BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NJ
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 am so sick and tired of Equifax, XXXX and XXXX violating my consumer rights over and over again. They are lying me stating they have done an investigation to verify the accuracy of these late payment when in fact I KNOW they are lying. I have been in dispute with getting the following late payments REMOVED and updated on my consumer report. Late Payments removed from : XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX and XXXX XXXXl # XXXX They have violated so many of my consumer rights but here are a few : 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My statement closed on XX/XX/2020, payment due date was XX/XX/2020. The statement had only 2 charges : XX/XX/2020 {$1200.00} XX/XX/2020 {$1000.00} Both charges were refunded by the merchant before the payment due date : {$1200.00} was refunded on XX/XX/2020 {$1000.00} was refunded on XX/XX/2020 This brings the statement balance to XXXX. Bank of America system didnt identify that the statement charges were " All '' refunded and still showed me that a payment was due. I thought this was a bug in their system that will auto-correct once the new statement closes. To my surprise, my account was marked past due and I was charged a {$25.00} late fee on XX/XX/2020. 

On XX/XX/2020 I chatted with a BoA customer care representative who denied my request to remove the late fee, I requested that my issue be escalated to a supervisor and was told to expect a call within 2-4 hours. I then called ( XXXX ) XXXX XXXX at XXXX XXXX ET and spoke with a customer care representative, she said : I will submit a request to get the {$25.00} late fee refunded. At XXXX XXXX ET, I received a call from a supervisor at BoA, I explained to her what happened, she said she doesnt see any notes on my account that I spoke with anyone and doesnt see a request for the late fee refund. She also denied my request to get the fee refunded. 

What happened is an error in Bank of America system that no other bank has. I own credit cards with All major banks ( XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ), their system automatically deducts refunded charges from the payment due amount. 

Charging customers late fees and expecting them to pay for a statement that has XXXX balance is not legal and Im surprised that BoA didnt get sued yet over this.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$260.00}

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 2016-10-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I transferred money into the wrong account, I called Navy Federal Credit Union as soon as it happened ( XXXX EST ) and was told that I could not get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have endorsed this debt with XXXX XXXX  XXXX and then also disputed this debt multiple times with Suttell & Hammer, yet they keep sending me harassment letters containing my private information that was sold to them by XXXX XXXX. I will be filing XXXX complaints. I endorsed the credit card on XX/XX/2022 with certified mail article number XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXXXXXX an endorsement where I sent payment in accordance with XXXX XXXX in the form of remittance or coupon payment. I also stated that the account be closed and no longer reported to any credit agencies. I know that it was received and signed for by XXXX XXXX on XX/XX/2022 due to the certified mail receipt I received. This can be tracked with the certified article number XXXX XXXX XXXX XXXX XXXX. 

Now there is a law firm ( Suttell & Hammer ) writing me a letter with statements attached, and I did not request any details or account history, nor would any of this information matter. There is no original contract. No verification pursuant XXXX XXXX XXXX I do not see any signed contract by me with my signed obligation that I would pay this debt. Statements are not a validation of debt. Pursuant XXXX ( d ) you must provide the original Contract. If you can send me the trilateral contract that I signed, not the copies, but the original contract, which I know you can not, because I know I did not sign one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a Truck from XXXX XXXX XXXX in XXXX XXXX ... they procured my financing through Ally financial. I have never heard of this company and their logo is purple so getting a call from an unknown company asking you for {$800.00} you would be a little wary. Calling XXXX XXXX various times only left me with numerous " I 'll let you know who your loan is through '' not real answers ... not an actual name, account number, nothing. I sent {$250.00} to test the company first. Seemed to check out so I sent the remaining payment. They break down payments as the following : Date Payment Amount Description for Payment Type Code Finance Charges Late Charges Other Charges Total Paid XXXX/XXXX/2016 {$310.00} Outside Bill Pay {$98.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$280.00} Outside Bill Pay {$120.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$360.00} Outside Bill Pay {$48.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$490.00} Online payment {$67.00} {$0.00} {$0.00} {$560.00} XXXX/XXXX/2016 {$0.00} Outside Bill Pay {$250.00} {$0.00} {$0.00} {$250.00} Their Finance Charges as you can see change daily!? 
I agreed to no higher than 6 % interest and the way they creatively have this set up I 'll end up paying $ XXXX for a $ XXXX truck. 
I looked into refinancing, thinking please XXXX XXXX save me ... They pulled my information and let me know that they have been reporting me late on my payments ( even though I have not been ). Now they lowered my score so I 'm stuck with them. What a scam. I have never agreed to this! I never signed paperwork with this company the last thing I was told through XXXX XXXX was I was dealing with XXXX XXXX for a loan ( my own bank ). I called on XX/XX/XXXX16 and talked with XXXX asking for any explanation and a review of the credit reporting. I 'm sure they will say it was late the first month or they will have some creative excuse, but I can not pay a bill I had never received, to a bank I have never heard of, with an account I did n't know I had. I am livid. They charge daily interest so if I pay a month in advance will I not have this? Its worse than " late fees '' XXXX forbid if it will actually be late. There a significant difference in their fees and it is not what I agreed to. I still have n't received a paper statement once. ( I was informed that they send me email ones. ) I feel like this is the biggest regret of my life. I can not afford this.

