BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong I was unemployed, homeless, and bank was {$0.00} balance with no automatic deposit. Now overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and XXXX for {$400.00}. I 've written letters, made calls, filed reports, disputes, I 'm going in endless directions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: VA
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:
The company is completely ignoring the fact that these accounts were the result of identity theft and according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft part ( a ) the company has failed to block these items resulting from the identity theft after notifying them of the fraud. They were provided with police reports and FTC reports, as well as a notarized identity theft affidavit. I have uploaded proof and documents of every document for the CFPB and Equifax. 

The fraudulent accounts are : XXXX Bank XXXX and XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BB & T has built a history of questionable and in my opinion, illegal activity. My house burnt to the ground, Myself and my family lost every single piece of anything that was n't attached to our skin. My insurance company was trying to give us money so we would n't be homeless, after hours of XXXX XXXX and myself trying to get the bank to allow us access to the check they finally allowed it. We went to purchase basic goods with this money and our card was declined. We called the bank and were told that we were only allowed to spend a certain amount. This was our money that the bank spent all that time to approve us to have, they approved it to be our funds and then did not allow us to purchase what we needed to. This money was ours and the bank said they do n't allow us to spend more than a certain amount of our own money. We called all the way to the executive offices for BB & T and were told the same thing, the bank was holding our money without our consent. Previously the bank has taken our XXXX funds, when we called we had to go to XXXX different departments because everyone said they had no idea where my money went, finally when I got to the " right '' department they said they took my {$2500.00} and were holding it because they said I deposited too much into the account, they did n't give MY MONEY back for XXXX more days. Recently they closed my account without notifying me in any way. When I called they said it was because I used the account too much, again MY MONEY that they keep feeling like they can take, hold and make disappear whenever they want. Even when they knew my house burnt down and I had nothing they still did not even think about allowing me access to MY MONEY so I could purchase things for my family. This bank charged an " OLB banking '' fee for a year after I cancelled a connected account but only credited the month that I called to complain about it, they have duplicated transactions and put us into overdraft and said they only would " forgive '' XXXX overdraft exception per year. The XXXX, NC Branch needs to be investigated but their entire executive team down to their branch has shown issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, A XXXX XXXX  located in XXXX, Texas collected my personal information under false pretenses ( claiming a cash prize I had won ) and submitted it to the credit bureaus in an unauthorized attempt to offer me financing for a vehicle purchase that I did not want nor request. Unfortunately, this resulted in a XXXX  of new hard credit inquiries on my credit reports that I did not want nor authorize. I was advised to contact each of the individual financing companies that initiated hard inquiries on my report, as to request the removal of each fraudulent inquiry individually. 

On XX/XX/2022, I mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX to inform them about the issue and to request the retraction of the unauthorized credit inquiry. Unfortunately, said letter was returned to me on XX/XX/2022, as 'Undeliverable ' due to the fact that they are reporting an incorrect address to the credit bureaus. Therefore, my inquiry still needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act and the united States Code the following convergent accounts has violated my rights. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. BANK XXXX XXXX XXXX 5. XXXX  XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 15 U.S. Code 1681a ( 4 ). States I have the right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXXXXXX XXXX  DATE OPENED XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX collection amount XXXX ADRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT {$640.00} ADRESS XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX OF XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ANOUNT {$270.00} Date ASSIGNED XX/XX/XXXX XXXX submit last updated XX/XX/XXXX CHARGE OFF BALANCE {$180.00} XXXX XXXX XXXX ACCOUNT BALANCE {$910.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years 15 USC 1681s-2 ( A ) ( XXXX ) a person shall not furnish any information relating to a consumer to any CONSUMER REPORTING AGENCY if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card
Issue: Late fee

Complaint:
I called two months ago and requested that my due payment day will be the same day as another barclay card which is on XX/XX/XXXX. Barclay failed change the day and as a result I have two late payment fees. XXXX in customer service told me that I am lying and that I never called.

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 2016-07-30
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I reached out to several secure credit card companies to build my credit in XXXX 2016. I made clear that the reason is to build my credit prior to filing bankruptcy in XXXX. All XXXX companies took my deposit and allowed me to make payments and began to build my credit but closed my accounts once I filed. They did not inform me prior to accepting my deposit of this practice of closing my accounts if I file for bankruptcy. I feel scammed because the purpose of starting the cards prior to filing is to be able to show positive credit history prior to filing bankruptcy. My hard earned money used for my deposit and all my on time payment history is gone with even informing me that the accounts were close. I was told when I called to make a payment or use the card. The companies are Discover IT, XXXX, XXXX XXXX. I feel they should have made me aware of this policy prior to accepting my payments and I could have used a company that would allow me to keep the accounts after filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
in late XXXX early XXXX I sent a letter certified, registered mail, return receipt requested, to Synchrony Bank regarding my XXXX card, in order to request a payoff amount on what they said that I owed on this credit card. They received the letter but I have yet to receive a payoff amount in the mail. they 've completely ignored me. I filed a complaint with you about this and they said that they sent me a mail they snswered my mail but I have not received anything from them. I 'm just trying to clear this up to pay it off and they are not, absolutely not, working with me at all. All I want is a payoff amount that they will accept to get this cleared up it 's not difficult, it 's not hard just a payoff amount.

