BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has been reporting and continues to report Account XXXX with XXXX XXXX XXXX as an open collections account even though this has been paid in full and should be removed from default status. I have disputed this fact on numerous occasions with Equifax and they have " verified '' information as accurate. I have attached a letter from XXXX XXXX XXXX on their letterhead stating the paid in full balance, removal from default status, closure of account, and statement dates. Equifax is reporting false information though we have provided facts to support our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: National Credit Adjusters, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this company recently because I am attempting to verify this debt before paying it/doing anything to attempt to get it off of my credit. The company attempting to collect is National Credit Adjusters, and on my credit report it claims that I owe XXXX dollars for a debt that was taken out in XXXX XXXX XXXX XXXX XXXX XXXX potentially a subsidiary of XXXX XXXX XXXX? ) in XXXX, which is absurd because I lost my job then due to coronavirus and have been going out of my way to clean up my credit since then, and opened no new accounts. I therefore called the company to attempt to obtain a copy of the original invoice and verify whether or not I did owe this debt at all before paying. When I contacted the company the person I spoke to got very flustered and said, her words not mine, they could " try and get the invoice. '' I asked whether or not they had it and she said " well you did take out a credit card in XXXX '' and I told her that it wasn't showing up on my credit as being from XXXX, but from XXXX, and also that I was asking them to provide me with a copy of the original invoice, and if they couldn't do that that they were legally not allowed to collect the debt. She told me that she couldn't do that. I then asked to speak to her supervisor who kept talking about XXXX, and told me I couldn't have a copy of the phone conversation in which the previous employee admitted to not having the invoice, and said I might receive one within 30 days- but I was under the impression they had to have it in their possession in order to collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for a credit card at Sams Club. It goes thru Synchrony Bank, Creditor, XXXX. XXXX XXXX, XXXX FL XXXX. 

On the application it stated that the credit rate would be either 14.90 or 22.90 based on credit worthiness and other factors. I have explicitly good credit and have very little debt. I only owe on a car loan for myself and a co-sign on a car loan for my daughter. Balances for both around {$9000.00}. My home is paid for. I was given the 22.90 interest rate. I received the notice that said the credit rating was used. The credit score in XXXX with no detrimental items listed ( I have never been late on a payment ). Upon placing a call to the company, I was told that you had to have a XXXX credit score to get the 14.90 rate and had to have an ability to repay due to the 2012 Dodds Frank act. With an adjust gross income of over {$80000.00}, this indicates an ability to repay and my credit score is much well above the normal credit score. I would like to keep this card as it benefits my use in my business practices. However, I truly feel that this company has an unfair lending practice by not giving me the 14.90 rate on this card. This has never happened on any credit card that I have gotten for a personal credit card. Also, several months ago, I did get a small business credit card with my same information from a different company and the rate was 12.90. Again, this company has a fair lending issue. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/2016 Balance {$0.00}

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 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 Bank of America called me from their XXXX number to let me know a fraudulent transaction happened on my account using XXXX that i never used in the sum of XXXX. The told me to transfer the funds back to myself. They sent me a pin and authorization cade. they knew my acct last 4 numbers and also knew my available balance. 
I got a text on my phone asking for authorization to transfer funds which i replied no and i immediately got a txt back from fraud dept to call an XXXX number. 
i called the number from a land line while i had BOA on my cell. after 30 mins on hold someone answered and told me that they had a huge call volume with similar complaints to which i replied can we fix this asap. She replied the money is gone. 
Under REG E, i did not contact or induce the transaction, Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts. 
The Consumer Financial Protection Bureau put out a directive in XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' " This is when someone tricks you. So the whole idea that treachery is involved should mean consumers are protected by Regulation E, I spoke to bank of america when i recieved a letter telling me the claim is denied and after speaking to a supervisor and explaining the entire thing she said she would refund the money, after trying she said her authority level was for XXXX and she was moving it up to her supervisor and it would take 24-48 hours. 
a week later I am on the phone with BOA again getting a run around. 
the transaction was initiated by BOA, they knew my acct specifics and balance. The app they use " XXXX '' is owned partially by the BOA and six other banks with the same problems for their consumers. 