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 2016-08-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit card account with Citibank and got closed due to no transaction. I moved out of XXXX during the Citibank shutdown their service in Texas and hence i could n't keep my credit account active as it is only linked with my citi checking account. Now when i returned, i noticed that my credit score is not available and when i checked with XXXX, i came to know that my credit card account details were not reported to credit unions till date. This resulted in loss of business deals and other purchase offers. Please do the necessary to revert back my status and compensate for my loss and sufferings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX 2016 XXXX took a fraudulent application for credit and ran it anyway through the transunion bureau. Transunion had a credit freeze due to fraud on the account but permitted this to go through anyway. I called today to dispute this and was told that it was not transunion problem, but if i paid them money they would put a lock on my account. also transunion also stated that even though they placed a freeze on my account there was no phone number listed on it. needless to say, i have a hard inquiry that should not be there, transunion tells me that i should call XXXX XXXX ( but the number that is listed on the credit report does not work and when you XXXX the number you need an account number ) so there is no way for me to get in touch with the company. when i told this to the rep they became loud and yelled at me, they told me that it is my problem and that i should dispute this elsewhere since its not their problem

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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : 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 2022-04-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have daughter who is a minor and I am trying to freeze her credit with Equifax. I have mailed in the required paperwork requested by the company on their website in order to freeze the credit of a minor ( Minor Freeze Request Form, minor 's SSN, minor 's birth certificate, my government-issued driver 's license, and a utility bill showing my current address which was different than on my ID ). I have called Equifax over 5 times, speaking to more than 5 different individuals, and getting multiple stories and letters as to why they are unable to place a freeze on my daughter 's credit. The most consistent story is that since my daughter has no credit history, there is no credit report to freeze, and there is nothing they can do. However, even the Equifax website states " Should you request a security freeze be placed on your minor dependents credit report, a credit report is created for the minor and then frozen. '' I spoke to one Equifax individual on XX/XX/22, who stated that a temporary credit report needed to be made for my daughter, then a freeze could be placed on the account. He said that we was able to do this, and I even have a confirmation number for this freeze. However, the next day another letter was issued to me that a freeze could not be processed. The other two credit agencies ( XXXX and XXXX ) were able to easily freeze my daughter 's credit with no issue. 

I have all but given up that Equifax can not, or will not, do anything to help proactively protect the credit of minors. Instead, I was told once my daughter has a credit report ( as in, someone abuses her credit, opens accounts in her name, and fraudulent activity has already occurred ), THEN I can freeze her credit. This is very disappointing and unacceptable for a company that explicitly on their website states " Consumers under the age of XXXX typically do not have credit reports. Unfortunately, that means they present a blank slate for fraudsters who can apply for credit and take out loans in their name. The identity theft may not be discovered for years, until the child is a young adult. '' Equifax is only wanting to take action after the fact, when the damage has already been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On or about XX/XX/XXXX my XXXX credit card ending in XXXX went past due. On XX/XX/XXXX my account was charged off. This account is still reporting and should have been removed based on the fact it has been more than 7 years since the date it first went past due. 

I have attached statements for the account proving the status of the account 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 explanation
Consumer complaint received 2015-07-28
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I am having trouble paying off a debt I incurred with the original credtor pay pal credit. They then transferred the debt to XXXX on XXXX XXXX of 2014. I called XXXX and they said they sent it back top pay pal. I owe over XXXX dollars I want to pay my debt but I cant find it Its in limbo. Neither company will trace the debt and help me I have called multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 countless 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, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Hi, This is XXXX XXXX. I hold my Bank of America credit card since XX/XX/XXXX. From the beginning to till XXXX XXXX, Bank of America reported wrongly my credit information to other person 's SSN. Due to this my credit score is heavily affected and I am in big loss.

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