BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has taken at least over {$100.00} from my account within the past month. And have been eating my whole paycheck, causing my bank account to be always negative.

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 2019-11-21
Company: DISCOVER BANK
State: PA
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:
I have a Discover cash-back credit card since XXXX with no unusual events. On XX/XX/XXXX, I received an email to join a 5 % cash back promotion ( attached a copy ), and I successfully activated the promotion. 
Suspiciously, a few weeks later, I received a new card in the mail, with the same card number, but different benefits ( travel, miles card ). The note says nothing about why Discover changed my card arbitrarily and without contacting me, let alone getting my  permission. 
On XX/XX/XXXXat XXXX EST I called Discover customer service, and after speaking to a supervisor I was told that the issue would be fixed immediately. I was instructed to keep using my cash-back old card, discarding the new miles card without activating it. 
I followed the instructions explicitly. 
On XX/XX/XXXX I logged in to my Discover home page, and was stunned to find out that the card on the account is actually the new, never-activated, miles card. The card number is the same as my current cash-back card. 
There is nothing about the 5 % cash special promotion cash back as well. 
I then called the customer service ( on XX/XX/XXXX, XXXX EST ) and was told that the supervisor from the prior call was wrong, and that Discover can't revert the card change, nor providing me the 5 % cash back that was promised. I asked to be transferred to a supervisor, and the call disconnected. I have never received any call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I do not or have not ever lived in North Carolina my ex-wife and her family is from there but I have never lived there I have never been there but yet I keep getting hard inquiries from there I believe that my ex-wife is using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Auto Trakk, LLC
State: PA
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:
Continue to send letters via certified to company. Company failed to comply with FCRA guidelines. Requested written verification, ( Proof of signature )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
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 hold a home loan from XXXX A/C No -- XXXX. My credit report shows non-payment in the month ofXX/XX/XXXX &XX/XX/XXXX. But my EMI of XXXX was debited in each of these month on the last working day of the month. This is hampering my credit sscore badly.

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 2022-05-04
Company: EQUIFAX, INC.
State: TN
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 report act conversion 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, DEPT OF ED 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 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 A section 2 -it also states a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 report act conversion 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 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 A section 2 -it also states a consumer reporting agency can not furnish your 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 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Identity theft

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$870.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: First Associates Loan Servicing LLC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a settlement agreement with the company and gave them permission to deduct a specific amount from my checking account. They deducted an amount 33 % greater than the agreed upon settlement committing wire fraud and are refusing to issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.

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 2022-05-04
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I DONT HAVE KNOWLEDGE OF THIS ACCOUNT. THEY TOLD ME THE SERVICE IT WAS WITHOUT LEASE AND I COULD STOP IT IN ANY TIME WITHOUT NO CHARGES. AND THEY DO THE OPPOSITE THING. SO THAT MEAN THE SELL SOMETHING COMPLETLY FALSE AND IS A 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 2019-07-22
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX on XX/XX/2019 I received a phone call from XXXX. It is from Medical Data Systems. It was a recorded message saying this is an important message for XXXX XXXX, if you are not XXXX XXXX please hang up, if you are XXXX XXXX please continue to listen to this message. I hung up. I am XXXX XXXX but I will not listen to a recorded message which is robo calling and totally against debt collection practices. If would have been a live person I would have talked to them. They do not identify themselves as debt collectors.