BOA is responsible for the claim and now states they are awaiting correspondence from XXXX which could take upto 45 days.

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 2020-04-19
Company: Experian Information Solutions Inc.
State: CT
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:
Experian is reporting an account of mine as a revolving line of credit when in actuality it is an installment loan. I have the same payment every month and can not add to the credit. The XXXX XXXX XXXX of the English Language, 5th Edition defines revolving credit as : n. Credit repeatedly available up to a specified amount as periodic repayments are made. 
n. Any form of credit that does not have a fixed number of payments n. a consumer credit line that can be used up to a certain limit or paid down at any time In addition it states in the account notes " credit line suspended. '' Lastly, I have included a letter from the bank stating the conversion. Every other bureau has this reporting correctly. When I ask XXXX XXXX what the issue is, they state that Experian is reporting it incorrectly. When I question Experian, they blame the bank. I've been getting the run around for nearly 6 months now and it's time to stop. In addition, I have sent Experian at least 3 Identity Theft reports, but they continue to state they have received nothing. I have sent all three to XXXX. XXXX XXXX, XXXX, Texas XXXX the address on there website.

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 2016-10-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After speaking with PennyMac mortgage, the representative failed to close out of my account and inadvertently set up auto bill pay to my mortgage. The error was only recognized when I a received a letter stating I had set up bill pay. By that time, the other customer 's payment had posted to my account. The payment was reversed but the following month the company determined my bank account had been closed so I was sent to collections. Nothing about my bank account had changed. The error must have been made when linking my original checking back to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Yesterday, DriveTime called every 2 hours starting at XXXX I placed a complaint. Today they started a XXXX and then again XXXX. I am not even 24 hours late on my payment. This is excessive and annoying my goodness I 'm at work and I know why they are calling. When I get off work I will take care of it. They need to learn positive collection practices, ticking people off is one way they loose customers and have so many repo 's.

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 2016-12-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX agree to disconnected service after they try to raise price I send back their equipment and was told no longer owe anything, but the invoice was sent out by mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ON XXXX THIER WAS AN FTC REPORT SUBMITTED TO ALL THREE CREDIT REPORTERS STATING THIER WAS INACCURATE INFORMATION BEING REPORTED AGENCIES WHERE ASK TO REMOVE THE INACCURATE INFORMATION AND TO BE BLOCKED UNDER FCRA SECTION 611 A 1 A ACT 605 A AND ACT 609

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 2021-06-18
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/21, PNC Mortgage issued me a closing disclosure that showed my seller negotiated closing costs correctly as {$8500.00} ( 3 % of {$280000.00} ). Doc attached. 

Two hours before closing on XX/XX/21, PNC Morgage revised the closing documents to show that the seller negotiated closing costs incorrectly as {$7700.00}. PNC Mortgage did not inform me of this change, my title company did. 

When I asked the title company rep about the reason, she said that PNC Mortgage said they couldn't make the numbers work. This is unacceptable and forced me to have to bring an additional {$820.00} to closing. 

I have made multiple attempts to get resolution from PNC Mortgage with no success. They are no longer communicating with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Below is my original complaint regarding Bank of America : Bank of America is engaging in unfair business practices as follows : 1. Without any notice, they started charging me a monthly maintenance fee on both my checking and savings accounts.

2. They are not investigating disputes. I disputed several XXXX charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from XXXX  does not validate the charges. 
3. These charges have caused my account to become overdrawn and then the Bank charges me overdraft fees. 

In addition, they have reversed two XXXX charges without investigating my dispute. These reversals caused my account to become overdrawn and they charged me overdraft fees. Also, they did not refund the monthly maintenance fee for my savings account. Without notice, they started charging a maintenance fee on my savings. They have also closed my savings account due to the negative balance caused by the fees and have said I will be reported to a consumer agency for the closure of the account for having a negative balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Hello, I have a Barclay 's Wyndham Rewards Visa card - the one with the {$75.00} annual fee. Since I'm not traveling lately, paying the annual fee to receive the associate benefits is irrational. So, several months ago I called Barclays by dialing the number on the back of the card to request to be downgraded to the Wyndham Rewards Visa card with fewer benefits and no annual fee. The agent on the phone advised that I would be downgraded to the card with no annual fee and I could still use my original card and I wouldn't need to take any further steps. Well, I just looked at my monthly statement for XXXX, and I've been charged the {$75.00} annual fee.