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 2017-03-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan to value % is under 78 %. I have called my mortgage servicer several times about the automatic termination of PMI. They refuse to remove it, and only reference the 80 % threshold which is a different issue, and request for me to pay for an appraisal and use those values. After several phone calls I submitted a letter on XX/XX/2017 with us codes attached. I received an email stating they were received, and I have all that information. 
I called them again and spoke to a representative, they still would only discuss the 80 % threshold and acted as if the 78 % law did not exist. 

Homeowners Protection act states in code 4901 ( 18 ) The term " termination date '' means -- ( A ) with respect to a fixed rate mortgage, the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach 78 percent of the original value of the property securing the loan. 

So an appraisal is not needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2015-12-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
American Express has taken away our rewards points by closing our account. I have made several inquiries, all of which are ignored with no response. They closed our account one day prior to the pay by date that is only 14 days from their closing date each month and even prior to us receiving the current bill. We had a dispute over a paid unauthorized charge in this account, and we had actually arranged payment for the dispute plus all new charges the same day the account was closed by Amex. In their arrogance the state we do not make our required payments each month, and this is not true. We paid all new charges in full that we actually charged and sent them a spread sheet proving that. The only amounts left unpaid were disputed amounts. As an act of good faith we paid the disputed amount on our account of {$3400.00} that consisted of an unauthorized charge of {$2100.00} paid by American Express with our authority to pay and {$1700.00} of unexplained additions to our total charges summary that began in XXXX 2013 and grew from the original unexplained amount of {$260.00}. We will pay all incoming charges left on the account prior to the next billing cycle closing. Since the amount we will have paid by then will be over {$13000.00} we would like our rewards points at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
collection agency contacted me about a medical bill, a single bill. But when they reported it to credit agencies, they listed it as XXXX separate bills, and then lumped it all together into a XXXX bill to the credit monitoring agencies. I only have XXXX unpaid bill that the Veterans Affairs did not pay, not XXXX. If I add up the XXXX bills they broke the XXXX into, it 's more than what I owe total. I owe about {$3700.00} that the VA did n't pay, but if you look at the claims, I owe almost {$10000.00}, which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, around XXXX, it took me almost one hour to try to close a credit card that doesnt work for me. 

Its a US Bank XXXX XXXX XXXX XXXX XXXX 

I apply under a company that me and my ex husband have, after divorce, We do business under that companys name separately. I apply that business card with my own name, address and social security number. Got approved, they mailed me the card, after activated, I used it in a apple store purchase but got declined, so I decided to close that card. But the company asked all kinds of irrelevant private questions and after they have no questions to ask, they tell me, no, we can not close your account. 

What even worse is they called my ex husband in bad purposes. Even that doesnt work. 
This company is not only unprofessional, also mean and dark in the heart.

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 2016-10-18
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am unable to contact the company to pay my debt! I have tried to call, the contact home number on their letter is a XXXX recording. The phone number on their website just rings and rings and no one answers. Also, the registration code they provided to pay online does not work and I have tried on multiple devices. I just want to pay the debt but I have been unable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: VA
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 noticed on my credit report XXXX XXXX went into my credit report seeking information 24 times for what?? I am requesting XXXX XXXX to cease and deceist there activities into my credit report, What are they looking for, I believe some fraud activity has taken place. Will ask Experian to freeze my credit report. I would like them to answer the reasoning behind the 24 times in 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 2021-01-07
Company: Experian Information Solutions Inc.
State: IN
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 tried multiple to have my XXXX  auto loan show correct information on my experian report. I have made my payments on time and it doesn't show anything. My auto loan does not even show up on my credit report, so now I'm not receiving any benefits towards my credit. Please help me understand why this information is not being shown on my credit experian 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 2015-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Creditor : XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to Equifax , XXXX, and XXXX. I have disputed it and Equifax will not provide me any assistance because they say it was verified as accurate. The issue is that I had a credit card and a car loan. Georgia power is duplicating each account to be spiteful because I threatened to sue them. They are reporting the duplicates with different open dates and account numbers. I only have XXXX auto loan and XXXX credit card. In XXXX case, thy use my member # whereas in the other case they use the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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 Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX opened XX/XX/XXXX XXXX open balance XXXX XXXX XXXX XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX  reported XX/XX/XXXX XXXX reported balance XXXX XXXX reported XXXX XXXX XXXX XXXX  reported balance XXXX  reported XX/XX/XXXX XXXX XXXX  reported balance 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 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