BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During a period in XXXX and XXXX, I sustained a financial crisis which resulted in paying a number of accounts late. My checking account was with Bank of America. Bank of America did not pay other creditors when the account balances were too low to honor a check or a draft, but repetitively would run its own credit card or loan bills through the account, then charging both an overdraft fee and a late payment fee. Bank of America knew or should have known the money was not there to pay, and therefore acted to run up overdraft fees for its OWN benefit when I did not pay the payment due. I do not challenged the many late payment fees, but never authorized the drafts Bank of America took, apparently for the sole purpose of obtain overdraft fees on transactions Bank of America itself generated. More than a XXXX dollars was charged. I have the records to show these transactions.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - TransUnion ( 16 ) XXXX ( 14 ) XXXX ( 12 ) Open Accounts Reported - TransUnion ( 14 ) XXXX  ( 2 ) XXXX ( 4 ) Closed Accounts Reported - TransUnion ( 2 ) XXXX ( 12 ) XXXX ( 8 ) Delinquent Accounts Reported - TransUnion ( 1 ) XXXX  ( 1 ) XXXX ( 1 ) Derogatory Accounts Reported - TransUnion ( 12 ) XXXX ( 11 ) XXXX ( 8 ) Collections Accounts Reported - TransUnion ( 11 ) XXXX ( 10 ) XXXX ( 6 ) Balances Reported - TransUnion ( {$27000.00} ) XXXX ( {$26000.00} ) XXXX ( {$22000.00} ) Payments Reported - TransUnion ( {$38.00} ) XXXX ( {$13.00} ) XXXX ( {$38.00} ) Inquiries Reported - TransUnion ( 4 ) XXXX  ( 3 ) XXXX ( 7 )

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 2022-09-16
Company: Experian Information Solutions Inc.
State: TX
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:
It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-11-11
Company: Concord Servicing Corporation
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I purchased some solar panels in 2015 from a small company called " XXXX '' and during the pandemic the company went out of business so there's no one to replace or repair nor service the panels so I'm stuck with paying for panels that I can't use because they has no service agreement. No solar panel company wants to repair or replace nor service another companies product. So the collection agency says I still owe the original {$30000.00} that I've been paying for the last eight years with no reduction in the amount that I purchased them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: College Ave Student Loan Servicing, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/09 I spoke with XXXX at XXXX XXXX and advised her I'm having an hardship and will be out of work long term with no income. XXXX didn't offer any options or empathy. In a very condescending tone she advised she had nothing to do with me being out of work, that has nothing to do with her. I should not have borrowed the money from them in the first place and I need to borrow the money and I better have the money by the XXXX or else. I advised I was recording her she said what is that going to do she don't care and she hung up in my face. I was distraught so I proceeded to call my daughter in law. My daughter in law called and spoke to XXXX asked questions about the loan and asked what options do their company offer to help consumers that lost their jobs? XXXX advised a XXXX month extension. My daughter in XXXX advised my situation will last longer and asked what are the next steps? XXXX advised her assets will be picked up and if she didn't give it to them she is going to jail. My daughter in law advised XXXX she can not say that, that is unfair debt collection XXXX then advised she spoke to the judge and XXXX XXXX said she going to jail as well. My daughter in law advised her company is practicing unfair debt collection she started laughing and hung up we tried calling back and was constantly being hung up on, So my daughter in law called a XXXX XXXX  in XXXX XXXX advised what happened they advised a district manager would return my call, no one has called. The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt XXXX to use abusive, unfair, or deceptive practices when they collect debts. XXXX is definitely in violation and I have a witness that heard every word she said.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: GU
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 reported the issues surrounding an account found on my credit reports named XXXX XXXX XXXX  '' # XXXX account that had many inaccurate information on payments with CFPB as of to date per XXXX and Experian it ( shows that I made a payment in XXXX OF 2023 ) ; I have Never made any recent payments to this company- ( please ask to see a payment receipt from said company it will show nothing! I have no copy of any paid receipts, no recordings of such kind ) reporting payment dates, etc.. as of to today. This company is reporting something that is FALSE and intentional! This goes against section 623 of the FCRA and regulation V. Second, I have also reported this a few times with credit bureaus and both XXXX and Experian with the exception of XXXX has removed/ deleted the account. 
This said account was opened XXXX ( it is now aged at 10.4  months old ) and after verifying with a free annual credit report and the bureaus this account has EXCEEDED the FCRA rule which is " a consumer reporting agency can no longer report negative information that is more than seven years old. '' As a consumer they have violated my rights and is not in compliant. I demand that they remove this account immediately across XXXX and Experian bureaus. They are strictly in violation of my consumer rights.

