BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: Southwest Credit Systems, L.P.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a very old account that is way more than what I think is owed. My estimation is that this particular agency has charged me in excess of {$900.00} in late fees/surcharges that they agreed to be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Both XXXX and XXXX have several inaccuracies in their reports -- they are either still showing accounts that have been fully paid off or accounts that have considerably lower balances that what is reflected in their reports. The accounts that I am disputing are : Bank of America 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 explanation
Consumer complaint received 2023-01-06
Company: Incomm Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was gifted a XXXX XXXX XXXX XXXX with a value of {$250.00}. The card has never been opened or used. The card can not be used and Im being told the money is not on said card. 
Ive contacted the company twice now & after HOURS of holding, run around & having to send in ridiculous information, a case has been opened. 
I was originally told up to 21 days and now being told XXXX. They admitted they could see the card had not been used and there were no transactions made yet. 
After a quick XXXX XXXX XXXX XXXX post regarding the situation, its obvious this company makes a continuous habit of whatever scam they are pulling. They need to be throughly investigated and shouldnt be able to keep doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Each time my account dips low in balance the bank keeps my recent transactions as pending for days even though they were debit card purchases.then if write a check to purchase an item they pay the check and mark several items as insufficient funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Credit Karma, LLC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX  transferred funds from my debit card without my consent. I contacted the merchant and they refused to refund me anything. I filed a dispute with my bank and they also denied it without giving me a reason to why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a letter to transunion via certified mail on XX/XX/2022 stating all of the fraud and incorrect entries they have reported on my credit report. I also attached an invoice for remedy of those violations as well. According to the FCRA the violations call for {$1000.00} fine PER occurrence. I sent the letter in XXXX and have called as well. It has been over 30 days and there has not been a resolution made. My invoice has not been fulfilled from the violations made nor has the investigation been closed and fixed on all of the wrong doings. Transunion keeps sending me multiple letters saying they are still looking into it even though it should have been resolved in 30 days

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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I opened B of A credit card and within a month I got unauthorized charges. My replacement card that was overnighted to me on XXXX was showing as received at my XXXX XXXX address. However, was never received by me at my address. Apparently it was activated from a phone other than mine using my security questions. Which means it had to be activated by a B of A employee. Within a day there 's been almost a thousand dollars of unauthorized charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: RI
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 and XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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 explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1. Validate Account XXXX XXXX  Account Number : XXXX 2. Validate Account XXXX XXXX  XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX  XXXX  Account Number : XXXX 4. Validate Account XXXX XXXX  Account Number : XXXX 5. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX 6. Validate Account XXXX, XXXX Account Number : XXXX XXXX. Validate Account Account Number : XXXX 8. Validate Account XXXX XXXX Account Number : XXXX 9. Validate Account XXXX XXXX  Account Number : XXXX 10. Validate Account Account Number : XXXX 11. Validate Account XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 12. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 14. Validate Account Account Number : XXXX 15. Validate Account XXXX XXXX  Account Number : XXXX 16. Validate Account XXXX XXXXT Account Number : XXXX 17. Validate Account Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 19. Validate Account XXXX XXXX  XXXX Account Number : XXXX 20. Validate Account XXXX XXXX Account Number : XXXX 21. Validate Account XXXX  XXXX XXXX  XXXX Account Number : XXXX 22. Validate Account XXXX XXXX Account Number : XXXX 23. Validate Account XXXX XXXX  Account Number : XXXX 24. Validate Account XXXX, XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In reviewing my loans with Navient it came to my attention that they had incorrectly applied my payments for 2015. When I made extra payments to XXXX of my loans, their automatic system reset the " due '' date on that loan. I noticed the change in date immediately, and called to have them continue applying payments to that loan. Despite my instructions, their system continued to misapply my payments, allowing interest to grow on that XXXX loan ( considerably ) so that every addition advance payment I made, was absorbed almost entirely by the interest. I trusted them to apply the payments as I had directed, and when I continued to see the same amount taken out of my bank account for payment, it appeared to me that they were doing what I instructed. I only recently discovered they were simply applying the extra payments to other loans, and skipping the loan I had asked them not to.I did speak with a representative who acknowledged the issue with my account and is working to fix it. My concern, is that I no longer have faith in this company to accurately apply my payments and manage my loans. I want additional investigations into this matter to ensure they adjust my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On Monday XX/XX/XXXX I noticed a charge when viewing my checking account online that I did not make it was for XXXX in the amount of {$96.00} and it was showing as processing. I called bank of america immediately to report it as a fraudulant charge. I spoke with a gentleman who stated the charge would no longer be on my account in 48-72 hours and he issued me a new debit card which he said I would receive in 5-7 business days. I checked my bank today XX/XX/XXXX and the charge had processed, I called bank of america again to report this issue and the first woman I spoke with had me on hold approximately 15 minutes while she looked into this and then told me she would need to transfer me to a different department. She transferred my call and I was then speaking with a woman named XXXX I gave all of my information to her all over again and she said it appeared that my claim had not been processed, and she needed to put me on hold to check if she could find the existing claim or needed to submit a new one, but instead my call was somehow transferred so I once again gave all of my information and explained the situation and explained that XXXX believed my claim had not been submitted as it should have, this woman stated that I just needed to wait to hear back from their fraud department, even though multiple times I tried to explain what XXXX had said about my claim not possibly being submitted. I asked to speak to a supervisor she told me that no one was available and that she could take my number and have someone call me back in 30-40 minutes it has been an hour and 20 minutes and I still have not received a call back from bank of america or a call from their fraud department. I ended up calling XXXX myself and explained the situation. They confirmed it was indeed a fraudulant charge and the item purchased for {$96.00} had been mailed to a Florida address, and I do not live in Florida or even know anyone there. She said she would be submitting the information to her fraud department and forwarding me the information I would need to file a police report. I want bank of america to refund the {$96.00} to my account as they initially stated they would.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: NY
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:
CFPB Write up n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX Account # Experian XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602A. State 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
CFPB Write up n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX account # XXXXXXXX XXXX  XXXX  account # XXXX 15 U.S.C 1681 section 602A. State 602 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
I have an account that is reporting wrong and incorrect information. Unfortunately, and too much dismay, I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account is from XXXX XXXX with the account number XXXX is reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX is BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account immediately. 1. XXXX XXXX with the account number 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 2022-03-18
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXX. Also its preventing me from buying my home. The accounts XXXX XXXX, XXXX and dept of education is fraudulent including the address are incorrect