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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I've sent three credit report disputes to XXXX, Transunion and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.

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: 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CONSUMER XXXX SENT MIDLAND FUNDING LLC A AFFIDAVIT OF FACTS / NOTICE OF REMOVAL ON XX/XX/2020 CERTFIFED MAIL. OF VOILATIONS COMMITED AND THAT I THE CONSUMER LAWFULLY DID NOT OWE THIS COMPNY ANYTHING AND TO REMOVE MY INFOMATION FROM THIER DATABASE AND REMOVE ACCOUNT FROM CREDIT REPORT. COMPANY DID NOT RESPOND TO DEMAND IN A LAWFUL/ TIMELY MATTER ALLOWED. PLACING THEM IN DEFAULT.. SHORTLY AFTER THE ACCOUNT WAS REMOVED AND ILLEGALLY ADDED BACK TO THE ACCONT. THIS COMPANY HAS CONTINUED TO BREAK THE LAW AND TAKE UNFAIR ADVANTAGE OF OF ME.CAUSING ME STRESS. I HAVE INCLUDED COPIES THAT I HAVE MAILED CEERTIFIED. WHICH ARE 1. AFFIDAVIT OF FACTS/NOTICE OF REMOVAL. 
I ALSO HAVE RECORD TIME AND DURATION OF COMPANY DENYING ME OF MY CONSUMER RIGHTS. WHILE CREATING AND COMMITING DECEPTIVE PRACTICES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: EQUIFAX, 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:
Equifax will not remove accounts listed in my valid identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
after paying Experian a monthly fee to check my credit report and score, i found several items that needed attention and the most critical XXXX accounts in collections, and after talking to a customer service from experian i was told that if this collection accounts where paid and settle my credit score was going to increase greatly and that collection accounts where hurting my credit score, so immediately i stat working on getting this accounts out of my report : i was able to remove XXXX accounts and paid and settle the remaining XXXX, after paying the last accounts i contacted experian and email proof of the paid accounts ( correspondence emails bank statements etc, with the collection agencies ) and they did nothing to remove this accounts and increase my credit score, so i end up filing a complaint with this government agency CFPB, this complaint made experian angry and retaliated LOWERING my credit score from XXXX to XXXX!!!! instead of increasing my score for paid collection accounts my credit score was further damage, and i am here doing the right thing so i can buy a home but now it sims impossible i ca n't fight powerful XXXX, # 1 i sign up to monitor my credit # 2 experian is charging me to give me that information # 3 i did everything they suggested to HAVE better credit # 4 after paying the accounts in question they refuse to correct my report # 5 i file a complaint with CFPB # 6 in retaliation for filing a complaint they broke my legs lowering my score # 7 i am about to loose a real state purchase just got a few days left .... 
as you can see without someone to regulate this credit bureaus this king of abuse will keep happening now i am left with only XXXX option, contacting senator XXXX XXXX and XXXX XXXX, today XXXX/XXXX/2015 i talk to XXXX XXXX # XXXX and she told me to look for legal advice ( hire an attorney ) to represent me??? so i am confuse about the reason of CFPB existence, are they here only to hear people cries of agony ( really ) or are they here to tell the credit bureaus to stop abusing consumers and to really mean it. 
cc XXXX XXXX XXXX XXXX cc XXXX XXXX CFPB Director thanks for any help and i am here XXXX if you have any question XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 I did submit an application to open one ( 1 ) credit card account ( to get a discount on service ). 
The merchant told me that there was an issue with the computer/application process, and the application did not get transmitted. 
On XX/XX/2018 I received nine ( 9 ) XXXX  credit card in the mail. 
These Cards are issued by Citibank N.A. 
I am in the process trying to canceling all of them. 
I want to insure that my information is purged from Citibank 's system, that it does not " share '' my information that all the cards are closed, and that there are no other accounts open ( and will be no additional accounts opened ). 

Additionally I would like to know the reason that the multiple accounts were opened and by who.

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