BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have already filed a complaint with CFPB RE : XXXX On XX/XX/22 received a phone caal from BofA stating they need more time to investigate my request. 
on XX/XX/22 BofA communicated to the CFPB that require additional time to research the issue. 
On XX/XX/22 I received a letter dated XX/XX/22 from Bof A stating " We are not able to approve your recent claim as our record indicate that we completed the transfer according to the instructions you provided and therefore no error occurred. Based on this your account won't be credited ''. 

I never asserted that bank of America made an error my complaint was mainly based on the fact that I was not able to get in touch with them and had I been able to speak with someone when I first call perhps they could have been able to stop the payment. 

It is clear that bank of Americans not able to answer customers phone call promptly and evidence is also showed by the fact that it took several days to communicated to CFPB that they need more time to investigate. 

I lost all hopes at this point of being able to recover the amount in question but I am not happy with the fact that it was almost impossible to communicate with Bank of America via telephone. The most egregious time was when after baeing placed on hold for more than an hour I lost the communication. 

Certainly I am not going to stay here and cry over {$160.00} but, I have been a customer of Bank of America for over 30 years and I would have expected a better response with a signed letter not just what seems a standard impersonal letter denying responsibility. I have several direct deposits arrangements and also some automatic ACH being processed through BofA. as soon as I am able to switch those to another institution I will regretfully terminate my relationship with BofA.

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 2022-08-22
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from CMRE Financial Services on XX/XX/XXXX for XXXX XXXX XXXX XXXX Date of Service on XX/XX/XXXX. I immediately contacted my insurance to fix the error and the claim was correctly processed and paid to XXXX XXXX XXXX on XX/XX/XXXX. I have contacted CMRE Financials to close this case and have spoken numerous times with their debt collectors who assured that they " will open an investigation '' and I will be receiving a verification in writing that the account/case will be canceled. I also faxed the Explanation of Benefits to them twice at their request. ( Note attached docs ) XX/XX/XXXX - my initial contact when I received the notice. Spoke with XXXX XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX who opened an investigation and assured that it will take 7-10 business days to resolve. On XX/XX/XXXX I faxed the EOB to ( XXXX ) XXXX XX/XX/XXXX - spoke with XXXX who never called back to confirm fax receipt XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX and faxed the EOB again to ( XXXX ) XXXX on XX/XX/XXXX After all of this, I'm receiving a new collection notice dated XX/XX/XXXX last Saturday, XX/XX/XXXX. Can you please address my complaint with CMRE Financial Services who should not be in this business due to lack of best practices? There is clearly a disconnect within their organization that may negatively impact on customers ' credit scoring. 

XXXX XXXX ( husband ) of XXXX XXXX XXXX ( debtor )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MS
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:
The Credit Bureaus XXXX XXXX, XXXX, and Experian ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to pay my credit card statement for my XXXX account through commenity but the website has been down for a week. Card is also being declined, and call center hs been shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Crow Creek Sioux Tribe
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Borrowed XXXX from XXXX XXXX. Lady on the phone did not explain the interest rate would be XXXX after paid off on a weekly basis

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I learned that my personal information was part of the security breach at Equifax and signed up for their complimentary credit monitoring service, XXXX XXXX, on XXXX XXXX, XXXX. At that time, a message stated an email will be sent within the next several days with a link to complete the sign-up process. I have called them several times and they just keep telling me to wait and they have a lot of people to respond to. As of today, XXXX XXXX, XXXX, I still have n't received the email with the link to complete the process. I have helped others with this same problem after I submitted my information and they have received their email link. I do n't understand what the problem is and tired of getting ignored by Equifax when they where negligent in protecting my information in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MS
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:
The Credit Bureaus XXXX XXXX, Equifax, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX, Inquiry Date XX/XX/XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: MI
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 disputed the information furnished for a private student loan to Experian on multiple occasions. On at leas one ( 1 ) of those occasions I filed CFPB complaint XXXX. I supplied documentation showing I had not been receiving bills and that the lender was sending bills to addresses at random, some of which I have not lived at in over fifteen ( 15 ) years. Experian insists it conducted an investigation and the updated credit file now shows the oustanding balance that is ten ( 10 ) times as much as it was originally reported. Experian alleges the balance was updated on or around XXXX XX/XX/2023. As a result, not only does the derogatory payment history continue to report, but now reports with a balance that is ten ( 10 ) times the outstanding balance. Given that Experian has been supplied with documentation indicating incorrect ( address changes ) by the furnisher, Experian knows, or should know that I have not been receiving statements that are compliant with TILA/Regulation Z, and as such knows or should know that the information it persists for this account violates 15 U.S. Code 1681e because the information furnished by the lender is as result of the lender 's own negligence.

