BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
On XX/XX/2021 I had closed Bank of America IRA Account XXXX  XXXX XXXX  XXXX and moved the funds to a brokerage account. The balance was {$7000.00} and month interest was {$0.00} for a total {$0.00} for eight months. I understand interest rates are low and do not fault the bank forfeiting the {$0.00} cents because the maturity interest period was not complete. I do fault the bank for having the funds on deposit for over 15 years and changing Fee Rules after the initial deposit. The position they hold is XXXX cents inters or {$50.00} fee, with out making it know to the consumer. A no win situation for the customer. 

The issue I feel is the Trustee Transfer fee of {$50.00} for one transaction. The fee verses the interest rate is unrealistic. I called the bank and the were sorry for low interest rates, forfeiture of interest and sorry for the fee, but nothing they could do to change the fee. 
I am sorry to complaint about this usury bank fee, to close an account. I made attempts to find these rules posted and I was told they are listed on Bank of America website and to search for the agreement. 
I had the money in the IRA for years and this was not part of the agreement. I can see how Bank of America doubled they profits this quarter. The charge fees on simple transaction of closing an account. 

Please let me know what action I can take to recover the Trustee Transfer fee of {$50.00}, which was another name for closing an 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now I have not contacted through phone call on any date or During the date before or after XX/XX/2023, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..

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 2020-08-03
Company: CAINE & WEINER COMPANY, 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 status incorrect

Complaint:
Account Number : XXXX Paid in FULL ON XX/XX/2020 AMOUNT PAID : $ XXXX {$6.00} ( fee ) = {$170.00} Requested to be removed from my credit report. 
The company 's site still shows a balance. 

I have contacted Caine & Weiner Collection agency and they refuse to show proof that the credit agency was notified of my XXXX  ( XXXX ) balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Finance of America Holdings LLC
State: RI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today on XXXX XXXX, per XXXX, my score dropped XXXX points due to a Missed Payment listed by XXXX XXXX XXXX. I have no contract with them or their d/b/a XXXX XXXX. I have asked for validation and verification of debt. I have asked for a Request of XXXX per the FDCPA. All they can send me is a statement of account and a copy of my note and mortgage which they are nowhere to be found in my paperwork. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Per Credit Karma it states that my account with XXXX XXXX  XXXX began on XX/XX/XXXX. I don't know how that is possible when it was FINANCE OF AMERICA MORTGAGE. Who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX  XXXX. The only one I have a contract with is FINANCE OF AMERICA MORTGAGE. They are not able to produce any wet ink contract between myself and XXXX XXXX  XXXX. THEY ARE IN COMPLETE AND TOTAL VIOLATION OF ALL APPLICABLE CODES UNDER TITLE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On XX/XX/2020, Bank of America report a late payment delinquent in my fico score. Due to the change of the minimum amount, I was paying less than the new minimum amount. I did not received any emails or calls notifying me about the issue. I got an alert from XXXX saying I have a delinquent showing in my fico score. I gave BOA a call and they told me that if I can get my account to current, then they will submit a request to remove the delinquent. I payoff the account and my account is current, but BOA did not remove the delinquent from me fico score. I tried to call BOA and XXXX multiple times and they keep telling me to go back and forth between them. Now, XX/XX/2020 and still nothing is done and they keep shifting the blame between them and no one is doing anything. They like to play games but I don't.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive made extensive efforts to have inaccurate information to be removed from my credit report. This includes inaccurate phone numbers, names, social security number and addresses. Ive sent Experian a copy of my FTC report they fixed most of the issues except the wrong addresses. Ive made phone calls, sent multiple letters to address this issue. I plan on taking legal action against Experian damaging my reputation and financial status.

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 2023-02-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Case Number : XXXX Please see attached letter for complete details Barclays has not offered me a plausible way to continue to pay my monthly statement minimum that will not keep adding more and more to my balance because of rising interest throughout XXXX XXXX into XXXX. 

I'm able to pay more than my monthly statement minimum, however paying down the total balance is becoming increasingly difficult because I'm unable to work as much due to lower energy from long covid last year. 

I've been completely responsible in trying to pay my bill and discuss this with Barclays starting at the beginning of XX/XX/XXXX XXXX 

They offered me lower minimum payments which is ridiculous because my minimum is only {$39.00}. I can pay that. That's not the issue. My goal is to pay this balance off. With such high interest rates occurring during XXXX and continuing, my goal is becoming beyond reach. 

I was also told that I could allow my account to lapse into Collections and not receive interest. Going to Collections would lower my Credit Score. Also, as soon as I " catch up '' in collections to the " lapsed payments, '' they move my account right back into being a regular account and start charging interest again. 

