BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-29
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a credit card with Discover and I lost my job shortly after. I tried contacting discover to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form   XXXX   and  XXXX   XXXX  in  XXXX   notifiying me that Discover had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a discover.  I received a statement of claim from magistrate court of  XXXX   XXXX  Georgia on  XXXX   XXXX    XXXX  . I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday  XXXX   XXXX    XXXX   at  XXXX   XXXX  Friday  XXXX   XXXX    XXXX   at  XXXX ,  XXXX ,  XXXX ,  XXXX    XXXX   All of these times i have left voicemails. I have also emailed them multiple times and the attorney  XXXX   XXXX   XXXX  said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday  XXXX   XXXX  at  XXXX  ;  XXXX   XXXX  his name is  XXXX   XXXX  with  XXXX  and  XXXX   XXXX . I was told I had to give them an answer by Tuesday  XXXX   XXXX    XXXX   whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by  XXXX   XXXX  that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by  XXXX   XXXX  which is not 30 days after I was served

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. They said that they would delete them all but only some were deleted. And I never received an updated 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 2019-05-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Repeated phone calls roughly every two hours from various numbers.

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 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.

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 2022-03-16
Company: Zillow Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I signed closing disclosures stating my monthly payment was {$1400.00}. My mortgage was sold and now my payment is almost {$100.00} more per month because my closing disclosures were wrong. No attempt was made to notify me that they were wrong and the amount was more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-29
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apparently for some reason, RentDebt Automated Collection. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the   XXXX   major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed.
I disputed this account back on  XX/XX/XXXX on my  XXXX ,  XXXX  and  XXXX  credit reports to no avail.   XXXX   XXXX   XXXX  . continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify? I have yet to receive anything within the allotted timeframe which is a violation of the FCRA..
In the US Law Encyclopedia, A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that RentDebt Automated Collections. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request.   XXXX   XXXX   XXXX   is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX between the hours of XXXX. I contacted credit bureaus and creditors that my personal information was compromised. Credit was applied foe without my consent.

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 2020-03-10
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On my Lowes credit card, I was inaccurately charged {$140.00} interest for XX/XX/2019 ( {$1200.00} ) and XX/XX/2019 ( {$520.00} ) purchases that was returned and/or adjusted. The XXXX purchase was returned and XXXX purchase was adjusted to {$330.00}. Also, the XXXX purchase balance after the return was {$160.00}. This is the second time that I was inaccurately charged interest on returned items/purchases. Also, I paid {$160.00} on XX/XX/XXXX to ensure that I wouldn't be charged any interest, and the auto payment should've also posted to my account. It appears that my payment canceled the auto payment, which should've also prevent no interest charges..

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 2022-07-12
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to
paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20
Company: CITIBANK, N.A.
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 made a reservation for a stay at XXXX XXXXXXXX for XX/XX/2019. 
On XX/XX/XXXX i utilized the link in the XXXX confirmation email ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.in English now you can cancel until the moment of checkin ) .. i received a screen displayed message stating that the reservation had been cancelled. The reservation was removed from my list of active reservations and when i entered my confirmation number into the system i again viewed the message that the reservation no longer existed. 
The XXXX, citibank, and XXXX are indifferent to my appeal and have charged me {$310.00}. A simple XXXX search reveals that others have met the same injustice.

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 2015-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Since XXXX XXXX, 2015 I have been a victim of identity theft. I have subsequently over XXXX fraudulent disputed just this year alone. I also have approximately ( XXXX ) disputed still outstanding and awaiting for the response. through out this process, I have had a very difficult time with regards to conflicting information from both the Equifax Fraud department as well as their Office of Consumer Affairs. As of Wednesday, XXXX XXXX, I reached out to the Equifax Executive office to ask for help with all of the inaccurate information, due to Equifax 's ' own negligence particularly with the Office of Consumer Affairs, ( contact dealing with my case XXXX ), that I felt I needed help from someone with the autonomy that could actually right the blatant disregard exhibited by Equifax to date regarding my credit file. As of today, I have been dealing with XXXX XXXX XXXX ( Office of Executive Consumer Affairs ) to whom has now reinserted an account that was previously disputed as fraud in XXXX 2015 and subsequently deleted permanently from my file on XXXX XXXX, 2015. Since XXXX XXXX has taken over my investigation, she has made numerous acts that clearly violate the FCRA. The most recent of which has now reported on my credit file as of today, XXXX account XXXX XXXX XXXX XXXX. This is just XXXX example of her negligence. This is a violation that needs to be addressed immediately. I have attached a copy of the credit report that shows the deletion of this account ( Confirmation # : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent several letters to Experian to dispute inaccurate personal information being reported on my report. I followed their instructions and after receiving the results back. There is still inaccurate information on my 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 2022-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX and XXXX failure to respond and are not complyinh with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Customer support Ticket ID # XXXX TD Bank is refusing to close an account with {$0.00} in it. 

I have asked customer support to do this multiple times and they will not, despite it being marked clearly on their website that you can close a {$0.00} account : https : //tdbank.intelliresponse.com/? & requestType=NormalRequest & source=4 & id=1413 & question=How % 20do % 20I % 20close % 20my % 20account ( s )? 

Not closing the account will result in fees assessed by the bank, so closing it immediately is important.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hello, I applied for a loan to purchase a new dump trailer. I was told that because I have a work authorization permit that can not lend to me. I have great credit and have not been denied for loans by other financial institutions for having a work authorization.

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 2022-07-12
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Hello I got this card with the promise that they will give me XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX they never gave me the XXXX and keep throwing me back and fourth finaly they said it's on XXXX XXXX but it's not i tried very hard to get them to honor their promise XXXX tells me to call American Express and American express tells me to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In   XXXX   XXXX  ,  I was purposely provided with misinformation when opening a checking account with Bank of America using a  XXXX    XXXX   XXXX   issued check.  When the Bank's employee responsible for opening the account asked what brought me into the branch that day, I said my desire was to deposit a check to purchase a vehicle using an earnest cash deposit in a timed sensitive  XXXX  owner vehicle auction (paying the remainder when the entire check clears & pay a credit card bill.   from   XXXX   XXXX   in order to open a new account. Bank of America.  I reported a loss of a steal of a deal (practically) give away vehicle.  I requested Bank of America's Insurance provider with a claim number for the reported loss.    XXXX   XXXX   has not been cooperative.  I request expediting of the matter being that I'm a Veteran   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . Happy Memorial Day weekend!

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 2016-01-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted several request to Equifax about XXXX account that was paid in full. They claim they researched it but I do not believe them. I have a letter from company saying its paid, however, Equifax says they spoke to creditor and it 's not. I think they are not looking up information. The company wrote me a letter because of this issue. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone obtained my social security number and was able to open an online checking account at Bank of America, I have a credit freeze on my accounts. This person did not have my current address or phone, but BoA opened an account without this verification. If they had checked for any information, they would have seen that the person didn't have correct info and I had the credit freeze. 

BOA has caused me great harm by not doing any checking and opening the account without doing any research or verification. 

I was able to close the account and have the information to file a police report with my local police. 
I have filed a fraud alert with the 3 credit agencies.

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 2022-07-12
Company: DISCOVER BANK
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: Report provided to employer without your written authorization

Complaint:
Identity theft 15 USC1681b- Conditions for furnishing and using consumer reports for employment purposes With no permissible purpose. Meaning they didnt get my written consent to furnish anything on my account. I didnt give written instruction. 

Without permissible purpose = identity theft

Company response to consumer: Closed with explanation