BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. <P/>I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. <P/>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 explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. XXXX XXXX Account # XXXX Bal : {$0.00}

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 2018-04-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
CALLED AND DEMNDED PAYMENTS BEFORE THEY WERE DUE BY 15 DAYS. FALSE CREDIT LIMITS AND INCREASES PROMISED FROM BEGINING TO END. HARASSING PHONE CALLS. NO HELP FROM SUPERVISORS. FALSE CHARGES ON MY ACCOUNT. HOURS WASTED ON THE PHONE. THE MOST EVIL COMPANY THAT I HAVE EVER ENCOUNTERED. THAT IS THE SUGAR COATED VERSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: GA
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:
For the past 2 years some companies and myself have been unable to access my credit report from Equifax. I have been contacting the company since then XX/XX/XXXX. I sent all requested documents that was needed by the company in order to resolve the issue. 
When I spoke to representative on XX/XX/XXXX I received confirmation that all documents were received and fulfilled what was needed of me to receive the issue. ( Report XXXX ). 

At this point the issue is causing serious harm to me and my family as I can't obtain gas and other necessary services for my primary residence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Old information reappears or never goes away

Complaint:
I received emails from Experian starting XXXX, that showed re-inserted or reappearing accounts on my credit report that were DELETED several months ago between XX/XX/2019-XX/XX/2019. Their were two accounts by XXXX XXXX XX/XX/XXXX & one account by XXXX XXXX XXXX XXXX that was Deleted. Experian has for some reason decided to re-insert these accounts onto my credit report without legal justification. Please help see to it that these accounts are removed or I will pursue a legal suit against Experian. Experian is in violation of the Fair Credit Reporting Act under Section 611. Thank you.

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 2020-08-19
Company: BARCLAYS BANK DELAWARE
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:
Purchased a few items on XXXX with Barclays credit card, returned said items within a span of a week to the local XXXX XXXX location, and handed off the returns. 

2 months and numerous phone calls later, XXXX XXXX customer service team tells me they can't find the order numbers and refused to give a refund without " proper documentation '' which I already gave them. 

Called Barclays to resolve this issue within my own bank. Submitted three separate claims for the said items from XXXX. 

A few weeks later Barclays resolved the issue as my fault and adjusted the balance. Now I have a balance of {$1300.00} and no product.

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 2019-12-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this for the past 8 months. Not one time has this company provided me with any type of information to verify this debt as belonging to me. They have stated in the disputes that they will provide the information. However they still have not. I filed a complaint most recently with the CFPB on XX/XX/XXXX complaint ID XXXX and the company responded again saying they will provide me with information. Again they have not. This is far past the time frame by law that this company has to respond and Im not sure why they are continued to behave this way and not remove this from my credit report. It is clear they can not provide this any type of information. Im hoping this will be the last dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a settlement offer dated XX/XX/2022 which has two options. The first option was to " Settle your account for a one-time payment of {$370.00} ; this option saves you {$150.00}. You can take advantage of this option if we receive your payment within 30 calendar days from the date of this offer. If paying at XXXX, use promo code XXXX to unlock your settlement while making your one-time payment. Please note that we are not obligated to renew this offer. '' Option # XXXX is to log into their secure mobile site to design a customized resolution for the account. 

When I tried to use the mobile site to make the one-time payment of {$370.00}, on XX/XX/XXXX and XXXX, it would not let me apply the promo code - error message of " Promo Code Not Valid. '' I called on XX/XX/2022 @ XXXX XXXX, and the credit specialists said he could take my payment for a higher amount than {$370.00} because additional interest had accrued. However, the offer clearly states the offer is a " one-time payment of {$370.00} '' if executed within thirty calendar days from XX/XX/2022, with no mention that there is additional interest or that it is a discounted percent from the total.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: American Student Assistance
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 information incorrect

Complaint:
American Student Assistance purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... American Student Assistance provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day American Student Assistance is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. American Student Assistance should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir or Madam, While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed on  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 explanation
Consumer complaint received 2022-09-06
Company: Minto Financial dba Minto Money
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 516.09 % Minto Money File : XXXX Finance Charge {$12000.00} Amount Financed {$2500.00} Total of Payments {$14000.00} Loan # : XXXX Loan Type : Installment Loan Agreement Date : XX/XX/XXXX Effective Date : XX/XX/XXXX Due Date : XX/XX/XXXX every two weeks Minto Financial d/b/a Minto Money XXXX XXXX XXXX XXXX, AK XXXX Phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: OK
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, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I contacted XXXX to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX Bank of America claims XXXX or XXXX XX/XX/XXXX started claim pending status on the reconsideration For {$1900.00} XX/XX/XXXX my card declined and I called BOA, they said to call XXXX XX/XX/XXXX XXXX says they have no idea why BOA would close my card XX/XX/XXXX XXXX said check back XX/XX/XXXX XX/XX/XXXX spoke with multiple people at XXXX and multiple people at Boa was told that I was put on a list and that they would have it resolved in 2-3 days XX/XX/XXXX supervisor XXXX said call back everyday till they resolve it but he doesnt know how to resolve it XX/XX/XXXX XXXX BOA said that he would be frustrated too, but BOA doesnt give them any information he filled out a form and waited for a supervisor to respond to his form. 
They dont understand why my account has been closed to begin with, XXXX said that he sees no problem with my account and he also sees Ive been calling for over a week to resolve this issue. The supervisor says they apologize but it takes 1-2 business days for them to clear the account and they are awaiting a response from XXXX. I offered to call on 3 way multiple times to connect BOA and XXXX yet no one will allow me to. No one can give me any information on how XXXX corresponds with BOA or vice versa. Im being told that theres no problem on either end and both entities are blaming the other one! 

