BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, I took advantage of a promotional offer from Bank of America for a balance transfer for 18 months at 0 % percent interest rate. 

On XX/XX/XXXX, I notified Bank of America of a fraudulent charge from XXXX XXXX  that was pending and asked BOA to block this charge. I disputed this charge several times. BOA refused for months to remove the charge from my account although XXXX XXXX confirmed it was fraudulent and cancelled. 

During this period BOA began charging my account interest, and for the next six month refuse to reverse the charge and interest. In addition, raised my minimum payment due based on this fraudulent charge. 

I again reached out to BOA XX/XX/XXXX the assured me the problem would be taken care of and charges reverse. To date, BOA of America has refused to reverse said interest charge and lower the minimum payment due in accordance to the promotion offer. 

BOA is engaging in deceptive and fraudulent business practices in commerce trade and I would like to file a formal complaint and asked CFPB to investigate and enact or enforce laws that would prevent bank from engaging in this deceptive business practice.

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 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXXthe 2017.my credit was inquired by XXXX XXXX without my authorization.

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 2021-07-22
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is a horrible horrible horrible company. 4 years ago the attached application was incomplete but Experian furnished my personal information anyway that then led to a fraudulent auto loan. I have repeatedly tried to call Experian which is an exercise in pure stress. XXXX  XXXX XXXX XXXX is on my credit report because credit was pulled based upon an incomplete application and information stolen by Experian. I have asked Experian why the application was processed and why my personal information was supplied by Experian but have yet to receive an answer. 4 years later and still no answer from Experian.

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 2020-10-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I requested to waive the late fee because I missed the payment by accident for my payment on XX/XX/2020. The fee was waived however it was not explained to me that it would credited to the balance and not the actual payment so I made my payment minus the late fee. I was then charged another late fee and I reached out to the company and was explained that once the payment posts for the XXXX statement everything would credit back to my account and I was assured that my XXXX statement would be normal. I did not receive a statement and only realized that they had charged another late fee and carried over the {$36.00} late fee previously. I reached out and was told " we are sorry you werent explained the process, but we cant waive the fee '' I asked to speak with a supervisory and was placed on hold and no one ever came to the phone. My credit card bill went from {$36.00} Dollars monthly to {$110.00} because of fees.

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 2017-06-30
Company: EQUIFAX, INC.
State: IA
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:
While checking my credit report I noticed credit inquiries that I did not authorize made by the following companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Being  that I d id not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b ( c )   and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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.

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 2022-01-10
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:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

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 2022-01-10
Company: EQUIFAX, 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 have sent letters to the companies as well as dispute with the credit reporting agencies about these alleged accounts on my report, as well as a bankruptcy on the account. I also asked for verification of the validation since I am being told that it is still accurate and correct. I was told they have a contract with the reporting company and that do not have to disclose any of that information with me as the consumer because it matches my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this JARED GALLERIA / XXXX account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial is reporting that I was eight times over 30 days late on my account.by my records I was one first time late over 30 days on XXXX XXXX other 7 times I was not late.i file a dispute with them over 3 months and all I get is they need more time to research my account. Also.Ally was reporting to the credit bureaus my balance with them was XXXX .when it really was XXXXthis is greatly affecting my quality of life.i have applied for credit and have been turndown.

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 2022-05-03
Company: Experian Information Solutions 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:
accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instruction

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 a account without my written instruction

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 2022-01-10
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Cashnet USA claims a payday loan which is not mine, I sent it Id theft affidavit, they responded that XXXX my responsibility I filed additional complaints as requested proof of loan docs that they had 15 days to provide and did not, I asked them to remove again XXXX/XXXX/XXXX, and have not contacted me with status and left several voicemail response with no return update