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 2022-01-11
Company: Mr. Cooper Group Inc.
State: TN
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:
I contacted the mortgage company Seterus by the number listed by the credit agencies and there was no response by phone, so I sent a certified letter to the address provided .Seterus, inc. , XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NC XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, first let me say thank you CFPB & Experian for handling complaint # XXXX. I was able to dispute several addresses that wasn't mine. However, when i dispute XXXX  for incorrect information and the wrong drop off date Experian flag the account as already filed a dispute for this item. I haven't dispute anything for XXXX or any XXXX in months. per the message provided by Experian if I have additional information I can upload the documents. I clicked the link to upload and I've attached proof that XXXX again changed the dates. There's no notification or anything from Experian showing the documents was uploaded. XXXX account showed a written off in XX/XX/XXXX and not XX/XX/XXXX. Also the account is schedule to drop off in XX/XX/XXXX and not XX/XX/XXXX. I was able to review the online credit report pulled on XX/XX/XXXX that show XX/XX/XXXX is the drop off date & written off date was XX/XX/XXXX. I also have snapshots of that report pulled on XX/XX/XXXX and I emailed myself a copy for my record. Note : I've attached a snapshot of XX/XX/XXXX credit report showing the written off date & the drop off date for XXXX to be removed. I've also attached a snapshot showing proof that Experian would not allow me to dispute the account. The snapshots of XX/XX/XXXX credit report was the same documents I uploaded today but no receipt or any notifications that Experian received the documents.

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 2019-07-22
Company: American Credit Acceptance, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive Called numerous times and asked why I cant get my credit reported or even a time table of when my payments ive made can be reported.My Account was bought about a year and month ago and still no time table of when my payments can reported to the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX or the XXXX, I deposited {$1000.00} in a Bank of America ATM and they have never credited my account. I did not realize this until the XXXX of XXXX. I immediately called Bank of America and filed a complaint about the incident. I frequently deposit cash at this ATM at Bank of America. I have never had a problem with doing this until now. I have been a customer of Bank of America for 27 years. I deposited that amount to cover some of my bills. I can't afford not to have that money. I am on a fixed income and XXXX. I am not trying to scam anybody. I want what is due me. In the meantime some of my bills came through and they paid them but hit me with fees which I feel in not right. This has not been my fault. They hit me with 4 fees of {$35.00}. I called them to remind them that there is a claim against them and they should not be charging me fees. I wanted all of them reversed. They said they could only do 2 and not 4. I was very upset over this. So then I receive a letter from the claims resolution department regarding the claim. They denied it but on the other hand the letter states they found the transaction that I referenced but unable to locate any record of cash or additional cash being deposited. What the ATM made it up. If that was true the ATM should have been short. They don't mention that. I called them and told them how the letter makes no sense. The gentlemen agreed with me so he opened the claim back up for further investigation. Since then I have not heard anything from Bank of America. I requested all documentation they used to deny me at first. I have not received anything. In their letter they offer but I guess not. It has been difficult. In the meantime I am out that money and I had to put of paying some bills. I am really concerned about all of this. They should have not charged me those fees until the case was resolved. It is only fair. So it continues without a word or letter from Bank of America. They made me feel like I was a criminal or something. I believe there are videos at the ATM. They are going to have to check them to see that I am not lying. Why would I? Something happened at the ATM and I don't know what but it did not credit my account. I am sure that this not the first time something like this has happened. 
I did receive a letter from a different gov. office that I sent my complaint to and it was not the right office. They referred me to your office. I have sent a copy of the letter that Bank of America sent to me to you so one can see. I sent it out on XXXX. This whole thing is a mess but Bank of America needs to do the right thing.

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 2017-10-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always paid my purchases in full to XXXX ; s. they messed up and did not apply my payments correctly and when i discovered the inaccuracy i called them and was suppose to be fixed. however the issue was not solved and late payment fee and finance charge was added again, ,now we are 90 days into this matter with all late payments and fees. 
the representative promised to correct their error and remove finance charges. i closed the account the next day but received another statement showing late fees and finance charges again. now we are 4 months the mess and finally the account was closed and promised was made to me that all has been taking of and no further action is required. 
despite my repeated efforts this matter is still on my report and hurting my credit and i have been denied credit because of their errors in reporting.

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 2017-06-29
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: Reporting company used your report improperly

Complaint:
I have sent numerous disputes but the company never replies to me nor remove these itsms

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: 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: Information belongs to someone else

Complaint:
MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.

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