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 2022-06-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft, and someone obtained a copy of my driver 's license ( through changing mailing address with New Jersey XXXX ) and applied for a motorcycle loan with XXXX XXXX XXXX ( transaction happened on XXXX, location : XXXX New York, amount : {$28000.00} ). 

I was made aware of this fraudulent activity after I received a letter in the mail on XXXX. 

I then filed a police report immediately with my XXXX Police Department and FTC ID theft report on identitytheft.gov on XXXX. And subsequently filed a stolen vehicle report with New York Police Department on XXXX. 

A claim was filed with XXXX XXXX XXXX on XXXX, and denied even though the police report and the FTC ID theft report were all provided to the loaner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: GA
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've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with Equifax regarding a student loan that continues to show on my credit report with them from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$4.00}. 

The amount represents a student loan for which I applied and was approved for last XXXX to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and XXXX that the funds in question were returned to XXXX. However, every time attempt to have my Equifax credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from Equifax stating that XXXX confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called XXXX months ago I was also told that my balance was {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Received notification on XX/XX/2022 from my credit report monitoring servicing advising that Barclays Bank Delaware had done a Hard Inquiry on my credit. This inquiry was done on XX/XX/2022. I reached out to XXXX to dispute... They instructed me to complete an Identity Theft Report and also placed a Fraud Alert on my three credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Have had a Fortiva Credit Card for about 8 years. Due to limiting spending activities due to the pandemic and inflation, the only activity on said card was XXXX, XXXX and the payment of a maintenance yearly fee on XXXX. On Wednesday, XX/XX/2022 I received an email saying my Fortiva account was closed due to inactivity. I called their center on Thursday, XX/XX/2022 for an explanation, After waiting for XXXX minutes for a rep, she finally answered, she barely spoke English, could hear me well enough to take my information and complaint, then she stated the call was " breaking up '' and she couldn't hear me and hung up.on me. So I immediately called back and chose the text message option, rep was named XXXX. He stated the account was closed due to inactivity, although I reminded him there had been 3 transactions in the past year, he stated once the account was closed, it could not be reinstated. Said " apologies '' End of conversation.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX Account XXXX : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 4. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXXXXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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 2022-11-30
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Re : Increased Interest Rates I have contacted US Bank four ( 4 ) time concerning increased interest rates on past purchases. Requesting they reduce these rates. My request is based on the regulations by CFPB and the Credit Card Act passed into law ( XXXX XXXX thru XX/XX/XXXX ). I have never received any information from CFPB or the Credit Card Act making changes or canceling these regulations, or they are no longer effective. ( There is a ban on arbitrary interest rate increase, including retroactive rate increases. The Act states that banks can not raise rates on your existing past balances, unless you have failed to make payments for 60 days or more ). I feel US Bank has not adhered to these regulations. 

US Bam stated they have the authority to raise the rates based on the Federal Reserve increasing the Prime Rate. These increased started before the Prime Rate was increased. 

US Bank has been increasing my interest rates for a long time, sometimes every month. ( Beginning XX/XX/XXXX, interest rates for purchases was 7.24 %. Rates have increased monthly/yearly to XXXX to 17.24 % and 21.24 % for purchases ). I have contacted them other times concerning the rates. They have never reduced rates. I have had this account for many years. I have always made on time and before due date. ( Was late one time for 2 days, because I had not received my statement ). 

I have requested they review and re-evaluate the increased interest rates, based on the valid regulations, and apply a rate deduction. This request was denied. 

I received a Platinum Card Agreement letter from US Bank state the interest rate for the APR will be effective XX/XX/XXXX. This letter was received 5 to 10 days after my contact with US Bank. This is the first time I have received a letter re interest rate increases. 

I am filing this complaint for review, based on the valid regulations. I want to be treated fairly as a loyal customer. 

RESOLUTION : Lower/reduce past retroactive interest rates applied to past purchases, based on valid regulations. Credit account, and adhere to regulations. 

THANK YOU I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: SF VAGO, LLC
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: Account information incorrect

Complaint:
I paid off my vehicle loan with State Farm Bank. I did go into collections and whatnot but I paid everything. My car was never repossessed. It never left my possession. But the company reported that the car was repossessed. I filed a dispute through the bank for this error. They stated it was legit even though I never paid any repo fees or the car was never picked up. I am applying for a house and this is seriously hurting my progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation