BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
We opened a non-profit savings and checking account with Bank of America at XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XX/XX/XXXX. We deposited {$200.00} in each account. However, starting in XX/XX/XXXX, the bank charged a {$5.00} monthly service fee to each account, causing the checking account to be wiped out and the savings account to only have {$20.00} left. On XX/XX/XXXX, {$5.00} was deducted from the savings account. Despite being a non-profit, we were informed by account representatives that the service fees were mandatory. We are filing a complaint to have the fees restored and the checking account refunded. In light of recent lawsuits filed by the US Department of Justice and Consumer Financial Protection Bureau, we feel our organization is being taken advantage of, similar to other Bank of America 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 explanation
Consumer complaint received 2020-06-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an XXXX XXXX XXXX XXXX and have been living in MD since XXXX when I arrived there on my first assignment. I purchased a home in XXXX, MD in XX/XX/XXXX just before the housing crisis. By XXXX, the market had completely crashed and I decided to move out of the area. I have owned the home for over 12 years hoping that the market would recover and I could sell, but it never did. Over the years I have lost a tremendous amount of money managing the home as a rental - losing money on rent, dealing with tenants who refuse to pay, break -ins XXXX damage to the property, crime etc ... recently I tried to list the home for short sale. However, due to market factors that are out of my hands this is not a viable option. I believe that returning the collateral back to the bank through cash for keys or deed in lieu of foreclosure is the only way to settle this matter. I did not make my XXXX payment as I was planning on starting this process with the bank. When I got paid on the XX/XX/XXXX, I transferred my money to a different banking institution. Despite the fact that I had a pending transaction and had shut off my payments to my mortgage, Navy Federal Credit Union took it upon itself to withdraw money from my account in an unauthorized transaction. I called the bank and disputed, but they refused to return the money. I received many harassing phone calls during the weeks I was delinquent and constantly reminded that I owed the money. On the XX/XX/XXXX, I went to the bank to communicate my intentions to give back my keys and return the collateral through one of the aforementioned programs. When I arrived, I was told that there were limited services due to COVID-19 policy and that they would not allow me to speak to an associate regarding a mortgage. I told her it was imperative that I speak to someone. She insisted that I disclose details of my issue in front of other customers waiting in line ( clearly a private matter ) and that " they don't resolve any mortgage issues at local branches ''. I was finally allowed in after calling the banks mortgage service from the parking lot. I have been in good standing with this mortgage for over a decade, but I feel that owning the home is no longer tenable due to the financial and emotional burden it has placed on me and my family. I am absolutely appalled by the banks general demeaner and attitude towards me and feel it is necessary to settle this matter before I retire from XX/XX/XXXX in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 

Specifically, I am disputing XXXX XXXX XXXX. I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 

I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report. 

Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.

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 2020-12-03
Company: KEYCORP
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: Account information incorrect

Complaint:
Key Bank is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked Key Bank to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. Key Bank simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, Key Bank contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get Key Bank to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from Key Bank, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Armstrong and Associates, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Armstrong and Associates, XXXX XXXX XXXX, XXXX AL, XXXX, ( XXXX ) XXXX on XX/XX/2023, stating that I owed {$40.00} in debt owed to XXXX XXXX XXXX. I spoke with the XXXX department XXXX XXXX XXXX XXXX ( XXXX ) XXXX at XXXX XXXX  Central Time on XX/XX/2023, and they had no record of any outstanding balance or debt being submitted from any account associated with me or my immediate family. I called Armstrong and Associates on XX/XX/2023 at approximately XXXX XXXX XXXX and spoke with XXXX XXXX to dispute the claim. She stated that she would verify with XXXX XXXX XXXX and get back to me. I requested she share the name of a contact at XXXX XXXX XXXX who could verify their claim if the debt was not dismissed. 
I received a second letter attempting to collect on XX/XX/2023 that claimed to enclose verification of the account and asked that I call a different number than before ( XXXX ) XXXX. However, nothing that was included could be verified with XXXX XXXX XXXX. I called the number requested and they insisted that XXXX XXXX XXXX submitted the debt to them, and they have re-verified it despite the fact that no one at XXXX XXXX XXXX will back their claim when I call. They demanded that I keep calling XXXX XXXX XXXX and re-dispute the claim with Armstrong and Associates. When I tried to get to the disputes department. They put me on hold for an extended period of time, then when someone finally picked up, she identified herself as XXXX, and told me she couldn't help me. 
I believe that Armstrong and Associates is deliberately and fraudulently making this process unduly difficult in order to create enough burden that I will pay a debt that the original provider says I do not owe to them.

