BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to formally lodge a complaint against Bank of America regarding an issue I have encountered with my account. I have diligently paid my monthly payments on time, but to my dismay, I have been charged an unreasonable amount of {$250.00} as interest charges and an additional {$39.00} as a late fee for payment due. 
I reached out to Bank of America 's customer service department via phone, and I spoke to manager XXXX XXXX on XX/XX/2023 to address this matter. During the conversation, I explained the situation and expressed my concern about the exorbitant charges that were levied on my account. I kindly requested for the fees be waived, given my track record of consistent and timely payments. However, to my surprise, the customer service representative declined my request and refused to consider waiving the fees. 
I believe that the charges imposed on my account end with ( last XXXX digit XXXX ) are unjustified and not reflective of the responsible financial behavior I have maintained. The interest charges and late fee are not only excessive but also seem to contradict the principles of fair banking practices and customer relations. As a loyal customer who values transparency and integrity, I am disappointed by the bank 's response and lack of willingness to accommodate my legitimate concerns. 
I kindly request your intervention in this matter. I trust that the ( CFPB ) is committed to upholding fair banking practices and ensuring that consumers are treated fairly. 

Thank you for your attention to this matter! 

Best regards 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 monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, 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:
XXXX is incorrectly reporting this account. The account has been paid in full and accepted by XXXX. This account needs to be updated to reflect paid in full to reflect accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

1. XXXX XXXX Account number # XXXX 2. XXXX  XXXX Account number # XXXX 3. XXXX  XXXX Account number XXXX 4. XXXXXXXX XXXX Account number XXXX 5. XXXX XXXX XXXX XXXX Account number XXXX 6. XXXX XXXX XXXX XXXX XXXX Account number 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 2017-02-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/XXXX just prior to graduating, I consolidated my loans and my Federal Loan was locked in at 3.75 % APR. XXXX was my loan provider. At some point, they switched to XXXX and somewhere between XXXX XXXX and XXXX, my APR went up to 4.75 % which was not supposed to happen since I was locked in at 3.75 %. I enrolled in a Loan Forgiveness Program and my loan was taken over by FedLoan. I requested a forbearance for the XX/XX/XXXX payment, which was approved. I was informed that if I paid the interest while in forbearance, it would not be capitalized. I paid the accrued {$53.00} interest charge on XX/XX/XXXX ; I again paid the accrued {$5.00} interest charge on XX/XX/XXXX. These payments were interest payments and should not have gone towards the principle since I was still in forbearance. Now just 24 days later, My accrued interest charge is {$42.00}. There is something wrong here and I think I am being charged way more interest than the 4.75 % that I am locked into. I complete an employment verification form annually, which determines my monthly payments. I am requesting an investigation into this company 's interest rates policy and also an investigation as to why my 3.75 % lock in rate was changed to 4.75 %. I have attached documents pertaining to complaint in hopes that this will assist you in understanding my case. If you need further information, please contact me at the phone number and/or email given. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of 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 explanation
Consumer complaint received 2023-06-29
Company: Self Financial Inc.
State: AR
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 have been disputing SELF/LEAD ACCOUNT for over a year. I have been disputing inaccurate information and telling the credit bureaus that the information is inaccurate and misleading. My credit score has dropped XXXX point since this account is mishandling my credit report. I have tried over a year or so to contact the company and resolve this issue. I have also sent this company emails which they never respond. Also this account has been in violation of re-aging, all XXXX credit bureaus are reporting different and inaccurate dates as date opened, date of last active, date of last activity, date of last reported, payment status and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to XXXX XXXX 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/XXXX, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/XXXX informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against XXXX XXXX for clear and apparent negligence, FCRA violations, and the mental anguish caused by the serious financial problems and distress resulting from these inaccuracies.

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 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
ON XX/XX/2023, bank of America has closed my bank account. I still had XXXX $ remaining inside the bank account that has not been returned to me after they closed my account. They told me they were going to do investigation to decide whether my money was obtained through fraudulent activity. I complied with this investigation and send them documents of my money source, my XXXX transaction records, my currency exchange details with the third party who send me money. 

This investigation lasted for 3 months, until XX/XX/2023, today, Bank of America send me an email, said they found my money were obtained through fraudulent activity and they refused to return me my money. In this email, they did not said how did they reach this decision, and how are they going to deal with this XXXX $ if they are not going to return it back to me. And if they determined this is fraud, who was the person XXXX fraud? Who is the victim? I ask these question because I know it is not a fraud and I can provide them documentations to prove that, but I don't know whether they considered it or not. 

In fact, it was money send through wire transfer from my parents in XXXX, in XXXX currency. I was exchanging this currency with another student I knew from school. And each time I send him XXXX currency, he XXXX  me dollars through online banking. We went on multiple transactions back and forth like that and the total amount is about approximately {$10000.00}. I don't know how can this activity be decided as fraudulent and I need that money from my parents to support my own life as an international student. 

They are looking like they just going to take money from my bank account using their authority.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: CT
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX 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 2023-10-26
Company: Experian Information Solutions Inc.
State: OH
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:
I did authorize any of these credit people to pull my credit report. My name is spelled incorrect also and the address used as not my address.

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 2023-09-06
Company: EQUIFAX, INC.
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not confident that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on LJ ROSS ( Original Creditor : 08 XXXX XXXX ). Please change the status to Paid or simply " Remove '' the accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : LJ ROSS ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$370.00} ; LJ ROSS ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$240.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: CA
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 have disputed a department of veteran affairs account with Experian about inaccurate balance and improper payment status and they have consistently refused to update and/or remove this account. The original balance on my experian credit report states {$910.00}. The actual original balance was {$41.00}. This account was paid in full in XX/XX/XXXX yet experian gave me a negative payment status in XXXX of XXXX. I have contacted the Department of Veteran Affairs Debt Management Center and have verified this information and have received a letter stating these inaccuracies yet this account has never been corrected.

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 2021-11-08
Company: ACIMA CREDIT, LLC
State: NY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if I cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNVFUNDG XXXX Balance Owed : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account name : XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX, this account is reporting inaccuracy that's hindering me and not only that i was never 30 days late. Reporting illegal information 15usc1666b BILLING error!, XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX This account is outdated and reporting inaccurate information thats not valid please remove this account and negative remarks. XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX Reporting billing errors! An inaccurate reporting account needs attention please block and stop reporting late payments on the account. There are also fraudulent hard inquiries on my report without my consent and i want them removed immediately. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, ABS XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},

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 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I ordered a secured credit card back in XXXX of 2020 and never recieved the card, I tried to reorder but due to my phone number having changed they could not verify me. So i went to order a new license from oklahoma state. The wait is 6-15 weeks for a driver 's license to be mailed. My DL was never received so i denounced my DL to obtain an AR ID. Now Capital one is denying me access still even though I stated my information had updated and i was trying to reorder my card i never received, please help.

Company response to consumer: Closed with explanation