BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge on my Bank of America ( " B of A '' ) Visa Card for an online purchase. Upon receipt of the product, it turned out to be a recurring billing scam by a merchant that had been repeatedly shut down through FTC enforcement action. I disputed the charge with B of A and initially was given a temporary credit. A month later, I received a letter in the mail dated several days earlier and giving me just a few days to respond or the charge was to be reversed and placed back on my credit card. 


I do not believe this is in line with the Fair Credit Billing Act ( " FCBA '' ) which permits reasonable time to resolve disputes. In particular, when a credit card issuer finds in favor of a merchant, at least ten days is required between the time an adverse decision is made and the consumer may respond further. Here, that was not afforded to me in violation of 15 U.S.C. 1666. This  is evidenced by the fact that the date on the letter itself is only seven days prior to a 'deadline ' to have responded. B of A shut down the investigation before I had time to respond to the merchant as set forth in the code. 


Next I tried to exercise my 'claims and defenses ' remedy and no one at B of A even knows what that is. Specifically I am deprived of my right under the Truth in Lending Act, Reg. Z, 12 C.F.R. 1026.12 Special credit card provisions, which permits me to withhold payment of unpaid amounts. Every one of the B of A representatives, as well as multiple supervisors, have no idea about this right and insist that I have exhausted all avenues to dispute this bill. I state to them I am not again exercising the 'billing error ' portion of my claim, but now a claim that this is an outright fraud which has been adequately demonstrated to B of A, and for which B of A is holder in due course of the alleged debt. The time frame is one year, not 60 or 90 days, depending on who one speaks with at B of A.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Account Is Be Deleted It Has Been Resold

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 2017-07-07
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I financed flooring and installation from XXXX XXXX in XX/XX/XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}. <P/>Once I received an invoice from Synchrony Bank the amount was much higher than my estimate. <P/>I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank. <P/>I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX. <P/>I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service. <P/>Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Has contacted my husband repeatedly after my request for them not to/ and my husbands request to them not to contact him Portfolio Recovery offered a debt settlement and I accepted via mail and sent two checks to them post dated for XX/XX/XXXX. Portfolio Recovery attempted to cash one check on XX/XX/XXXX which resulted in a overdraft fee to my checking account / on Friday of the same week Portfolio Recovery returned my other check and stated then that they do not accept post dated checks. A stipulation not in the original agreement. The second check and both payments for the two accounts were rejected by Portfolio Recovery. They resended the debt settlement offer. They have insisted to have direct access to my checking account upon which I have refused. In turn I asked to set up a payment plan in writing asa formal agreement from them to me so I could settle my debt. They rejected my offer to pay them via an agreement that did not include my permission to them to access my checking account. They would not take any other form of payment other than a direct bank draft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have checked my credit through XXXX XXXX to see why I been denied on purchasing a tv through credit and saw that I have two credit report through synchrony bank which o do n't recognize or know about and I been to trying to dispute it from my record.

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 2022-10-03
Company: Atlantic Collection Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to all three credit companies regarding a collection Debt that is not mine. I have place a fraud freeze on my credit reports and I need this to be removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, Rent Recovery Solutions License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA does not have a license, bond, certificate of authority to collect in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  will not unfreeze my account. Trying to buy a house but  XXXX  says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.     Experian will not unfreeze my account.trying to buy a house but experian refuses to remove the alert or freeze on my credit report in which I did n't agree to.