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Stallings Financial Group, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$190.00} has placed another collection account XXXX/XXXX/XXXX. I have not lived in Georgia since XXXX XXXX, XXXX. I am currently residing in XXXX XXXX, Nevada. I have informed them as of last week when I called to dispute another collection with them for XXXX XXXX/XXXX/XXXX from the same medical business. They are rude and refuse to listen to anything you have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The tactics of staff when you call Doberstein Law firm is harsh and no way treat people. Originally I was served papers over 1 year ago during the time of the pandemic. There office was closed I left messages attempting to reach as I as well faced with loss job due to pandemic. I appeared at court and the judge advised the attorney and myself to try work things out. I called the office and set up an agreement. The balance was around {$2000.00} and I paid consistently weekly out unemployment funds. I had to end as funds ran out XXXX XXXX XXXXXXXX XXXX. I called XX/XX/21 to advise working now and get something set up. Balance {$690.00} I advised just started working if settlement can do or get weekly payments set to. The rude, dont know how talk people like we filed suit and our client would want us go for suit. WHY? I asked speak with an attorney and advised attorney will advise me same. Im sure person answering phone should not be able advice any legal advice and/or advise what an attorney could advise me. Im trying to pay. No one has called me to follow up on account but when I call its we filing suit. Thats scare tactic and their office was closed so to staff should be understanding if they was without income as we all are now coming out this pandemic. I get it people owe, but if someone is trying you dont turn down accepting something or trying work out options. Better ways to treat n talk to people

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX, I received a debt collection notice for {$1300.00}. Because I was clueless about the specifics of this debt, I immediately called the Credit Collection Services company and was instructed by a supervisor to submit a form to them via their website platform disputing the validity of this debt. This was on XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have still not received the information I requested and it has been more than 30 days after my initial letter disputing the validity of this debt. 

On XXXX/XXXX/XXXX, I received another letter dated XXXX/XXXX/XXXX from the Credit Collection Services. I immediately called them and informed them that I submitted to them a request for validation and more information about the specifics of this debt. The representative did not address my concerns. I want to know what exactly this debt is for in very specific detail. I have every right to request this very important information. 

This is not the first time this company has failed to address my concerns after me making every effort to reach out to them. I would like for this company to address my request for more information and or to cease their collection efforts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Allied Collection Service, Inc. (Indiana)
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Allied showed up on my credit report last year for medical debt and they have recently filed a suit against me in small claims court. I contacted them to let them know I did not know who they were or why they were reporting these debts and to verify the debts. These accounts were from the local hospital. I was told that if the debts were mine and validated, that I could not pay the hospital and would have to pay Allied directly. XXXX told me this on a phone call XX/XX/2021. 

I called the hospital billing department to get them to validate the debts. They sent me the bills in the mail. Allied also sent me bills that all added up to {$800.00}. The bills that Allied sent me added up to the bills the hospital sent. 

I paid the hospital this amount directly, as they recalled the debt from Allied. This happened on XX/XX/2021. I have never had any transactions with Allied, because though they verified the amount, they never proved that they had the right to collect the debt. They are continuing to report inaccurate information on my credit report. They never updated these multiple accounts as disputed, and now they aren't removing them, as they no longer hold the debt. The hospital recalled it, and it has been paid. 

They are also stating that they will continue the lawsuit because of two bills that they did not and can not validate. I spoke with XXXX and XXXX on the phone on XX/XX/2021, and they said that even with the paid amount to the hospital, they're still collecting on two additional accounts that they did not validate when I asked. They had the opportunity to send these to me and did not. 

Allied also had personal medical information that was much more than the minimum amount of information they need to collect on debts. They sent me with their validation what procedures these bills were for, which is a huge HIPAA violation. I can prove this with their validation paperwork. Also, on the phone call I had with XXXX on XX/XX/2021, she almost slipped up by mentioning one of the procedures that one of the bills was for. 

They need to quit reporting these paid and inaccurate medical bills : - The debt has been recalled by the XXXX, and they are not the hospital. 
- The debts were disputed but not reported as disputed. 
- They provided me with my personal medical history that they should not have had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been in contact with ( Central credit services ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. Central credit services agreed to remove debt from my credit report as of XX/XX/XXXX. This action has still not been done. i have called into central credit services on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : XXXX XXXX XXXX Original creditor XXXX XXXX is still showing from the collection company central credit services.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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.

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