BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Since the summer, Ive been trying to pay my utilities bills using my. The transactions appear until midnight day off and then get your raced from Bank of Americas computer. The utility companies keep saying that the transaction is denied for lack of funds. However, theres always ample funds in my account. so even if I was double charged, there would be enough to pay several calls with Bank of America they all do the exact same thing and none of them attempt to find a mutual solution to my problem. Ive paid at least {$500.00} for both my gas and electric bill due to this issue.

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 2022-03-08
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Starting XX/XX/2022 I submitted an application to remove a co-signer off my student loan. I submitted the completed application with my pay stubs. 

Approximately 2 weeks later on XX/XX/XXXX, I was notified my paystubs were not sufficient since my employer was not listed and I would need to submit a W-2. 

On XX/XX/XXXX I was noticed my application needed my phone number and gross monthly income. I once again resubmitted my application. 

On XX/XX/XXXX I was notified I needed to submit a copy of my social security card even though the application asked for either my account number or last 4 of my SSN. Later the same day I was told I needed to show proof of income which was already sent on XX/XX/XXXX. 

XX/XX/XXXX, I was told I needed to validate my physical address and today XX/XX/XXXX I am being told my application is missing my gross monthly income. 

It has been a never ending cycle with this company and I just want to get the co-signer off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: PA
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

ACCOUNTS : 1. Collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number XXXX 2. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Number XXXX 3. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX 4. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX 5. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Account Number XXXX HARD INQUIRIES : 1. Creditor information XXXX 2. Creditor information XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXXXXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX XXXX  XXXX 8. XXXXXXXX XXXX XXXX 9. XXXX XXXX XXXXXXXX XXXX XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXXXXXX XXXX 16. XXXX XXXX 17. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 18. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 19. XXXX XXXX XXXX XXXXXXXX  XXXX XXXX 20. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 21. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 22. XXXX XXXX 23. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I received a XXXX Payment of {$350.00} from XXXX. Funds were instant and all was well until XX/XX/2019. There was an unrecognized charge of {$350.00} labeled as Misc Debit. I assumed this was a XXXX payment reversal so I contacted USAA to fill out a research form to provide me more information it as there was no information on the charge. 

I let time pass and I accepted my loss and had moved on, however recently I wanted to understand what the charge was for so I contacted USAA on XX/XX/2019 and started a call with them at XXXX XXXX  EST. The rep was very kind and assisted me in getting senior specialists to assist in determining what the cause of the charge was. They spoke with their executive big boys/gals and they stated that they were not able to determine the cause of the payment debit other than related to a transfer. They stated if it had been a XXXX  reversal it would be stated as XXXX reversal. Informed that in order to look into it further I would have to get a court-order subpoena to have execs provide internal information as to why my account was debited {$350.00}. 

So here 's the bottom line, USAA admitted that it was not a XXXX payment reversal. Stated that there were no disputes received in regards to the XXXX payment of {$350.00} and that they're unable to provide any further information as to why my account was debited {$350.00}. I do not wish to classify this as an unauthorized charge, but I would allege that it is until USAA is willing to provide accurate information. I trusted USAA to protect my assets and at the drop of a hat {$350.00} poofs and 0 explanation can be given. 

USAA is a great company overall when it comes to my banking needs and would not choose another bank, but the future looks grim if they lose track of their customer 's finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
The credit bureaus especially and most specifically XXXX has allowed inaccuracy from reporting agencies onto my credit they're also seems to be a discriminatory process taking place with XXXX for instance their XXXX boost is not made available to all customers it is selected or given according to race their concluded that I'm XXXX  and have for no good reason continually disconnected my account from being able to receive the XXXX boost option they have also made it impossible for contact when my social security number is entered their phone options become inoperable... The reporting agencies Equifax and XXXX along with them have been in non-compliance and have not screened out violators specifically in regards to reporting from car finance companies about late payments customer needs to be able to understand the correct process in seeking damages for these failures of accuracy and procedures of unfairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: MS
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 the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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 : Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION XXXX ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
First of all I did everything that was asking me from Bank of America I provided everything they asked me for second of all I provide a job proof that this bank is farther than any my account then forged my signature or my paperwork day why did I claim numbers on the top of my paperwork I provide a job with all this information and nothing it's been done about this Bank so if y'all can't let me talk to Mrs or I'm going to the Congress XXXX XXXX XXXX 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 2024-01-02
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
This is a follow-up to complaint XXXX which involves forced placed insurance. 
Shellpoint Mtg. promised to refund {$2600.00} for XXXX. I tried many times to send documents which prove I have XXXX insurance through XXXX XXXX XXXX XXXX, but Shellpoint doesn't receive them. I have attached these documents. 
I deeply appreciate you help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Bread Financial Holdings, Inc.
State: TX
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:
Comenity Bank has fraudulently charged my account for back interest associated with a promotional plan. I have been trying for almost 1 YEAR to get this resolved with several calls that took more than an hour each without any support or response. Each call resulted in verbal confirmation that the charges were incorrectly charged and would be sent to an " internal dispute department ''. I could not get any confirmation number or name within this internal department and told only that I would receive resolution by mail. Since then my card has continued to accrue interest that should not have been charged. 

