BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I looked at the activity within my Bank of America ( BofA ) XXXX XXXX  Checking account and noticed I had been assessed a maintenance fee of {$12.00} for XXXX and XXXX of XXXX. I reviewed the bank 's fee schedule and saw that they required a minimum average daily balance of {$1500.00} or {$250.00} direct deposit to waive this fee. I only have been able to maintain a direct deposit of {$25.00} going into the account for XXXX and XXXX, and the average daily balance was below the minimum daily balance. 

I called BofA customer service at XXXX XXXX on XX/XX/XXXX to request the fees be reversed on the basis of a customer service gesture, but was denied. I informed the agent, XXXX ( in NJ ) that my girlfriend recently had several of the exact same fees reversed from her account ( also an XXXX XXXX checking account ). After stating they would not reverse the fees, I requested to speak with a supervisor. XXXX informed me that his supervisor, XXXX, would call me within XXXX minutes, but as of XX/XX/XXXX, she never attempted to call me. 

I called BofA customer service again on XX/XX/XXXX to notify them that the supervisor didn't call me back and to again request for fee reversal, which was again denied. Based on my girlfriend recently having the same fees reversed, I feel BofA is summarily discriminating against certain account holders on the topic of fee reversals. I submitted a request with the agent XXXX XXXX, VA XXXX this morning to close this checking account with BofA.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives monetary compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a previous complaint i filed. I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.

Company response to consumer: In progress
Consumer complaint received 2023-04-15
Company: ALLY FINANCIAL INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was a co-buyer ( myself and my son ) of a XXXX XXXX Vehicle financed thru ALLY FINANCIAL, using my credit and my son making the payments. I thought I was a co-signer ( later realizing I was not ) and my son and I had a disagreement regarding his late payments, insurance, etc on the truck. 
I tried to surrender the truck to Ally, but they refused. I later ran into financial difficulties and I had to file XXXX  XXXX bankruptcy on XX/XX/2021, it was discharged XX/XX/2021. Ally continued to report late payments and a balance owed on my credit report after the bankruptcy. I contacted them by e-mail a couple times only getting a response stating to call them ( they apparently do not like to supply written responses ). 
I contacted the credit bureaus ( XXXX, XXXX and XXXX ) and filed disputes. 
XXXX 's response was that ALLY verified the debt and they kept it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are listed on my report. My correct legal name is XXXX XXXX. 
2. Addresses : The addresses 1, Incorrect Address XX/XX/XXXX My correct address is as mentioned above .

3. Social Security Numbers : My correct social security number is as mentioned above.

4. Year of Birth : My correct date of birth is as mentioned above.

5. Phone Numbers : XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, My correct phone number is ( XXXX ) XXXX XXXX. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXX listed in my report are incorrect. 
, I formally dispute the following charge-off accounts : XX/XX/XXXXI am disputing the following collection accounts : 1.XX/XX/XXXX ACCOUNT # NOT LISTED 2.XX/XX/XXXXXX/XX/XXXX 3.XX/XX/XXXXThese accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
XX/XX/XXXXlease see attachment for the Fraudulent Inquiries

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I co-signed my son XXXX XXXX 's private student loan with XXXX XXXX, during Covid-19 we assume that XXXX XXXX  loan was on pause and could not able to make payments. In the XX/XX/2023 I contacted XXXX via email with the pay to delete offer and I received response back from XXXX XXXX on XX/XX/2023 that account has been charged off to XXXX now. Proof enclosed. I contacted XXXX and paid off the balance and remove the negative enquiry from my credit report. Which XXXX did but despite my repeated requested to XXXX XXXX to remove negative reporting on my credit report it is still showing that me and my son owe balance of {$21000.00} which is hurting badly as I am in process to buy home and being denied for home loan. Every time I contact XXXX XXXX to remove negative reporting of credit bureau specially Transunion and I have not been able to receive any response.

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 2022-12-26
Company: Adler Wallach & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is a company called AWA Collections. They have been continuing to harass me in regards to a bill that I do not owe from XXXX XXXX. When I went to XXXX XXXX  I had insurance and I also had XXXX XXXX to pay for anything that my plan did not cover fully. I contacted them and asked them to validate which they did not. They continue to make these false reports on my coedit report and I want them to remove it immediately. That is not the worst part. The harassment is one thing, and not validating the debt in another thing but the thing that most concerns me is the fact that they are charging me interest on the debt on a monthly basis. Every month I get a notice from XXXX XXXX saying the balance on the account has gone up. There is no way possible I owe XXXX XXXX anything and they way they keep increasing the amount of this so called debt on a monthly basis is unlawful and so is not validation the debt and making false reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In 2011 I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the DOE about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the DoE left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate. 

