BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I had a credit of $XXXX on my XXXX  XXXX Bank of America credit card.  This is because I apparently somehow paid this amount online on XX/XX/XXXX. when I actually had a XXXX  balance.  So now I have a credit.OnXX/XX/XXXX, I requested that the credit be reversed back to my bank account on file.  I was told that it would be done in 2-3 days.  The number I called is the one on the back of my credit card:  XXXX XXXX.  This is the XXXX  XXXX  Bank of America credit card customer service number.Since XX/XX/XXXX, I have called 11 times and talked to multiple agents who are very nice always apologize and say they will look into it and "accelerate" the issue. Every time I call, their estimate of when it will be done gets longer. It went from "2-3 days" to "5-7 days", to "7-10 days".  It has now been 13 business days.  The last agent I talked to was a top supervisor at the XXXX  XXXX  Bank of America customer service number . She apologized for the problem and said it would be resolved by the next day.  That was 4 business days ago and this still has not been taken care 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 monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-05-01
Company: EQUIFAX, INC.
State: VA
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 XXXX with the fair credit Reporting act XXXX XXXX  Account # XXXX and 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: VA
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 XXXXXXXX XXXX  Account # XXXX and 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 account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT SYSTEMS did not get my written permission to furnish the unauthorized debt account in the letter attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report this debt. CREDIT SYSTEMS continuously fail to do due process designed to validate the debt Furthermore, as proof of the violations of my rights, The Privcy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate the alleged debt. I ( the consumer ) have never validated the item listed in my attachment. 
The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Family and friends were contacted multiple times by a woman named XXXX XXXX in attempts to collect an unpaid debt. I was notified by a cousin, family friend, great aunt, as well as my mother to call them to resolve the issue. XXXX XXXX used a threatening tone towards all individuals she contacted. She states that she would that I would be located in person, she went as far as to provide car license plate number. She threatened to contact an employer and speak to a supervisor. She also insisted that she would call and contact everyone until I was located. I resolved the issue XX/XX/19 via phone. I paid XXXX {$200.00} as well as set up a payment plan for the remaining balance. XX/XX/19 I verbally told the company to stop harrassing family and friends. I provided an E-mail and let XXXX XXXX know that I can be reached there and to cease all other forms of communication. They said since I made a payment and set up a payment plan the calls would stop. I went a step further and also requested an address for the company to send a formal cease and desist letter to stop the harrassing phone calls. XXXX never provided me with an address. XX/XX/19 family members are still recieveing voicemails from Ms. XXXX XXXX. She is stating that she will call until I am located, however I already resolved the issue. At this point my family and friends are being harrassed by this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that Portfolio Recovery Associates owns the rights to service the debt they have sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have 2 credit inquiries that I do n't remember applying for that are on my record. 

Date - XXXX/XXXX/XXXX - Credit Inquiry - CBNA Date - XXXX/XXXX/XXXX - Credit Inquiry - CITIBANK NA

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 2021-04-23
Company: FIRST PORTFOLIO SERVICING INC
State: UT
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:
Vervent is report a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt is still reporting on there but I have received letters stating this debt isn't owed and that they would be removing all negative information from my credit file. This account however, continues to report on my credit. This must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, What is the reason a XXXX looks at 2 year history of employment .... 

... how likely it is that you'll continue to make that amount of money. And many are paying more attention to your current employer. 

Ok, so if this is the case, why would you deny me a loan in which you approved on XX/XX/2021. Now on today XX/XX/XXXX after sending a letter of why I had an employment gap, notating that I have XXXX. All of a sudden I am denied? I will be taking this issue further in legal pursuits. I feel discriminated against. I informed you all before you took another jab at my credit scorXXXX. Now how can I find another suitable XXXX? It should have been a simple no, but as soon as I mentioned XXXX, my loan was denied and closed. 

XXXX XXXX XXXX XXXX delivered the news in a very unprofessional manner. He said the phone conversation was recorded, so please listen to it. I will continue to email every person within this company until I receive a proper explanation. Attached is the letter I sent yesterday. You tell me where you felt I was to be denied reasonably. Thank you all for your time. And if you know of any other important contact names that I should be aware of, feel free to email me and let me know. Otherwise, please forward to direct personal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
A credit monitoring alert came that XXXX reported a hard inquiry using my personal info such as social security number, my address, my name, date of birth, and address by online credit application at BANK of AMERICA on XX/XX/2022. I immediately called Bank of America, reported it was FRAUD, spoke with XXXX in Security at Bank of America. I then called XXXX to report and remove hard inquiry from my credit report. I froze all 3 major credit reporting bureaus, and informed my local police dept in XXXX, FL XXXX XXXX. I'm waiting for written copy of police report to place extended credit freeze.