XXXX then transfers me to the supervisor who is XXXX claims department edd part of prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX stopped payment and told me she would call me Monday however she didnt. She was supposed to be sending out my check. 

XX/XX/XXXX NO NOTES ON MY file!!! Says XXXX unemployment this system is so incredibly broken! I asked for the elevated response unit but wasnt able to get help or be transferred XXXX my card was finally restored after 7 full days of calls from XXXX to XXXX Calling the assembly man XXXXXXXX XXXX  office XX/XX/XXXX all my money was transferred out!!! 

With no explanation!! No information about where the money went to! 

I called again XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX Sent in additional fax information about my claim yet still no one has explained where this {$1900.00} has gone and its now almost 2 YEARS! 
This is insane

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 2020-10-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian routinely emails me with what appear to be " bait & switch '' alerts saying that something in my credit file has been compromised. However, when I contact the company, the company changes their message and sends me to a dead end XXXX call center who will not share information about them or the company so I can seek resolution of my issue. For example, they recently told me that my drivers license was compromised on the dark web. The details they provided are : " We found your driver 's license number on the Dark Web. '' Potential site : Unavailable*, most of a driver 's license number and the state in which it was found or issued, I assume. I contacted them and asked, if you are sending me an alert then you must know where you found the information on the dark web and they responded by saying, it is impossible to trace. This is false and misleading advertising meant only to trigger me into buying additional protection services. If you found it  then by logical extension you know or knew exactly where you found it and as such should be able to chase, prosecute and resolve.

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 2017-06-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy is being reported in my name from  XXXX   XXXX     2010  and this information is not correct.   I have confirmed that the court system does not report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received a text from what I believed to be bank of america asking if I attempted to pay a friend {$3500.00}. I responded No, within a minute a phone number called me XXXX same number on the back of my debit card XXXX ) and said they were with Bank of America Fraud Protection department and to verify that the number they are calling me from matches the number on the back of the card. Which it did. They told me the only way to get my money back was to add myself to XXXX to make a transfer from another account I have in order to file a claim on the account they " took '' money from. I was paranoid, so I followed what they said. After transferring the money we got disconnected. I called the number back and someone from Bank Of America told me i was spoofed. I was so angry. I filed a dispute with the bank but they told me that It was a scam and not fraud so therefore I would not be able to have my {$3500.00} refunded. I am completely saddened by this. I filed a report with the FTC and my local Police department as well. 
I have no information on the recipient of my money except the fact that I received an email saying that I transferred myself money through XXXX quick pay. I do not have any affiliation with XXXX XXXX at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX added to account were incorrect 5. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. XXXX - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX inaccurate pay status and payment history XXXX. XXXX XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX inaccurate remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history 20. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX inaccurate remarks and payment history 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 2020-10-07
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX an annual escrow analysis was completed on our mortgage loan effective for XX/XX/XXXX payment. We noticed on this analysis that the insurance amount that was being collected/projected on this analysis was for the incorrect amount of {$2600.00} for lender placed insurance. We then reached out to our servicer and notified them that we have homeowners insurance and that our premium should be much lower. Once the servicer noticed this error we sent over the Declaration page to have the insurance updated and corrected with the lower premium amount of {$1000.00}. We were informed that the loan would then be re-analyzed ( this replaces the analysis with a corrected analysis ). The loan was analyzed on XX/XX/XXXX for the effective date of XX/XX/XXXX. The servicer stated that the reason this was done was because the payment due ( XX/XX/XXXX ) was coming up in a few days. We were then told that we have to pay the higher mortgage payment ( which is {$500.00} higher ) for XXXX and that our payment would just decrease for our effective payment of XX/XX/XXXX. That does not make sense considering that our payment is going down and we are due for XX/XX/XXXX and the incorrect analysis that was completed was effective XX/XX/XXXX. We have called several times and no one is willing to help or acknowledge that the loan needs to be analyzed again.

Company response to consumer: Closed with explanation