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 2023-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is to dispute the baseless erroneous delinquencies reported to the credit bureau when the balloon mortgage I had with Citizens for 15 years matured, effective XX/XX/2022. Since filing two earlier disputes on this same issue, I have received additional information to support my contention that my account wasn't managed as it should have been once it matured, and I applied for a loan modification. Prior to the loan maturity date, I received XXXX letters reminding me of the maturity date and the options that were available to me to satisfy the balloon payment. The letters stated that the only payment Citizens would accept would be the balance of the balloon payment unless alternative arrangements had been made. The letters offered XXXX options. The option I chose was to apply for a loan modification. I timely submitted all required paperwork XX/XX/2022, and the modification was finally issued XX/XX/2022. The delay was due to citizens receiving a XXXX party valuation which was out of my control. While, the delay was pending, Citizens continued treat my account as if it were still active and sent me delinquency letters even though I tried to make the payments they said they would not accept, did not accept -- payments I tried to but were returned. I was also informed by Citizen employees that once I applied for a loan modification certain protocols should have been put in place but were not. The delinquencies were based on system generated letters not applicable to the true status of my account. Citizens has also stated that the delinquencies were based on my not paying the balloon in full. If this is the case, why did the 4 letters state that the balance was due unless an alternative arrangement was made and I timely applied for a loan modification as an alternative arrangement. Again, the delinquencies were based on a false narrative that my account was active, and I abruptly stopped making payments. In addition, as you will see in the attached documentation, the alleged delinquencies were based on the {$770.00} monthly payments on the mature loan for the 4 months my loan modification was pending, and not on my failure to pay the balloon on XX/XX/2022. They fail to acknowledge or even consider I made an alternative arrangement to satisfy the balloon payment and they did not accept the monthly payments, even returned the payments went on to state the payments were delinquent. I learned that once I applied for the modification, credit reporting should have been put on hold as they could not accept them, and records/documents should have been updated to show the true status of my account. Rather, my account was mismanaged, and Citizens continues to promote this false narrative that I did not pay this account for 4 months. ( Please see attached supportive documents. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: MARINER FINANCE, LLC
State: MD
Product: Credit reporting, credit repair services, 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:
XXXX XXXX and Mariner finance are reporting on XXXX. These accounts are old and need to be removed. Last pay for XXXX XXXX was XX/XX/XXXX and XX/XX/XXXX for Mariner Finance. Time elapsed and should be removed from credit bureau.

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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would like your help because someone committed fraud on my account and my bank does not want to help me and recognize this fraud. Two checks were deposited in my account and then three atm withdrawals were made somewhere in an atm at XXXX CA. I did not authorize this I didnt not deposited this checks nor did I withdrawal the money. I was at work in XXXX XXXX CA when this happened I had my card stolen I did not have it I did not authorize this. 
XX/XX/2023 ATM check deposit {$1000.00} ATM withdrawal {$500.00} XX/XX/2023 ATM check deposit {$1000.00} ATM withdrawal {$1000.00} XX/XX/2023 ATM withdrawal {$580.00} Chase bank did not approve this was fraud they mentioned it had to be someone close to me. I had my card stolen, even if it was someone close to me as chase said which there is no prove of and it could have been anyone who did this ; this is still considered fraud they did fraud on my account because this was never accepted by me. I do not know who did this I dont know where it even happened it was not me nor authorized by me and I believe chase bank needs to offer protection against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
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:
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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
( XXXX ) I reported a fraud to Capital One on Monday XX/XX/2023. They created an investigation case. There is a hard inquiry shown on my credit report. The hard inquiry happened on XX/XX/2023, and the capital one credit account was created on the same day. But I never applied for any card from Capital One. I received the credit card in my mail box. 

