BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My XXXX previous disputes as TransUnion has considered All of them as frivolous, even with documented proof of Idenity and noterized documents with certified Letters. To this date TransUnion have not provided me with a written Letter of proof that All reported information is actually mine, instead TransUnion is relying on a third party for second hand information, never producing written proof of any signed documents with my signature on it with in a 30 day period as stated by Law ( The Fair Credit Reporting Act, ) but refuses to Totally Delete All Unverified Credit information that is not mine. TransUnion isi llegal and fraudulant reporting practices is severly crippling and hurting my ability to obtain credit with potential creditors to purchase a car or house for my family. This is disgusting and totally unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that the date updated for these accounts are all XX/XX/XXXX even thought I disputed these accounts again on XX/XX/XXXX and it was never updated. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.

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 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # 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 : 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 2016-01-21
Company: SQUARETWO FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cache, LLC filed a garnishment against me on behalf of XXXX XXXX XXXX XXXX. I do not even know who they are. They failed to send me any information regarding this supposedly {$50000.00} loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 contacted CareCredit to dispute a charge against XXXX XXXX, which made a charge on my account. The dispute was because XXXX XXXX promised me a refund of {$1600.00} after I returned their product but had not paid it. Synchrony subsequently sent me a letter ( attached ) stating that they would remove the disputed amount from my account during the dispute investigation but never asked for any further documentation to assist with their investigation. 

My complaint today is because THEY NEVER REVERSED THE FUNDS FROM MY ACCOUNT AS PROMISED. There should be no question that I deserve to have the {$1600.00} refunded from my account because you can see I have in writing from XXXX XXXX that they supposedly already submitted this refund already and Synchrony should have credited it ( see attached ). Yet, CareCredit has continued to keep this amount on my account. They must remove this amount from my account immediately. This problem has been compounded because the customer service agents do not speak English with enough proficiency to actually assist 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 monetary relief
Consumer complaint received 2016-09-06
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
2010 Ford Focus I purchased my vehicle XX/XX/XXXX from a used car lot XXXX in XXXX XXXX California. While getting a quote for auto insurance I was informed of an XXXX dollar accident my car had been in. That day I reached out to my Finance Company I had received my car loan from and they told me my car had a Salvaged Title. After some research in to California auto sales laws and a laundry list my car was of issues from a third party mechanic inspection, I called my financing company and told them that I was never informed of a Salvage Title or received any kind of car facts before signing my contract they promised they would get back to me saying that they would do everything they could to help. I called and called trying to follow finally getting to speak to a supervisor who promised she would work on my case and never heard from her again. 

In XXXX XXXX I took my vehicle in to XXXX XXXX car lot in XXXX California in attempt to trade in my vehicle for something a little more dependable. XXXX XXXX then denied my request as he told me my car was only worth {$2500.00} dollars which Im sure was a rough estimate, mind you Im paying {$15000.00} to fulfill my contract. He then asked if I had the paper work for my car with me which thankfully I did. He took a look and within seconds told me my contract should have had " SALVAGE TITLE '' printed all over the background, that my gap waiver had issues and that I had total recourse. 

I have reached out to the DMV Department of Investigations with no response. 
I have taken my vehicle back to the seller many times only to receive it with the same exact issues waiting more than a week each time. 
i 've informed both the seller and Financing company of my griefs with absolutely no resolution. 
I 've never been late on a payment, I would just like the chance to work with an honest Financing company and drive a car that does n't need constant repairs or shut off at every red light. 

I a XXXX year old buying his first vehicle with his own name and money being taken advantage of and lied to. 

I pay {$280.00} a month have had to be credited money for being charged extra interest by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Around XX/XX/2020 I applied for XXXX, received my card along with my XXXX  payment of {$200.00}. Spent it on bills and certified for my weeks available. My weeks that I certified ending up being stuck on pending for some months ( which I didnt find out until recent ) I ended up loosing my entire wallet around that time and having to cancel all my credit cards. Never thought to call about the prepaid XXXX card because I assumed it was empty. 
I ended up surviving on XXXX off jobs throughout the entire pandemic. 

Fast forward to recently I lose my job again due to our companys relocation, I Re Apply for XXXX. When I log in to re apply I noticed that my pending weeks had paid out, called XXXX about and they told me to call Bank Of America Prepaid Services Because my funds should still be in the account I reached out to Bank Of America Regarding My Account and they let me know that someone had fraudulently drained my entire card, they informed me of their claim process and how Regulation XXXX Requires them to provide me a temporary credit after XXXX business days. The claim came out to just under XXXX dollars ( mind blowing ) They mailed me a new card and told me check my balance everyday to make sure I receive my credit. 

When I activated the new card I checked all the previous transactions on the account and sure enough it was drained down to XXXX cents, but I also noticed that alot of the transactions were ATM Transactions, a lot of them being Bank Of America ATMs at that. 

Why hasnt Bank of America accessed the ATM Footage? Because they know it will prove that I was robbed. 

I filed my claim with Bank of America on XX/XX/XXXX. Today is XX/XX/XXXX and Bank of America employees are telling me that they dont understand why I havent been provisionally credited and that on their computer my claim status has been pending provisional credit since the XXXX. 

They claim that their Back Office handles the credits and that they have sent numerous letters to them requesting that I be credited. 

When I called this morning I was told since the back office is overflowed with papers I wouldnt expect to see a credit for at least another XXXX  days. 

This a clear violation of Regulation XXXX and XXXX  XXXX XXXX employees have admitted that on multiple occasions. They are attempting to use the entire XXXX  days allowed for their investigation without providing the temporary credit. 

