BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America XXXX XXXX XXXX This card doesn't provide any option to receive statement via mail nor email. It doesn't provide any option to set up automatic payment. It doesn't provide any option to receive notification on balance due or late fee in any form. The only way one knows how much is due or if there is a fee is by logging in the website to check monthly. 

Bank of America obviously have all the above options set up for their other products. This isn't a technology issue. What credit card wouldn't want to give consumers an option to automatically pay them except those who want to get late fees and interest hoping consumers won't notice there is balance due. The only reason the XXXX XXXX XXXX is set up this way is to set consumers up for late fees Bank of America can collect. This practice is predatory. 

Late fee of {$35.00} charged on XX/XX/2023.

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 2021-08-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
MY account was over drafted due to an unauthorized payment. I contacted the bank and the bank the overdraft fee of {$36.00}. However, the bank refused t reverse the OD overdraft daily fee on the the original {$36.00} overdraft fee, which makes no sense. 
The bank charged me heft fees of {$7.00} a day totaling to {$77.00} or so, I have a copy of my a printout of my statement that was printer by the Personal Banker of BMO showing the refund of the original {$36.00} OD fee.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have disputed several things with my credit report and the credit bureau are refusing to correct the information that should have been removed from my profile and inaccurate information is still being reported.

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 2018-11-02
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: Account information incorrect

Complaint:
In XX/XX/2018, I submitted preliminary personal information to XXXX XXXX XXXX ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the XXXX XXXX XXXX website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my Experian credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at XXXX XXXX XXXX. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my Experian report. She stated that the bank 's tech team had determined that, having visited the XXXX XXXX XXXX site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the XXXX XXXX XXXX main website page ( at a different, earlier time ). 

At no point did XXXX XXXX XXXX note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the XXXX XXXX XXXX representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX : Acct # XXXX, XXXX, SYNCB : XXXX XXXX : ending in XXXX XXXX : ending XXXX XXXX XXXX XXXX ENDING IN XXXX In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 1 ). 602 ( A ). XXXX XXXX findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting.

2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. 

My name is XXXX XXXX all other names must be deleted from my report. Only one address should appear on my report and that is XXXX XXXX XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America gave me a fee for being over extended for a period of time, but I was n't over drawn for an over extended period of time. I contacted them and they agreed that I should have not been received that fee, but they could not remove it. I get paid on XXXX but they wont recognize the payment until Monday, even though its from their bank and they send it Thursday. I do n't make enough money to hand it away to a greedy bank who looks for ways to XXXX over its customers

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 2020-03-30
Company: SYNCHRONY FINANCIAL
State: PA
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:
[ Credit fraud ] To whom it may concern, Hello, I am writing this letter to get your advice about my situation. 

Several days ago, I got a credit report which dropped quite suddenly ( 35pt ). 

It was due to " Syncb/ Paypal '' which I don't know at all. 

I rarely use Paypal and didn't allow them to do a hard inquiry. 

Moreover, I found they charged m {$2200.00}! It's obvious fraud! 

Due to Covid19, I can't reach them. 

I'd appreciate your help. 

Best, 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This XXXX account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.

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 2023-07-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-10-13
Company: DISCOVER BANK
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On or around XX/XX/XXXX I send a letter to chase disputing account XXXX after disputing with the credit bureau in XX/XX/XXXX, and XX/XX/XXXX disputing this account. In which the credit bureau has not provided any documents in which I requested for physical documents since under fcra and fdcpa I have the right to request a copy of documents and a signed contract in my file. Credit bureau told me to contact chase in which I did sending them a dispute certified with return receipt in which I have and it was signed on XX/XX/XXXX by XXXX and I did n't receive anything and even checked my report to see if it was showing as disputes with chase and they failed to contact credit bureau making them aware of my dispute in which that is a violation of FCRA 623 ( a ) ( 3 ). Chase is supposed to report it and did n't. It says once a consumer disputes information, you may not report that information without telling the CRA that the information is in dispute. Also reporting outdated information under section 605. When I last contact chase stating I had no contract with them I was told this alleged debt was sold and they have no clue on who it was sold to and for me to contact credit bureau but nobody is reporting this charge off on my account but chase and the credit bureau told me I need to contact chase so they are both giving the back and forth I want this charge off removed from my report. Clearly chase is in violation of my rights according to FCRA and FDCPA. With failure to notify every CRA Involved that I disputed in which I have a copy of my letter and return receipt that chase signed but failed to report my dispute. Also submit corrected information to CRA subsequent to investigating my dispute. Also refrain from continuing to submit information that it knows or should know is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Army and Air Force Exchange Service
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Military Star has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-13
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i HAVE MAILED REQUESTS FOR VALIDATION AND NO RESPONSE WITH THE 30 DAYS PERMITTED.