( XXXX ) I called Capital One XXXX Department today XX/XX/2023. The customer representative told me I have to wait for 90 days for the investigation result. And the investigation result may be delivered by mail or email. This is very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from IC Systems which is listed as a Collection Agency. They stated in their letter to me that the original creditor and CURRENT creditor to whom this debt is owed is XXXX XXXX. That is misleading by making me believe that I can not dispute the debt under the FDCPA since it is the original creditor trying to collect the debt. Except for the fact that this letter and communication is from IC Systems and the company website plainly states that it is a collection agency. Even if said collection agency is a subsidiary of XXXX, their sole purpose is collecting debts and can not mislead the consumer to believe that they are something that they are truly not. This is a clear violation of the FDCPA in the wording of the collection notice.

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 2023-03-31
Company: GLA Collection Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint about G.L.A Collection Company Inc. 
I spoke with a collector named XXXX XXXX on XX/XX/23 about account number XXXX. I asked specifically about how to dispute the debt with G.L.A, and XXXX told me to go back to the " original creditor ''. When I asked why I would go back to the " original creditor '' to dispute, he responded " because we work for them ''. This company has no interest in validating this debt as I directly requested, and did not provide any information on their process on how to have a debt validation performed. 

After my repeated requests for debt validation, XXXX XXXX hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: 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:
There is a fraudulent account on my credit report called XXXX XXXX  acct - XXXX I have contacted XXXX many times and they will not provide me with a contract, give me details as to what this account is, they will not tell me who opened it, and none of their information matches with me. I have told them several times to remove it from my credit report, but all they do is give me the run around. I NEVER OPENED UP anything with XXXX and they tell me is that they can not find me in their system. 

Since XXXX XXXX is not doing anything about it, I have tried to put in several disputes with Experian and they are not deleting this FRAUDULENT account. It does not make sense that this account remains on my credit when I DID NOT DO IT. it has taken a toll on my mental health and has caused my credit to suffer. I have even filed a police report and still NOTHING HAS CHANGED! Every time I dispute the account with Experian they say that the account is " VERIFIED '' but that is IMPOSSIBLE because I NEVER OPENED ANYTHING WITH STATEWIDE, and statewide themself say that they cant find me in their system!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
( Experian ) dropped my credit score 20 points without any reason. There is no unusual action happened to explain this big decrease for my credit score ( no late payment, no hard or soft inquiries ). This happened on XXXX. I called Experian customer service on the same day to help me understand why this drop happened. I called them on { XXXX ( XXXX ) XXXX }. At XXXX XXXX, i asked customer service representative to explain and she dont have a clear answer. She gaves me examples how to boost my credit score. But she didnt explain or answer my question about my credit score decreased. She asked me to find a financial advisor. And i asked here to fill complaint for my case. She puts me on hold and finally she told me she did and i will receive a confirmation email shortly. But till this time i am filling my complaint here I didnt receive any email confirming my complaint to Experian or even explain what happened with my credit score. My concern is to understand why my credit score dropped at least to avoid reapet this mistake ( if found ) in future. And if there is no reason for this decrease and it happened by mistake from Experian so i want to get back points i lost from my credit score. ( I attached here with my complaint a screen shots from my account on Experian showing that i did all my payment on time consistently for 16 months. And showing also how my credit score dropped by end of XXXX, XXXX points comparing with the month of XXXX. Considering there no hard/soft inquiries accured in this report period.

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