I am currently being evicted, I also have nothing to eat. 

Please reach out to Bank of America and rectify this situation immediately. 

ATTN : Bank Of America Prepaid Claims Claim 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 explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2020, I submitted disputes about several errors on my Experian report. All the errors are ONLY on Experian, not on the other bureaus. 

Instead of investigating the problems and fixing them, they sent me a letter stating " we were unable to honor your request ... based on the limited amount of information regarding your dispute ''. The letter I sent them contained a detailed description of each error with cross reference to their credit report, a copy of their credit report with each issue highlighted and cross-referenced back to the letter, and full identifying information including SSN and birthdate. 

I know that Experian likes to send out form letters rather than actually doing anything, I guess they hope they'll just wear out the individual rather than Experian itself actually doing any work. Experian overall seems to prefer making it as difficult as possible for consumers to actually get them to report correct information. But this is ridiculous, they have more than enough information without stalling and deferring.

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 2020-06-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
XX/XX/2020 - Infiniti insisted that they HAD to run my credit for a loan through them even though I told them I had a loan from my credit union which resulted in many hard inquiries hitting my credit report. 
My son bought a car and so did I from XXXX XXXX, and for EACH purchase we already had a loan from our credit union and we both told them we DID NOT want or need financing. They insisted that they run our credit because they had to because its a law or a rule with their company. My loan was three years ago, and I was not happy but I let it go. My son who is only XXXX just received seven loan denial letters from various loan companies which were hard inquiries that hit his credit. We knew he would not receive credit because hes not been at his job long enough nor does he have any credit history. They ran his credit against his wishes and now his credit is worse because of this deceitful practice. While I love Infiniti, I am not happy at all with this credit game they play by insisting that that they have to run your credit. Its almost like a punishment for you getting your own loan and not using them. Very deceitful!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Diversified Consultants, Inc.
State: NC
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 communicated with Diversified Consultants several times regarding a bill I may owe to XXXX from several years ago. I have asked them numerous times to send me documentation about this bill and all they keep telling me is it was already sent out. I need to see this bill. I did have XXXX years ago, and thought there wasn't anything owed. After initially speaking with them thought about it I wanted docs showing where I owe it. All I would like is Documentation on this bill and for some reason can not get it. 
And on top of that, they listed my open date as XX/XX/2018 which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: Transaction issue

Complaint:
Payed for the same XXXX visa gift cards at XXXX XXXX on XXXX different credit cards. The visa gift cards were accepted twice by the scanner. Manager of store said he tried but could not contact anybody to help with situation. Chase credit card did not back me on the dispute after sending pictures of receipts to them been trying to get resolve. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, from U.S.Bank Consumer Banking Default Management did n't t fully resolve my issue in reference to someone using my personal information to open up XXXX checking accounts with U.S. Bank. Review Consumer Financial Protection Bureau Case # XXXX. I want to know is my name, date of birth and social security number clear for me to open a savings and checking account with U.S. Bank. I want to open an account with U.S. Bank, but I need to know has the XXXX fraudulent checking accounts been deleted from under my name, so I can open up a checking account with U.S. Bank.

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 2020-06-09
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland credit was/is calling my family Memebers, my job, and my cell phone all hours of the day up to 15 times a day Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or Midland credit XXXX   Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or Midland credit XXXX. I repeat these are only missed calls and they are all from Midland credit in the last few days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and found this credit account that I have no knowledge of.

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 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America erroneously and feloniously stole U.S. Currency from me in the amounts of XXXX XXXX XXXX-XXXX  Dollars and XXXX Cents ( {$30.00} + {$330.00} ) and subsequently closed my managed, checking account. I ask that you intervene and assist in resolving. 
On XX/XX/XXXX, my now closed, Bank of America had a checking account balance above {$4.00}, and not more than {$5.00} On the same date, I transferred a total of {$58.00} from my XXXX account into my Bank of America checking account. ( See the attached proof ) Subsequent to the transaction, I went to a Bank of America ATM, proceeded to withdraw the {$58.00} ; yet, the Bank of America ATM advised me that my balance was XXXX. The ATM also advised me that by withdrawing I could overdraw, which was not accurate because the {$58.00} was transferred into an existing balance of {$4.00}, which would bring the balance to $ XXXXso, by my withdrawing {$60.00}, the balance would have been $ XXXXthis equates to no overdraft and the {$30.00} overdraft fee that Bank of America has charged becomes erroneous and an act of theft. Bank of America must reverse the fee. 

Moving the saga on, prior to all of this I had an ongoing dispute in the amount of {$330.00} against a merchant named XXXXBank of America has been informed of the merchants acknowledgement of my cancellation of the order ; yet, Bank of America has closed my account and has not informed me why my funds have not been returned. ( See attached proof )

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 2020-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from an office for collection addressed as XXXX XXXX XXXX XXXX. The letter was dated as XXXX XX/XX/2020. I sent a letter to the office of collection disputing the validity of the debt on or about XXXX XX/XX/2020. On or about XXXX XX/XX/2020, I received another letter from a different office for collection addressed as XXXX for the same debt that was addressed in the collection letter from XXXX XXXX. The second letter was dated as XXXX XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in First Bank Institution in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with First Bank did not. For this reason, the property began a Foreclosure Deed in Lieu procedure. The Second Mortgage Bank was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including First Bank. I called them several times and they continued to send monthly Invoices regarding the Second Mortgage Loan and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after Hurricane Maria situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called First Bank and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on XXXX, XXXX  and XXXX XXXX and First Mortgage keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the First Mortgage should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.

Company response to consumer: Closed with explanation