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 2018-07-13
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bull City Financial Solutions has reported three collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. Bull City Financially is acting as an illegal collection agency, defying federal  collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There is an on-going issue with Discover Bank, where I am not able to manage/access my checking and savings account with this bank. Each time I attempt to perform any banking transactions, my account is locked/frozen/blocked from me accessing it, which lead to having to call Discover Bank customer service and waiting for an agent. Recently, this account was frozen for 21 days and was unlocked on XX/XX/21, with the excuses given that suspicious activity was the cause of my account being frozen. As of XX/XX/21, after attempting to use XXXX, my account was locked out yet again, which I had to call customer service to speak with a fraud specialist. XXXX verified information on my bank card and then informed me that she had unlocked my account. She suggested that I log-in again while she went to do research on my account. While she had me on hold, the account was locked out yet again, just for me actually logging in to the account. XXXX said she would create/open a case in regards to this issue, because she didn't see anything wrong that would prevent me from accessing the account, that everything was good, but yet, I wasn't able to log in. She suggested that I wait until the following day to try to log in again, after the case had cleared their systems. She placed me on hold for a few minutes to check my log-in history and then came back on the line to tell me that someone in Virginia state had attempted to log-in to my account multiple times. She suggested that I change my password and possibly have my account ( s ) reissued, but I needed to wait the 24 hour period to reset my password first, to see if that would solve the issue. This problem of my account being locked out/frozen/blocked access has been going on for a very long time and it's getting to be a big annoyance, especially when I have to wait on hold to get to an agent and then get to an agent and then have to listen to the same story of no one really knowing what's happening with this account. This is a headache that has caused a great deal of emotional stress, that Discover Bank doesn't seem to actually care about, being that they haven't fixed this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2015, XXXX XXXX diagnosed my computers problem as needing a new hard drive. They told us we couldnt just pay for this repair and would need to purchase a service plan that would cover the work needed. We were heavily persuaded to purchase a 3 year plan of nearly {$350.00}. Plus purchase the additional hard drive, which was not covered in the plan. 

When they went to install, they realized that the hard drive was, in fact, not the issue and the motherboard needed replaced. This assessment forced us to junk the computer and purchase a brand new one. We have been trying ever since to be removed from the service plan and receive a refund for it. We even offered to pay for the labor hours, but have been denied at every turn. 

XXXX XXXX roped us deceptively into a contract under the pretense of need. When that need was proven false, they refused to allow us out of the contract. Oh, and to add insult to injury, when we took our dead hard drive to a retrieving service to get our precious data from it, it was found that the blank new one was still in it. It took XXXX XXXX two days to even find our actual hard drive, which they never returned to the housing. 

We have never used this service for anything else and essentially paid {$350.00} for a wrong diagnosis and were forced to buy a new computer anyway. We tried repeatedly to receive a refund from XXXX XXXX, Best Buy, and Best Buy Credit. We were brushed off at every attempt. Since it was a credit purchase yet paid from pocket, I continued to make payments on the account until only the disputed funds remained unpaid and simply stopped making payments at that time. My credit report will show that this is not typical behavior for me and Im not trying to just avoid paying my debt. 

We are currently being sued by the collection agency representing the debt, and have since acquired documents from the original creditor containing fallacies regarding the transaction. These lies assert that work was done when in fact, they're charging us {$350.00} for a diagnosis.

