXXX of XXXX which i had never activated the card. When i signed on to site on XX/XX/XXXX i noticed over 8 fraud charges in the amount of {$200.00} where on the card which was NEVER activated. XX/XX/XXXX {$33.00}, XX/XX/XXXX {$15.00}, XX/XX/XXXX {$11.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$21.00}, XX/XX/XXXX {$15.00}, XX/XX/XXXX {$26.00} and XX/XX/XXXX {$13.00}. I placed a dispute on XX/XX/XXXX and received a letter on XX/XX/XXXX stating they found in favor of the bank. I contacted them again on XX/XX/XXXX and spoke to supervisor who also could see the card was not activated and entered a new dispute request. All when i am being advised it will take up to 60 days to resolve. As of today the dispute of the fraud charges have not been resolved and i have continued to make payments on the CC to avoid any issues related to my credit. I do not understand why they would not be able to resolve sooner on a card that was never activated and why they would not refund the charges while they investigated the charges. Their representatives are not knowledgeable and offer no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The weekend of XXXX XXXX money was transferred from my account through XXXX amongst XXXX and XXXX. I contacted my bank, which is Bank of AmericaXXXX, and they were able to refund me for the XXXX and XXXX transactions. 
Neither Bank of AmericaXXXX of XXXX have been helpful/I have a hard enough time getting through to anyone regarding BOA and XXXX regarding my funds that were taken unauthorized. I have tried contacting them on multiple occasions, and have gotten nowhere. 
Another thing to note is the fact that they were able to take out {$3500.00} without my card being dinged/frozen. If you go through the receipts you will see that these charges were not a usual pattern that I would make, so it's crazy to me that those people were able to take that much without anything happening. 
I am afraid to activate my new card as well because charges keep trying to go through even though those transactions were found to be fraud.

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 2023-02-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate information to my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted XX/XX/2023 and a 60 day late payment posted in XX/XX/2023. These are incorrect and supposed to be reported PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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