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 2017-11-13
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, 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:
I have a company XXXX XXXX reporting a collections account on my credit report for Equifax which is incorrect and does not belong to me. I have tried to communicate with this company with certified letters to get them to either prove the debt is mine or remove it from my credit report. First letter was sent XX/XX/XXXX signed for on XX/XX/XXXX the company did not respond other than to place a disclaimer on my credit report that I disputed the debt. I sent a second certified letter to them on XX/XX/XXXX signed for on XX/XX/XXXX and since I had not heard anything. Therefore I filed a complaint with the CFPB reference complaint # XXXX in which this company responded to them they are not the company to address my complaint with. They are the ones reporting on my credit report not any other company. Since the collection account showed up on only 2 of the 3 bureaus I called XXXX  and it was removed because it is inaccurate reporting. I tried to address this with Equifax with no luck so I am hoping that filing this complaint will get it removed from my Equifax credit report. If the company is reporting it but claiming to the CFPB that they are not the company to provide me proof the debt is mine then it is inaccurate and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my Equifax credit report one address that is on my credit belongs to my aunt. <P/>XXXX XXXX XXXX XXXX XXXX, PA XXXX That address belongs to my aunt DOB is showing XX/XX/XXXX My DOB is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in the process of buying a home and realize there is a lot of inquiries on my credit report that I did not authorize. I have contacted the companies and none of them have a written consent from me to run my credit. These are not factual inquiries they are identity theft inquiries. here is the list of inquiries that need to be removed :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX XXXX and the collector for this account, XXXX XXXX XXXX XXXX .... are wrongfully appearing on my TRANSUNION CREDIT REPORT. 
IN ADDITION XXXX XXXX XXXX .... IS wrongfully appearing on my credit report. 
I have NEVER ORDERED ANYTHING from these companies.EITHER someone has used my information to order or it is an error of the company.Also I have never received any product or merchandise from these companies.All 3 accounts should be immediately removed from my credit report.

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 2017-07-09
Company: JPMORGAN CHASE & CO.
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:
There are XXXX hard inquiries on my credit report from the same company : XXXX. The inquiries are 3 days apart.One in XXXX XXXX, 2017 and one XXXX XXXX, 2017. There 's also XXXX inquiry from Chase Bank USA on XXXX XXXX, 2017 that was n't approved. I have credit cards with chase but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt does not belong to me and after research I have found National Credit System does not have License to collect in my state which is Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since consolidating student loans XX/XX/2001, I have consistently been mislead by Navient. I currently have 2 consolidation loans with them. These are my complaints.
1 ) Navient has failed to correctly apply my payments and extra payments to my account. While stating that I would be able to skip payments if I preferred, they falsely set my loan repayment counter to zero So I had to start over in repayment phase. 
2 ) poor customer service and misleading information which lead to a bad outcome. This has set me back and caused me distress.
3 ) Navient automatically put me on 30 year payment plan without consulting me to maximize interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Exeter Finance Corp.
State: GA
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 XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I applied for a credit card at XXXX I was denied by Experian because it said that I am deceased?? How do I correct that information? And what recourse do I need to do for this error??? XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Credit is attempting to collect on a debt that they purchased from XXXX. When I requested debt validation for thus alleged debt thet failed to properly validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Credit Karma, LLC
State: MO
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:
On more than one occasion I applied for a loan or credit card that showed pre-approved and/or outstanding approval odds through credit karma and was denied. This put hard inquiries in my report, kept me from getting other credit and brought down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
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: Their investigation did not fix an error on your report

Complaint:
I have ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: JPMORGAN CHASE & CO.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX XXXX XXXX SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mid West Recovery Systems Re:XXXX XXXX XXXX XXXX Mid West Recovery is listed on my Credit Report Claiming that I Owe a Payday loan to Their Client XXXX XXXX, I never took out any sort of loan with this company, they are demanding payment for Something that never happened, When I went online and did some research in Both of these companies it seems that they are running this kind of Scam on plenty of People Also Payday loans Are not even legal in NJ, I have No documents to upload as I never took this loan and Midwest Recovery will not send me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called Navient on numerous occasions, when I first graduated and received the loans I tried to get a lower payment. I was denied on several attempts. Then I enrolled back in school and continuously had to call. I am very unhappy with the constant denial and lack of support from this organization. I am displeased with the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, XXXX ) I contact Capitol one but they could not trace any information. neither they would able to help me the issue please refer to credit report attach

Company response to consumer: Closed with explanation