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 2017-04-20
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was added as cosigner on a student loan through   XXXX    XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I adde d three stipulations for the loan : 1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 do   not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then   National Collegiate Trust.    The  loan is serviced by  American Education Services a nd despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in  XXXX  and  XXXX  and Inspector Generals in both states as well. My credit is still effected. NCT and  AES are  the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit  held hostage  or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare deleted the escrow account by my request on XX/XX/2021. However, LoanCare did not refund the balance of that account. Additionally, LoanCare didn't recompute the new monthly payment without the escrow contribution, so my monthly statement still shows the old payment amount. 

I have attempted to resolve this issue with LoanCare in writing twice by sending Error Resolution Notice under 12 C.F.R. 1024.35. LoanCare ignored both attempts by simply directing me to call them. LoanCare doesn't maintain live agents at their call centers, as I have not been able to reach one in the last three weeks. 

I kindly request your mediation in obtaining the refund of my escrow balance and recomputing my monthly payment.

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 2021-12-14
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Credence Resource Management calls daily from different numbers. They have called after XXXX before & called on a Sunday. Today XX/XX/2021 at XXXX... they called XXXX times in XXXX minute. The number that called me XXXX times in XXXX minute was from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Tuesday, XX/XX/XXXX a credit pull showed XXXX collections from XXXX XXXX. Not ever having services with XXXX XXXX, I called them to ask what they were reporting. The XXXX that assisted me could not find any information under my name, drivers license number, nor my social security number. She then advised me to call the collection agency which XXXX XXXX uses, which is Transworld Systems. On speaking with Transworld Systems, they also had no idea about the XXXX accounts in question. 
The amounts for these accounts are, {$530.00}, {$470.00}, and {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I hope this email finds you well. I am hoping you can help me or point me in the right direction. I am asking Citibank to help me remove the XX/XX/XXXX delinquency on my credit report with all three credit agencies. I feel that I have been a victim of an unfortunate situation that has cost me dearly. I have been a Citibank customer since I XXXX  college in XX/XX/XXXX. I still have an existing Citibank credit card. It started in XX/XX/XXXX when I walked into a branch to close my Checking Plus account. Something happened where the account was never actually closed. I had no idea an account remained opened until I had my mortgage banker check my credit as my family and I was about to put a bid on a new home. In the time it took for me to research exactly which account was showing a balance on my credit report, and to my surprise, I was charged with a 30 day late payment delinquency. Furthermore, I had accrued well over {$1000.00} in fees that I truly had no idea about. There is so much more to this story, and if you take the time to look at my history, you will find that something is just not right here. I have since paid my account in full, and all I ask is that considering the circumstances, that you could help me remove the delinquency from the three credit bureaus to help put this nightmare behind me. I do not feel that it truly represents my ability and willingness to pay my debts and has cost me a huge amount of trouble and a home that we missed out on buying. I have written letters to Citibank and to all three credit agencies. The conclusion I have found is that only Citibank can remove this. I have called Citibank numerous times, spent hours on the phone, have gone to the branch in which the account was closed, and even have been emailing with that branch manager ( see email chain below ). I feel like I am at a dead end and this has become my last resort. Please help me. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CarMax, Inc.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a 60 month loan fro m Carmax f or my   XXXX   XXXX   XXXX  , which was opened in Georgia in   XXXX   XXXX   XXXX  . This loan is in good standing and is in fact more than paid off in terms of the equity outstanding on the loan than would have been due at this tim e (   XXXX   XXXX   XXXX   ). T here are however late payments being reported to   XXXX   and  XXXX  alleging late payments in   XXXX   and again in  XXXX  even though the loan is in good standing. These allegations are hurting my score and I have repeatedly asked the credit unions to remove these.   XXXX   has removed them a couple times to ensure fairness but unfortunately they keep re-appearing on  XXXX .  XXXX  has not removed these items at all. These need to be removed forthwith from both   XXXX   and  XXXX  and   XXXX   too, although I am not sure the status on  XXXX .  Carmax give s the run-around and refuses to deal with the issue. My loan is in good standing and I should not have alleged late payments from the past hurting my scores. I ask that  XXXX ,  XXXX , and  XXXX  be instructed to remove these from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am submitting documentation ( Paper Trail ) I have submitted many documents and have given each respected company more than enough time to respond accordingly, There needs to be upheld justice, companies must follow the Law The FDCPA is clear on its laws and each company that is listed below have violated my reputation and I demand answers accordingly to each violation represented.

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 2017-04-20
Company: ECMC GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I terminated myself from the sorority in   XXXX   due to girl doing too much drinking and drugs. So I had a meeting with the board and they said I would not owe anymore fees because I disaffiliated myself from the organization. I have tried to contact the sorority by phone and am unable to reach them and get no responses to my voicemails. This has been an ongoing processes of me trying to get ahold of them for almost  XXXX  years now. I also received and email from the sorority in   XXXX   XXXX   stating that I was no longer going to be charged after speaking to the finance department of greek life at  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