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 2023-11-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I leased a new XXXX XXXX XXXX in XXXX, XXXX through Chase Leasing. Near the end of the lease I decided to purchase the car and enter into a loan with Chase Auto Finance. The vehicle was sold on XX/XX/XXXX for {$47000.00}. The sales tax was capitalized into the loan and totaled {$290000.00}. The bill of sale was for vehicle {$50000.00}, which is the sum of the purchase price for the vehicle and the sales tax in Connecticut. I received the documentation necessary to re-register the vehicle in CT on or about XX/XX/XXXX. Included in the documentation was a check to the State of Connecticut for {$90.00}, representing the cost for the vehicle registration. They did not include the CT sales tax in that check which was dated XX/XX/XXXX. I have been calling every week since and Chase has yet to send a check for the sales tax which has been capitalized into the lease and I am paying principal and interest on. Meanwhile, my vehicle registration expired on or about XX/XX/XXXX and I am driving on an expired registration which makes me very nervous. I can not re-register the car until I have a check from Chase for the sales tax. I won't bother you with the endless and time consuming calls I have made to Chase, but I do want you to take this up as they have capitalized the sales tax into the loan and are not paying that amount to the State of Connecticut by check. They are forcing me to pay it TWICE to register my vehicle. WHICH I WON'T DO!! This massively inflates the return to Chase for this loan!!!!! This is a rapacious lending scheme!!! Imagine inflating the value of a loan over the value of the asset by adding sales tax and then not paying out the sales tax. This is CRIMINAL!! Moreover, if I get pulled over for a traffic violation, I will not be able to explain the lack of a current vehicle registration which Chase is SOLELY responsible for by not sending me a check, payable to the State of Connecticut, for {$290000.00}. I've attached relevant documents which show the sales price of the vehicle and the sales tax. I have also included the check for {$90.00} for the registration fee. During my frequent calls with Chase, they defend themselves by saying the {$90.00} is for sales tax. The Disbursement Request Detail ( which I have uploaded ) clearly shows that the are DMV fees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
The same exact thing happened that happened to me for 6 months last winter, finally resolved with your help XX/XX/XXXX ..... 

I attempted a balance transfer payment in XXXX of XXXX to help pay down my home equity line of credit. The payment shows as PAID on my Capital One card statement, dated XX/XX/XXXX ( {$1500.00} + {$45.00} fee ), yet the balance remains UNCHANGED on the home equity loan which the payment was intended to pay-down. 

Capital One is using the exact same verbiage they used last XXXX, blaming XXXX for the error. Saying I haven't waited long enough. Saying it was a paper check that must have gotten lost. Saying they canceled the transaction, but I need to wait XXXX business days ; but then I called back to make sure the transaction shows as cancelled and they started repeating the same jargon they tried on me last winter. Exactly the same script. 

THIS IS FLAT OUT FRAUD - ESPECIALLY SINCE IT HAS HAPPENED TWICE IN A ROW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A auto mechanic charged me over {$5200.00} claiming they did work. They did nothing to the car and I had two other mechanics verify this. I provided this evidence to Chase Bank and they only temporarily overtured the charge only to reverse their decision later on siding with the mechanic who falsely charged me for {$5200.00}. 

I provided photographic evidence, written statement, and receipts even showing me they charged me for the wrong parts. Chase did not even contact me after the fact of sending them this information. They did not even inform me by phone that this was denied which caused me some temporary financial issues. ' I also have high resolution photos to prove my case showing the dates on the installed parts. Chase never discussed the suspiciousness of this ever with me. 

Also the receipts I provided says they installed XXXXXXXX XXXXs, which are yellow and clearly not on the car, the mechanic later said oh no we installed " refurbished '' originals. Chase also didn't seemingly care about this lie and false representation. 

I have a PDF with photos and photos that exceed the XXXX limit that may help with my case.

Company response to consumer: Closed with explanation