BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
15 year customer with Bank of America, past three years have been problematic Online notifications not working, causing overdrawn fees, only getting paid 11 months out of the year as a teacher and getting charged a maintenance fee since no autodeposit in XXXX every year. 
When called to speak to customer service always had to escalate to a supervisor Was told my account was flagged and blocked for any credits by numerous representatives the last few years. 
When I tried to close my savings and checking account by transferring money out I was immediately ( within 24 hours ) charged a monthly maintenance fee even tho the minimum balance {$300.00}, was in the account until the XXXX of the month and I called to close my account on the XXXX. 
The account was fully compliant for 12 out of the 15 days for this month. 
I was not able to close this account since there is a negative balance. 
Again after speaking to a supervisor no credit or proper solution was offered Its a {$5.00} charge. 
I was told that if I didnt pay the negative balance that it would go to collections

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 2023-06-22
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-05-01
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:
Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( XXXX, Experian & XXXX ) about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information

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 2020-04-22
Company: EQUIFAX, INC.
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:
Credit Inquiry on XX/XX/2019 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX This is fraud and I have requested that Equifax remove this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Southwest Credit Systems, L.P.
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:
Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, SOUTHWEST CREDIT SYSTEMS I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. SOUTHWEST CREDIT SYSTEMS has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore SOUTHWEST CREDIT SYSTEMS has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the XXXX XXXX. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( XXXX, XXXX & Transunion ) about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information

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 2021-05-02
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The issue that I am having is such ; the credit reporting agencies claim that I owe for three loans that they claim were issued in XXXX but I only got one loan for one semester. I only attended XXXX one semester but there are three loans and I qualified for a Stafford grant then so that paid for a percentage close to XXXX XXXX XXXX. That's XXXX near one semester so why does the loan company day I owe for three more loans totaling almost XXXX XXXX? When I was in XXXX  I filed a credit report and noticed that in XXXX they reported my loan was forgiven and since XXXX was involved in the loan scam I believe it was forgiven but as soon as I got released from XXXX  a few months later in XXXX someone got three loans they say I owe for now but they are saying it's still from XXXX but I am certain they said I owed nothing in XXXX. Could you please help me with this issue? They refuse to forgive it and I've only had one loan and when I took as semester break I was charged and sent to XXXX  so I never got to complete college. It's my first loan and I don't know why I don't qualify for forgiveness if worst things the loans are they original loans. And if they are why were they removed and then put back? And why does the credit collection companies buy debt that I still owe to the courthouse or county for court costs? Why do they keep selling it to other companies before it can arrange payment plans?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Convergys
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This letter constitutes a formal complaint against Encore Receivable Management Inc. for intent to report inaccurate and incomplete information on my credit report on any bureau. While I do take under consideration that mistakes happen, inaccurate information could cost me higher interest rates as a result of their negligence. Encore does not have my permission to advertise against me on any credit bureau organization. 

Furthermore, I hereby deny consent for you ( Encore Receivable Management Inc. ) to contact me in any manner other than by certified letters to my address. Do not call, email, text message, visit my home or contact any of my friends, neighbors, co-workers or family members in an attempt to acquire any type of information on my person. I am also demanding that you delete my account from your records within the next 30 days as I do not have a contract with you. The FCRA requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you ( Encore Receivable Management Inc. ) can provide a copy of a credit application authorizing the disclosure of my credit files with my wet signature on it, only then will I accept your inquiry. Otherwise you will have to remove any negative remarks made on my credit files. 

This dispute letter is being sent in the allotted 30-day timeframe as specified in your initial contact letter. You now have 30 days to comply with your proof of claim and gather any evidence, including any signed wet signature contracts between both parties and/or any court order expedited against me. You must present me with certified copies of each ( if any ) of those documents exist. If you do not contact me within the next 30 days I will assume all my demands have been met. Should there be any questions on procedure please refer to the Fair Credit Reporting Act. 

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 611 - 15 U.S.C. 1681i Please mail me a copy of the signed application/letter indicating your intent in removing any negative remarks on my credit within 30 days. 

Thank you for your prompt response on resolving this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, 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:
XX/XX/2018 I submitted at letter to Kohls/Capone regarding an inquiry on my XXXX  Credit Report. I do not recall authorizing to get an account with their company Kohls/Capone Date : XX/XX/2018. I called an spoken with someone from Kohls/Capone XX/XX/2018 and that person stated that its no way they can remove it from my XXXX Credit File. I then disagreed with the company due to it being in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: NC
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:
The Credit Bureaus stated that my XXXX XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

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 2023-06-07
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Since my previous complaint has been closed by both you and Klarna, I suppose I need to open a new complaint regarding my 2nd account with Klarna. 