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 2017-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a wire transfer on Saturday XX/XX/2017 for {$40000.00} through my account at Wells Fargo bank to an account owned by XXXX at XXXX for the purchase of XXXX cars. The transfer was done on Monday XX/XX/2017 because i initiated it on a weekend. After the wire transfer, i was suppose to get a shipping confirmation from XXXX, but to my surprise XXXX XXXX XXXX disappeared. Their phone were cut off, no email response nor text message response till date. After further investigation i found out they have done the same thing to so many people, a lot of people had lost so much money. I went to my bank at Wells Fargo on Tuesday XX/XX/2017 to file for a recall of my wire transfer and they should alert XXXX that XXXX are involved in wire fraud scheme as a note to my reason for my recall and i was giving a ref # XXXX and it will take 1-6 weeks to here from XXXX. I heard from Wells Fargo rep today XX/XX/2017 and said XXXX responded to my recall request saying they are waiting on XXXX to give them a YES before they can get the money out of their account. These people are fraud and they will never say YES. XXXX is dealing with a fraud company and are not acting appropriately to shut them down. My wife recently contacted XXXX acting like she was interested in a car and XXXX XXXX XXXX gave her the same XXXX account for her to wire transfer money for a car she shown interest on. XXXX are professional schemers and are really good in what they do. I really hope the bank can recover my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have recently been informed that there is negative information reported by Experian, for a " Bankruptcy. ''. I sent XXXX XXXX XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Experian did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.

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 2023-10-21
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi there! I'm restarting my student loan payment with Nelnet from great lakes. Last month in XXXX I created my account and saw the payment was not due until XXXX  XX/XX/2023. I went in XXXX  ( XX/XX/2023 ) to make my first payment and they locked me out of paying the loan until XXXX. They will not credit me until XXXX  XX/XX/2023. They said I'm late even though I'm days early. I don't get paid until XXXX they make it impossible to make a good faith repayment. Also they make it due on a day I can't pay. How is that fair? They apparently only process payments on business days but I made mine on XXXX  XX/XX/2023. Nelnet does not make it clear anywhere they only process payments on weekdays. I would have made arraignments to make a good faith payment before if I had known. Nelnet is purposely engaging in deceitful practices in order to get their customers to pay late fees. I'm worried this will hit my credit too. I tried to reach out but they make it impossible to do. I was never able to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Cascade CISS Holdings, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On or about XX/XX/2023, I notified XACTUS-CP fraud department of an unauthorized inquiry on my credit file. XACTUS-CP did not perform a proper investigation and negligently placed these unauthorized inquires on my account. I do not have any knowledge of who gave them permissible purpose, and they have not provided any evidence to the contrary. The only reasonable suspect is XACTUS-CP. Therefore, XACTUS-CP who's headquarters is located at XXXX XXXX XXXX XXXX XXXX MD XXXX did fraudulently AUTHORIZE AN INQUIRY TO BY ADDED ON MY CREDIT FILE WITHOUT MY PERMISSION and has a proximate causation for my pain and suffering. And should be recommended for criminal prosecution under the False Claims Act 31 U.S.C. 3729 - 3733 by the Attorney General. 

On or about XX/XX/2023, I notified XACTUS-CP/ XXXXXXXX XXXX  XXXX fraud department of an unauthorized inquiry on my credit file. XACTUS-CP/XXXX XXXX XXXX did not perform a proper investigation and negligently placed these unauthorized inquires on my account. I do not have any knowledge of who gave them permissible purpose, and they have not provided any evidence to the contrary. The only reasonable suspect is XACTUS-CP/XXXX XXXX XXXXXXXX. Therefore, XACTUS-CP/XXXX XXXX  XXXX who's headquarters is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, did fraudulently AUTHORIZE AN INQUIRY TO BY ADDED ON MY CREDIT FILE WITHOUT MY PERMISSION and has a proximate causation for my pain and suffering. And should be recommended for criminal prosecution under the False Claims Act 31 U.S.C. 3729 - 3733 by the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My balance was a positive and then they charged an overdraft fee

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 2023-04-29
Company: Finance of America Holdings LLC
State: OK
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I obtained a reverse mortgage back in XX/XX/2023. The contract that I signed says that the mortgage insurance will be paid from a escrow account. The company that I sat the reverse mortgage was XXXX XXXX XXXX  and they sold my account XXXX XXXX. The insurance company is XXXX. I had a tornado do a lot of damage to my house and now I am being told there is no insurance to cover the damages.

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