BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-09
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/2018, I had my loan service switched from XXXX XXXX XXXX to XXXX in order to be eligible for loan forgiveness via income driven payments. The first payment that was due in XXXX was applied by a XXXX representative, over the phone using my credit card. After that first payment, I started to make payments online. All of my payments have been paid on time, actually early, and I always pay the full amount of {$370.00} and apply the payment to all loans. All of a sudden, in XX/XX/2018, I received a message that I had a past due amount of {$50.00}. That's impossible when I consistently pay {$370.00}, on time, every month. So I called the company to ask why I owed {$50.00}. I talked to two different representatives in which I did not get clear answers. Then I receive an email saying that I over paid on one of my loans. Which again is impossible because I consistently pay {$370.00} on time every month and apply the amount to all of my loans. I don't pick which loans to pay on. I call the company a second time and a lady says she would submit a request to have my payment reapplied. The next thing I know, my loan status is now in forbearance. Again, I call the company asking how and why I am in forbearance. I was told I asked for forbearance, which I didn't. I explained to the representative that I would not ask for forbearance because the sole reason for switching to XXXX XXXX was to be eligible for loan forgiveness. Accounts in forbearance are not eligible. During this phone call, two representatives go back and forth trying to figure out why I owe {$50.00}. They then end up telling me I paid on all my loans except the one that is past due and that I asked for forbearance. I then told them that was not the case and there must have been a misunderstanding somewhere in the phone call with the last representative. I tell the representative to take me out of forbearance. She said she would and then transferred me to someone else to make a payment of {$50.00} which I wasn't going to pay. I ask the next representative, again, why do I owe {$50.00}? She ended up saying she did not know and that it was confusing since I have been making appropriate payments, so she submitted another request to fix my account. Now, for the month of XXXX, it still says I owe {$50.00} plus the regular {$370.00}, but there is no past due message. I also notice that I do not even see that my past payments were credited to my qualifying 120 payments for loan forgiveness. I just need answers, I need my account status to be corrected, and I need my payments to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX XXXXXXXX

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 2023-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
It has come to my attention that capitol one still has yet to remove an item from my credit report since 2018 which I never agreed to have them report this and paid it off. Capital one account # XXXX. Section 1681a forbids such actions. Also this was a credit card which was reported for late fees which me and a banker agreed would not affect my credit which was a lie. 15 usc 166a states that any written or oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation etc. 15usc 166b, I never received mail stating that I have grace period. they were also notified by CFPB and they sent me a letter stating that they would not remove the account which been on my account for 4 years illegally. they also allowed multiple entities to steal my money and closed my account for no reason with money in the account. I had no money and the bank told me I had wait days for the money to be released. this bank really stressed me out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Upstart Holdings, Inc.
State: HI
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:
Upstart reported 30 days late on a {$30.00} late fee. They took my regular payment on time out my bank account but reported {$30.00} fee. I asked them why would they take out my regular pay if I owed more, and report the fee. I uploaded XXXX and XXXX you can see they took normal pmt if I owed 30 more why not take that too. Then in XXXX my normal pet again was taken plus additional fee {$85.00} then they credited the {$30.00} to my account this is predatory. 

I don't agree with their decisions of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened this saving account with Citibank in XX/XX/XXXX, and I transferred XXXX dollars from my other bank accounts to this new account. And right after that, this new account was 'blocked ' from me and I could not get access to it. Then I immediatedly contacted Citi bank services by phone call, and their security department told me that my account has to be closed, but they refused to tell me the reason. And I was tole the fund in the account would be sent to me by check within 60 days. But after that I didn't receive the money or any further notifications. In stead, I still received account statements on paper every month. So I called Citibank service again, and told me the same again : they decided to close my account, and the fund will be sent to me within 60 days. Then I still didn't receive anything. I don't really remember how many times I have called, but the most recent one is in XX/XX/XXXX. Every time I call, they told me the same thing and they promised I would get my refund, but nothing happens after that. I still receive the paper statements, and the balance has not changed since I deposit the XXXX dollars. Now I even lost the access to my Citi bank credit card since it shares the same user info with the saving account.

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 2020-03-05
Company: United Collection Bureau, Inc.
State: NJ
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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: SYNCHRONY FINANCIAL
State: TX
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:
I called the Synchrony Financial about my XXXX XXXX XXXX XXXX  card. I explained to them that I have been going through a cut in my finances over a year due to I was in XXXX XXXX XXXX but continued to pay them but now I have to go back to work and I need time to get back on my feet. I spoke with a representative and they told me if I dont have any income at this time they cant help me. I explained to them I coming to them for help I have never been late never called with an issue nothing but they can not help someone that has credit protection through their company.