I just sent an email with this message to Klarna.. I have not received the XXXX monthly statement for XXXXXXXX XXXX  payment so far. it has NEVER been this late before, I have ALWAYS received it on the 2nd of the month. Seems like you are st Ill jerking me around. When can I expect my XXXX monthly statement for XXXXXXXX XXXX While the original complaint seems to be answered, now I have a complaint related to my other payment account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I need some serious help. I have worked in non-profits and government for 15 years. I submitted my application for PSFL in XX/XX/XXXX via USPS. Mohela lost the first page of my paperwork- the page with my signature, and demographics. I called them in XXXX to see the status of my application to be told that the paperwork was not there- but I could submit my signature electronically. I did. I signed the first page and uploaded it to the website. Radio Silence from Mohela again- I call in XXXX to be told we don't except that type of electronic signature ( even though they told me to sign it electronically ). I then resubmitted my signed paperwork via email by tagging a supervisor directly in my email subject on XX/XX/XXXX at XXXX XXXX They lost that paperwork too. I am waiting to speak to a supervisor but the entry-level guy told me I was never instructed to email paperwork. Then how did I get the supervisor 's employee id? 
This has been XXXX trying to get my paperwork processed by Mohela. I submitted my paperwork in XX/XX/XXXX and it is now XX/XX/XXXX and they are still giving me the run around. Please help me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account for no reason and will not help me with getting it back up and going, i am not sure if this a same mistake as i assume it has to be. i have not been able to get help them from months but i just remembered i could file a support on here as i feel theyre not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I check my credit report and I notice there was some fraudulent account on my credit report. These companies violated my rights. How can a company furnish account on my report without notify me. that's a direct violation of the FCRA.

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 2023-11-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card expires in XX/XX/2023 and Im trying to pay my XXXX bill in the month of XXXX and the bank told me that I need to activate a new card before it will allow me to pay my bill electronically

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Several weeks ago, I learned that Citibank locks some customers out of their accounts and refuses to release their money even if they show up with an ID. Citibank has procedures that will lock you out of all your accounts without consultation and will bar you from regaining access to your funds for 30-60 days, even if you show up in person with ID. My first notice wasn't a text or email alerting me to fraud. It was an email announcing that my account that I just opened and never used user than for depositing checks was blocked, immediately, and would automatically close, XXXX had no access to the {$2100.00} that had accumulated in my Citi Account. I phoned every number possible and all I get is Non-US based customer service representatives that I can hardly understand. They tell me the account was referred for closure on XX/XX/2022 and that it would take 30-60 days to conclude review. When I opened the account I transferred over {$100.00} then I deposited checks on XXXX ( {$800.00} ) and XXXX ( {$1200.00} ). Citibank took credit from these checks and I verified with issuing banks. This is a predatory business practice. Especially for people who live check to check. I am behind on rent because I can't access my {$2100.00} from that Citibank account. I never even used the card for any transactions so I don't understand how I could've even violated any terms. We are sitting on day 46 out of their apparent " XXXX '' day max review period and I haven't received a single answer from bank in regards to my questions.

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 2023-06-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I've been making payments to Synchrony Bank by phone. I have not been getting any mail from them. I usually pay {$170.00}. But in XXXX on the XXXX I called to make a payment and was told instead of the {$490.00} I owed it could be {$1000.00} in interest I have never been told about. I asked her what she was talking about but was told if I could make a payment of {$240.00} and the rest on the XXXX of XXXX no interest would be charged. 
I called just before the end of XXXX and talked to a different person i made a {$100.00} extra payment. On the eighth of XXXX I will call in {$120.00}. I am concerned that i was lied to and now they are going to charge me with an interest I never was told about. I would appreciate help toXXXX make sure I am not charged that extra money and my payment closes the account.

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 2018-08-08
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have three accounts with PNC and on XX/XX/18 I return from XXXX. We had money in our main joint account when checked on mobile banking app. At no point did it say I was overdrawn. If so we had additional money in another account. At about XXXX and email came to my inbox saying we was overdrawn my husband check account and we had already been charged XXXXfees for ATM FEES WHEN TRAVELING. We get the ATM fees back at end of month. Went in to downtown branch on XX/XX/18 and was told the same thing fees came from ATM charges and was told would be forwarded up to be reviewed. Was called back on XX/XX/18 and was told fees couldnt be refunded. We are never over on our account this is our second vacation and the first time the same thing happened and fees was refunded. We didnt get timeframe to transfer funds before charged. I dont feel like this is fair.

Company response to consumer: Closed with monetary relief