BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own 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 monetary relief
Consumer complaint received 2022-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Reporting company used your report improperly

Complaint:
The furnisher/perspective user named PORTFOLIO RECOVERY ASSOCIATES is inaccurately reporting an inquiry on my XXXX XXXX Report and XXXX XXXX Report. I, the Consumer, did not authorize or give PORTFOLIO RECOVERY ASSOCIATES permission to use or obtain my consumer report. PORTFOLIO RECOVERY ASSOCIATES failed to certify the purposes for which the information is sought pursuant to Regulation V, FRCA section 604 ( f ), and 15 USC 1681b ( f ). The FCRA limits the conditions under which a consumer report may be released without a consumers consent and where the consumer has not initiated a credit transaction, which is, if the transaction consists of a firm offer of credit pursuant to 15 USC 1681b ( c ) ( 1 ) ( B ) ( i ). However, there was no offer of credit or insurance made to the consumer and there was no solicitations sent to the consumer in the form of pre-approved offers of credit. By using and obtaining my consumer report without my authorization and failing to meet permissible purpose pursuant to Regulation V of the Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) codified as 15 USC 1681b ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) ; and failing to certify the purposes for which the information is sought pursuant to Regulation V of the FCRA section 604 ( f ) codified as 15 USC 1681b ( f ) makes you liable under 15 USC 1681n ( a ) ( 1 ) ( 2 ) and 15 USC 1681o. This ongoing invasion of privacy has caused me mental and emotional anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My TransUnion credit report shows the following : Credit Alert : New Inquiry Reported by : XXXX XXXX XXXX XXXX XXXX Reported on : XX/XX/2022. 

I've done no personal business that would require a credit inquiry reported on that date. When I made my first call to TransUnion, I provided the following PII via their automated phone system : 1. billing zip 2. social security number 3. date of birth 4. numeric street address I also had to answer, via the phone system, at least 3 screening questions. When the agent began my call, she referred to me as " XXXX. '' She explained that was the name the system generated after I provided four pieces of PII and answered three security questions. When I explained that I am not XXXX, she wanted me to provide my PII again. 
I am very concerned that someone named XXXX has stolen my PII and used it to apply for credit. Again, I made no credit applications that would have required a credit inquiry reported on XX/XX/2022 and the fact that TransUnion referred to me as XXXX after I provided this PII is scary.

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 2022-12-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay my balance in full every month for my XXXX XXXX XXXX store credit card. I have now had multiple issues with being charged late fees and interest when the balance is paid in full. Today when I tried to resolve the issue, they customer service representative hung up on me. After doing some research into these practices, it appears a lot of customers have similar issues. XXXX even stated that fees occurred after closing their account. Please stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2022-12-21
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've tried many times to explain to this collection that this nit mine and ask fir it to be verified with a contract and id that was never done its 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 explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NC
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have several accounts with Pentagon Federal Credit Union ( Pen Fed ). Due to the pandemic I became behind on one of credit cards with the Pen Fed. I contacted Pen Fed and was told that my HELOC was in jeopardy of closing if a payment wasn't made that day. I made the requested payment to keep my HELOC open and not negatively impact my credit score. 
Despite the agreement the HELOC was closed anyway. I called the bank and was told that a supervisor would look into the matter. I called several times and was told the same thing. Then today, XX/XX/XXXX I called and was told that the HELOC was closed due to my credit score dropping. The loan is a secured loan and after reading all of disclosures no where is it stated that the account can be closed due to credit score. It does state that the credit union has a right to freeze the account for non payment. But this was not the case. 
The credit union made a verbal agreement to keep the account open but not only did they renege on that agreement that closed the account for reasons that were not part of the disclosures documents when the HELOC was opened.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 just pulled my credit report online. There were accounts on there that were not mine.

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 2023-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing in accurate information. with XXXX, XXXX and instead of removing the inaccurate information they have been removing inaccurate information and replacing information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the last 24 hours Citizens Bank has refused 3 separate payments of {$2500.00} from 3 different law firm clients via XXXX, killing our business and jeopardizing our clients legal cases. 

When we call or email them they either dont answer or say its our clients bank or XXXX fault. 

Whats going on here?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: SC
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 first 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, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Wells Fargo Bank purchased Wachovia Bank. Wachovia Bank, had been taking all my payments on a truck I had bought and financed with another company Wachovia had purchased. Wachovia Bank took all my payments, but I have no idea where my payments went to. Wells Fargo Bank purchased Wachovia, but Wells Fargo Bank never gave me any kind of " notice '' that they purchased the Bank that had my account, the " notice '' is required from the purchaser of a bank that has an account with a consumer that will be affected by the " Material Change of the new purchaser of the consumer 's account holder the purchased Bank, the notice required by 12 USC 45a and said law also requires " contact information '' from the purchaser of the bank must be included in the required notice also to the consumer, Where is that " notice ''???????????? ... ... ... ... ... ... ....

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 2023-08-29
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15.

U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express Platinum- I have requested SCRA benefits be applied to my card on 3 different occasions since opening the card over a year ago. They still have not sent a response. I have called and been told by the representative that I do not qualify for SCRA benefits however according to SCRA benefits guidelines I do qualify as well as all my other cards with other companies I have been granted the benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX and 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 2023-02-22
Company: EQUIFAX, 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:
It looks like XXXX is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, XXXX randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, XXXX mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. XXXX did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because XXXX 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. XXXX 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ). 

On XX/XX/XXXX, XXXX failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for XXXX. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
had atm withdrawls happen on my card that i did not authorized, was denied the claim, i did not authorize these withdrawls bank : bank of america company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CASE NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the creditor has violated my Rights. Under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.

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 2022-12-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have tried to talk to a supervisor and they hung up. I have told them to put in my record for any extra payment should be going to the principal and since I pay about every two weeks that the interest and principal should be different

Company response to consumer: Closed with explanation