This should be considered FRAUD over well over {$1000.00} that should be credited to my account. 

Note : Before I paid the promotional balance I called the credit card company to verify the value I needed to pay ( while I was ill with COVID ) and confirmed the amount to pay ( {$630.00} ) to avoid the deferred interest on the promotional balance. However the next statement indicated I did not pay an additional {$71.00} and therefore the deferred interest of over {$1000.00} was added to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Choice Recovery, 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: Information belongs to someone else

Complaint:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than toCHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX 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 2024-01-02
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I purchased my primary home in XX/XX/XXXX for XXXX, I was in a pre foreclosure status and asked for assistance with my home payments in XXXX. They said there was nothing they could do, but once I hit a 90 day late more options for help would become available to me. For months I would fill out information to receive a modification and they would not assist. I then had to go to several mediation hearings, and take my income documents, etc. the same information I was mailing in. This went on for about 18 months, stressed and caused mental anguish. My income was high enough for me to go into a repayment plan or modification, but they kept denying all plans. I believe I was affected by miscalculations in their systems. My property was sold at sheriffs sale for XXXX at the end of XXXX. The home was valued at XXXX ( and has recently sold for XXXX ). I have lost a tremendous amount of equity due to the foreclosure. I was initially XXXX payments behind due to illness ; and just need help with a repayment plan. I have tried to contact them to see when and how much I will be awarded, and they last stated my loan can not be located, per my last call on XX/XX/XXXXXXXX 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 2024-01-04
Company: CITIBANK, N.A.
State: FL
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:
I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given CitiCard notice of opt out in XXXX, XXXX and the 2nd Notice of Opt out on XX/XX/2023. CitiCard is in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bililey Act ( GLBA ) ( Privacy of Consumer Financial information ). This notice is in regard to CitiCard Customer name XXXX XXXX, account number XXXX. Please see the attached opt out letters and information sent to XXXX 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 2020-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XXXX, I noticed a {$5.00} bill payment to My credit card. I did not make this payment. I call to get it reversed. I called 3 times and was forwarded to customer service, the fraud department, and the paymemt processing Department. On the last call I spoke with the manager who was very unprofessional and rude and he put me on hold and never returned. So I emailed the CEO XXXX, and ececutives : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX None of their officers responded. This is why I'm filing a complaint. It appears that Someone or some entity is sending small payments to my account perhaps in the hopes of sending larger payments to maybe launder money. The 2nd time I called the rep said there seemed to be a similar payment around {$15.00}. I am requesting that they find all of these unauthorized payments and to reverse them or back them out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I faxed and mailed challenge letters to Experian in reference to accounts that are reporting falsely which are XXXX XXXX XXXX/ XXXX, DEPARTMENT OF DEFENSE , AND XXXX XXXX XXXX XXXX with all the account numbers to match. I asked Experian to investigate these accounts because they are reporting falsely. I listed the reason for the violation and what I wanted done which is for the items to be deleted. I asked after deleting these accounts to send me a COMPLETE and fully updated credit report. I included a tracking # and a paper trail # so that I can have these for my files. I also included supporting documentation that shows the inaccuracies and circled them in red as proof. I also including my identification to prove that I am who I say I am. The investigation was opened on XX/XX/2019 and the investigation was closed on XX/XX/2019. The date of status never changed for the XXXX XXXX or XXXX XXXX XXXX which is a violation for one and two shows that NO INDEPENDENT investigation was ever conducted which is a violation under the FCRA. For the DEPARTMENT OF DEFENSE account it states the item was updated from processing of dispute in XX/XX/2019 but I just challenged this account on XX/XX/2019 which also tells me no investigation was ever performed. I very upset and very dissatisfied with this company and how they are handling my credit and personal information and my rights under the FCRA. I want these items deleted from my credit report immediately because I have done exactly what was asked which was a letter 100 words are less stating the issues supporting documentation to go along with and what I wanted to be done and this has not happened

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 2024-01-04
Company: I.C. System, Inc.
State: GA
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:
On XX/XX/XXXX I required a validation of debt from IC SYSTEMS COLLECTION. They sent a letter saying " we are able to identify the account record without further information. I call IC SYSTEMS COLLECTION gave them my name, they could not identify the account. 
Their clients knowing it was squatters on property after I move out. They are responsible for all the damage that was done. 
Information on my credit report is incorrect : Exquifax : Date of XXXX. Delinquent XX/XX/XXXX XXXX on XX/XX/XXXX is XXXX XXXX : Date open XX/XX/XXXX XXXX on XX/XX/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