More Information : XXXX XXXX XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the XXXX disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2023-12-19
Company: CITIBANK, N.A.
State: NY
Product: Credit 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:
Summary of the issue : The order : Order # XXXX was not received by me. There are numerous reports online of issues with orders not being delivered but being marked as delivered by the carrier XXXX ( which Macy 's used to deliver this order ), which I suspect might have happened here. 

I believe both Order # XXXX and Order # XXXX were shipped together as one package but the entire package was not received by me. I have already received a refund for the non-receipt of Order # XXXX. But for Order # XXXX I have raised the issue twice now and I have been denied a refund by Macy 's. 

Timeline : Before XX/XX/2023 - I tried to mark item as not received thru Macy 's online account. Denied issue of credit. 

XX/XX/2023 - Phone call to Macy 's Customer Care to raise a non-receipt of item complaint XX/XX/2023- Inquiry submitted directly to the carrier XXXX. Details : Case number : XXXX Tracking Number : XXXX XX/XX/2023 - Second Phone Call for the same issue. Denied refund of credit. 

XX/XX/2023 - Email sent to " XXXX '' with subject " Non-Receipt of order number : XXXX. Final attempt '' XX/XX/2023 - Disputed charge thru Macy 's online portal with below details : Case ID : XXXX STATUS Open Amount : {$130.00} Date Submitted : XX/XX/2023 XX/XX/2023 - Received postal letter from Macy 's ( XX/XX/2023 ) resolving the dispute by refusing to issue a credit for the non-receipt of items after their investigation. 

No reply from the carrier " XXXX '' yet. 

Macy 's has not furnished me with any video or a photographic evidence that the package was delivered. Instead, on the letter dated XX/XX/2023 from Macy 's they have included a screengrab from XXXX of the item delivery, which can be easily falsified. 

Macy 's should also take into account of the numerous reports online of issues with orders not being delivered but being marked as delivered by the carrier XXXX, which is most likely to have happened here. 

I am attaching a report of XXXX reviews from online where numerous customers and a news report have all complained about XXXX. 

Macy 's should also look into my account history and verify that I have been a customer for many years and not a single time was a dispute raised with them except for these items marked as delivered by 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 monetary relief
Consumer complaint received 2023-06-17
Company: ZIONS BANCORPORATION
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
hello Case # XXXX Zions bank send a NOTICE OF TRUSTEE SALE. With new company name how many companies own my mortgages this is a big pyrimid scheme. Financial pyrimid scheme groups 18 U.S. 2-239 pyrimid promotional scheme ; penal code section 327 11 U.S Code 327 Employment of profeciona... 
XXXX XXXX XXXX. 
Zions I know who is behind this I will send more info Zions bank, XXXX XXXX, and the group of scheme examples, All real states are private with their own banks. I'm the owner of all trustess private and public. I'm the internal Government CA under secret seals of XXXX. 
XXXX  churche is behind this in all there cult i got prove XXXX XXXX put in XXXX the they not in mortgages or real states, or trademark account clones i got one don't match with my private keys

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 2019-02-07
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: Their investigation did not fix an error on your report

Complaint:
I requested documentation from XXXX XXXX XXXX ( XXXX XXXX Bank ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the Consumer Federal Protection Bureau that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today

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 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a XXXX party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for XXXX ( XXXX ) years. 

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after XXXX years. 

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

Thank you for your cooperation and prompt attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2020-11-30
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was not an option specifically tailored to my needs. 
I had a {$100.00} balance with a utility provided after I ended services with them. 
It was missed and on XX/XX/XXXX I received an alert from XXXX. I pay all my bills on the XXXX of each month, and included it to be addressed and paid in full on XX/XX/XXXX. 
I.C Systems reported the same collection 5 times to my credit, resulting an a credit score decrease of 24 points. All the while I am in the process of increasing a business credit line. 24 points is detrimental to a business owner, and reporting the same collection 5 times in one month should not be allowed, and should not effect someone's credit score that dramatically.

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