It seems that Barclays isn't willing to change anything to help me in any way re : their greedy policies. It feels like Senior Abuse because no one is willing to listen and understand my situation.

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 2022-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is about the charge by XXXX XXXX XXXX  On XX/XX/2022 Transaction ID : XXXX - {$500.00} XXXX USD The travel company did not reserve a room with my legal name and I was not able to use the service/reservation as described. I asked them to correct the name many times but the travel company didn't. I had to make another transaction and pay the similar amount to reserve a hotel room. XXXX from the hotel offered a verbal authorization on the refund. But I was never given a refund. Since the XXXX did not provide the service as described and I was not able to use the service by their mistake, I would like a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have already sent a letter to the Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.

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 2023-03-30
Company: Chime Financial Inc
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I ordered a phone from XXXX XXXX it was suppose to be next day delivery I never received it so I called the merchant and they told me they don't operate on weekends so they said that it would take 4 days longer so they canceled it because they couldn't refund just the overnight fee i have been constantly trying to resolve the situation the merchant says they have sent it back to Chime i have called multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Skopos Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My loan thru Skopos was a few months behind due to sickness ( possibly XXXX  ) they accused me of having 3 returned payments which is impossible. They repoed my XXXX  XXXX XXXX  on during the social distancing, covid pandemic.. they have been unable to work with me although i am not able 2 work at the time however i need my car in order to take care of my sick elderly relatives

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 2023-01-27
Company: EQUIFAX, INC.
State: NC
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 sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible

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 2023-01-17
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited my Check to chase on XX/XX/XXXX. 
And XXXX year ( XX/XX/XXXX ) later, Someone took the same check to XXXX and cashed it out. 
and XXXX overdraft my account and paid the other person. 

The check should be good for 180 days. I don't know why chase still let this happen. Why do I have to pay for the mistake then XXXX made? 

The XXXX XXXX keeps calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: LDF Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am senior citizen and I have a XXXX XXXX, XXXX  XXXX. Also currently receiving XXXXXXXX XXXX XXXX where I was advised not to sign any documentation currently. I was desperate and needed a small loan to get by until my next XXXX check. I contacted Amplify funding and borrowed only {$500.00} not knowing my interest rate. They went so fast and kept telling me to sign page after page without explaining my interest rate. They are now going to take {$170.00} on the XXXX of every month for one year and I will end up paying them over {$2000.00} for a {$500.00} loan. I know I have my responsibilities but nothing was explained to me and I can not afford to pay over {$2000.00} and have {$170.00} taken out monthly. I felt I was rushed and taken advantage of. I plan to pay back what I borrowed but as a senior on XXXX I can not make these payments. I was rushed through the process and not explained anything about my interest rate. I was shocked to find out how much I had to pay back. Please help me and tell me what my options are. I plan to close my back account but also have every intention on paying back what I borrowed but not at the outrageous interest rate. I can't pay it. What are my options? I'm in the process of getting a case manager to help me with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: NAVY FEDERAL CREDIT UNION
State: AL
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  Accounts # XXXX ; # XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 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 a late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My ATM card has been deactivated on the same day it was activated back after a few transactions. My husband was there helping me out trying to activate my card back. Today XXXX of XXXX, my husband told me both of his cards were deactivated as well by USAA. So he called and got his cards to reactivate back, I also was talking to the representative and raised some concerns about how my card was deactivated by their system on the same day it was activated. I was finished talking to her, she hung up on me and before she hangs up she did confirm that they will turn my ATM card back on. To me, this is very back customer service and I was very frustrated with how they emotionally abuse their customers. I got mad and I transferred some of my funds at XXXX XXXX and still, they are holding these funds against me. 
I am a XXXX XXXX and these activities took place after I received my funds from XXXX XXXX XXXX XXXX I do not have a job in the meantime this is my only source of income. 
I can not use my atm card and I can not log in to their bank system. I am reaching out to other authorities for help because this is XXXX 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 2023-01-17
Company: MORGAN STANLEY & CO. LLC
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Etrade has now prevented access to my money for a week. They keep having me jump through hoops to access my funds which they were more than happy to transfer in. They keep restricting my account and telling me I have to verify things ( which were already verified ). I do what they ask and waste literally days of my time doing things after they already gladly took my money. Each time they tell me everything is resolved and the restriction is removed, but then they restrict my account again and tell me to do the same things once again which they already told me were satisfied ( which were clearly satisfied even before the restriction seeing as they were more than happy to transfer in my money ). This is beyond absurd, entirely unacceptable, and undoubtedly against the law. They must me held accountable and punished to the fully extent.

Company response to consumer: Closed with explanation