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 2020-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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 ordered a round of drinks and started a tab with XXXX, XXXX and was charged a {$300.00} tip on a tab of {$190.00}, I never authorized this tip nor was I aware until it showed on my card statement. I have attempted to resolve with USAA and the merchant to no success. the credit card receipt shown to me in the dispute has a forged signature and is not mine. I stated this to USAA 's fraud department and they said they're not handwriting experts and the charge is valid. THIS WAS NEVER AUTHORIZED TO BE CHARGED AND WAS FORGED ONTO A RECEIPT! I have even pointed out that the receipts are forged and I was not given any copy. The merchant recognized verbally that the waitress had been fired and offered to give me a free bottle of alcohol. I stated I wanted my money back and this was not acceptable. I updated USAA on this and they didn't seem to care or want to do anything! They continue to say the charge is valid and made me pay it. THIS IS ILEGAL AND UNACCEPTABLE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: Byrider Franchising, LLC
State: MI
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:
In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on XXXX XXXX. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored. 

Once I confirmed even after a year later there was no follow through by JD Byrider/ CNAC 's, a complaint was made to Attorney General 's office. Again, JD Byrider requested pictures with no action on the initial promise. 

Additionally, a request for an update to XXXX, XXXX, and XXXX  with no resolution on XX/XX/XXXX. On XX/XX/XXXX, XXXX  replied with a status of " Unknown, '' which is not an answer at all. 

Now that it was not handled after two years, I am requesting finalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a bankruptcy on my credit file. I wrote  the BK  court to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,    XXXX   XXXX    & Experian they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information f rom a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false inform ation on 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 non-monetary relief
Consumer complaint received 2021-08-27
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: Account status incorrect

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 Equifax was XX/XX/2021, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX $ on XXXXXXXX XXXX XXXX by money Gram XXXX XXXX XXXX XXXX Iowa , but after 3days they did not delyvery to my family,,, in XXXX XXXX

Company response to consumer: Closed with explanation