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 2023-02-12
Company: DISCOVER BANK
State: PA
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:
I had a fraud incident in XXXX of 2022. The Discover fraud was immediately investigated and the case has been closed with the funds refunded. There is no mention of fraud being reported, investigated, or closed anywhere on my account. I have attempted to get Discover to email or send me a letter saying I reported fraud for over an week and they are refusing to. I need this letter for the police and Discover is refusing to provide it. The only records I have is my statement showing initial purchase and later refund with no mention of fraud which the police have told me does not suffice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Attached is a periodic email communication I receive from PurePoint. Is it really fair to permit them to limit the interest rate comparison of their savings account product to other banks that pay less interest? Isn't this cherry-picking and misleading and fraudulent to permit them to omit from this comparison banks that pay more in interest than PurePoint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Begin forwarded message : From : Bank of America XXXX Date : XX/XX/2023 at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Activity Alert : Your credit card is on the Way Reply-To : Customer Service XXXX Bank of America? 
Activity Alert Credit card ending in XXXX Your credit card is on the way XXXX XXXX XXXX XXXX, Your credit card ending in XXXX was mailed on XX/XX/2023 to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Your card will arrive within 7-10 business days. 
When your new card arrives 1. Activate your new card immediately to begin making purchases.

2. Review the additional detail provided with your card documents.

If the address listed above is incorrect or your card isn't received in the specified timeframe, please contact us immediately. 

We'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. 
Please don't reply to this automatically generated service email. 
Privacy Notice XXXX XXXX XXXX Bank of America , N.A . Member FDIC 2023 Bank of America Corporation

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 2018-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a victim of fraud and have been without {$540.00} for over three weeks. Two fraud transactions posted to my account. These transactions were made in a city over 2 hours away from where I was located at the time. I was at work during the transactions in XXXX County, the purchases were made in XXXX XXXX County. I provided BofA my work schedule and my credit card statements that clearly show I was in XXXX  County. This has been extremely frustrating and has caused a financial hardship. 
The first fraud transaction was charged ( {$180.00} ) on XX/XX/2018, but did not bpost to my account until XX/XX/2018, and the transaction posted without any notification to me. I have notification alerts with BofA. 
The second transaction was charged ( {$350.00} ) on XX/XX/2018 but did not post to my account until XX/XX/2018, and like above, I did not receive any notifications. 
I noticed the fraud transactions on XX/XX/2018, and immediately reported the fraud to BofA. A customer service rep at BofA stated the card was used legally by manually inputting the card number. The rep stated the fraud was reported and my money was credited back to me. My debt card was closed and a new card was delivered to me. 

On XX/XX/2018, I noticed BofA decided to withdrawal the money out of my account that was previously credited. BofA sent a email and letter prior to taking the money but I was out of town and missed the notifications. 

I contacted BofA on XX/XX/XXXX, to disputed the descision. I was told I could not be transferred to the investigator who handled my case, and I could also not have his name. I was told I can request to have the investigator call me. I made the request and waited 48 hours without any notification. I contacted BofA again and submitted documents that show the charges are fraudulent. I provided my work schedule that shows I was at work, and credit card statements that show I was in XXXX County during the times of the transactions which took place in XXXX XXXX County ( over two hours away ). 
As of Saturday, XX/XX/2018, I have no been contacted. Additionally, my account was charged a fraudulent charge of XXXX dollars on Friday, XX/XX/XXXX, which was resolved today, XX/XX/XXXX. 

I again requested the XXXX dollars be returned immediately, as its clear my account has been compromised. I have still not received any notification..

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last month i found out that my ex wife XXXX had opened a mortgage loan under my name. The creditors called me demanding a payment. I have never sign anything or was aware that she had a mortgage under my name. This mortgage was done fraudulently and i wasn't aware of it.

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 2023-06-19
Company: Upstart Holdings, Inc.
State: MD
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:
Over the years, I have been a victim of identity more recently I found out on XXXX my personal information had been stolen and used in a fraudulently workers comp case. 
After this my bank account were hacked and money stolen. Debt collector bought my debt the pursued aggressively. They contacted debts and had some of my accounts closed after being late less than 30 days once XXXX XXXX XXXX XXXX XXXX XXXX The other two accounts I was late once less than 30 days because of a finical hardship. Which I contacted the two companies XXXX and Upstart told them and asked for payment plan - they both denied and started a collection and gave unrealistic payment options, that I could not pay. In XX/XX/XXXX, I refinanced my house to pay those two collections I provided all three credit agency copies of court dismissal because I paid after speaking to the companies which told me to go to each other and the collection agencies for help. It was suppose to be deleted in the status is reported wrong. " It states written or charged off for the full amount '' even though it was not written off and I paid in full nor will they delete or change that status. I have ZERO balance but they refuse to change the status from written off for full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Account information incorrect

Complaint:
XXXX XXXX Acct # XXXX Balance = {$770.00} Date opened XXXX Disputed this 3 times one online through Experian app and also sent in 2 letters Most recent dispute sent in on date XX/XX/2022 This is a fraudulent account I have sent in receipts directly from XXXX to the credit bureaus showing I returned phone to store within 3 days of purchasing and they sent phone to collections stating i never returned Lastly I also contacted XXXX and still they have not removed from 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 2022-10-13
Company: EQUIFAX, INC.
State: DC
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:
What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

Company response to consumer: Closed with explanation