BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: UNITED BANKSHARES, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
See Prior Complaint XXXX, to which said bank was a party and is aware of all details. Subsequent to their response, on XX/XX/XXXX, I emailed the following to which I did not receive a response : Emailed the following recipients at the bank : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, I am writing to you in response to the second complaint I filed with the CFPB regarding well over {$100000.00} in CD funds that have gone missing. I have attached the complaint response from you. I called the generic number listed on the complaint and obtained your email address as I would like the process well documented. 

I have already sent all the information to XXXX XXXX, cc 'd on this email. She will have copies of the CDs, the bank slip deposits, account numbers, and social security information as it relates to my name as well as my sister 's ( whom I have also cc 'd on this email ). Please have XXXX send you the information as I do not want to forward this highly confidential information yet again. You can begin with a search on my name ; however, I assure you that if you find nothing for me, my sister will authorize that you conduct the same search on her. Note, my name is often spelled without the hypen so all searches should be done under XXXX XXXX and XXXX XXXX. 

I want to make something very clear. This has been a very stressful process, which I have repeated over and over and over again to so many banks and representatives that my head is spinning. This has endured for one year. If this matter is not resolved with an understanding of where these funds went, I will touch base with an attorney that has assisted my family in the past, and consider filing suit for not only the lost funds, but to recuperate any fees involved with legal action and the stress this matter has had on myself and my family. There are no words for how frustrated and angry I have become over this matter and I am at the point that I have decided this is my very last ditch effort to be civil in this matter. 

Please let me know if you have any questions and I will be awaiting your response. 

XXXX XXXX ********* This complaint serves to advise that XXXX XXXX nor XXXX XXXX responded in anyway to this email, and therefore his invitation in his attached response to contact him from the last complaint was baseless and not in good faith. His offering of a general bank number also suggests this. This complaint serves to advise I am contacting legal council as a result of this, as per my above email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank is being sued for illegally charging customers with over draft fees and credit card scams and etc im with Bank of America and I would like you guys to investigate my account because I believe I have been wrongly charged for months now

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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about 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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/23 I received an email from Bank of America asking me to view the terms of my new banking account. I never opened an acct with them and called to report the obvious scam. They assured me they would take care of it but I proceeded to receive emails about my new acct. Today I found out that BOA was opening fraudulent accts in peoples names and Id like to pursue action against 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 2020-03-28
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I ham having a difficult time getting my loan count to be proper for PSLF. 

I have called several times to the Fedloan Servicing over 10 times in the last several years trying to get my loan count for PSLF properly done. 

Prior to XX/XX/XXXX, my payment counts had been correct. After that, they had gone through a computer system change and it seems to have taken away payments before that had been previously counted. 

My last communications with them had been on XX/XX/XXXX - I spoke with the payment counts. They said that they would re-review it. Since then though, I have not gotten any change in the PSLF counts. 

By my count for all my payments between XX/XX/XXXX to XX/XX/XXXX, one of my loans should have at least 56 that are PSLF eligible and the other one should have 58 that are PSLF eligible counts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 creditor XXXX  ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

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.

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 2023-03-06
Company: Affirm Holdings, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While attempting to make a large purchase, it was brought to my attention a number of fraudulent accounts on my credit report. I have tried numerous times through disputes via XXXX  to resolve the matter and have gotten nowhere. 

Affirm Inc . 
XX/XX/XXXX, {$430.00} XX/XX/XXXX, {$260.00} XX/XX/XXXX, {$400.00} XX/XX/XXXX, {$63.00} XX/XX/XXXX, {$420.00} XX/XX/XXXX, {$13.00} XX/XX/XXXX, {$73.00} XX/XX/XXXX {$45.00} XX/XX/XXXX XXXX XXXX, {$100.00} XXXX XXXX XXXX XXXX$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a debt I owe to American Express but repeated phone calls to me five or more times per day is unacceptable. What is disturbing is that the company has my email, address and phone which are current and yet, still felt the need to contact my niece who lives in another state and leave a random message about my debt. I have contacted Amex several times via phone to tell them to not violate the laws and regulations in place but they continue to call and harrass me. Even though I still make payments the best I can each month, if not multiple times per month. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a TD Bank credit card account on the premise that, as a promotional offer, I would enjoy a 0 % APR on purchases for the first 15 billing cycles. 

To my surprise, TD Bank charged me interest expenses on my outstanding balance as of the second billing cycle. 

I called cusotmer service to understand the interest expenses charged to my account, and the customer representative told me that the promotional offer include a 0 % APR on balance transfers. However, the APR on purchases is 24 % .I received the promotion via regular mail, so I am not being able to show definitive proof of TD Bank 's fraudalent practices. 

Followign my conversation with the customer representative at TD Bannk, it seems that TD Bank is trying to attract customers by saliently promoting a 0 % APR, without being explicit about the fact that the promo does not apply to regular purchases. I recommend the CFPB to require financial institutions to more saliently detail their APR promos.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've reached out to " I.C. SYSTEMS '' and they aren't responding. Guess what? Neither is the original creditor, XXXX XXXX XXXX. Last I spoke to the representative, they stated they didn't have to answer to me because the debt was no longer there's - and to reach out to IC SYSTEMS INC. 

This is another fraudulent account. I did not open this account and have told the police that I'm certain a family member or someone who knows me opened this account. Unfortunately I can't prove who - but all I was sent was invoices. 

This isn't my account. I've informed creditors, collection agencies, and the bureaus. This account is the only one that remains! I am prepared to sue this collection agency.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX, I called TransUnion and spoke with an agent about the removal of inquiries I did not recognize on my credit report. She denied me customer service, would not help, and would not take care of the negative inquiries reported on my credit report. 

According to the Fair Credit Reporting Act, legally these unauthorized and unverified inquiries must be removed : 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 XXXXXX/XX/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 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 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*

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 2022-04-12
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
RMC of America has violated FDCPA 15 USC 1692.

CHECK BELOW FOR ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is in regards to the 10-year loan forgiveness for those in low-paying service jobs, such as social workers. I am alarmed to see in the news that only 1 % of those holding this type of loan are granted loan forgiveness at the end of 10 years, in spite of working in a non-profit and faithfully paying on the loan. Also, when calling with questions, you get conflicting information depending on the agent. Also, when an agent suggested combining two loans into one, there was nothing said that three years of work in a non-profit didn't count because combining the loans reset the clock and the 10 year period started again at year one. Now instead of 10 years the requirement is 13. 

This is an egregious breaking of a contract taken in faith with the government. What is the CFPB doing to correct this situation and will it come to the aid of all those being turned down?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received an alert from XXXX on XX/XX/XXXX for an inquiry for a personal loan that I didnt authorize. I immediately called XXXX and placed a fraud alert on my credit report and disputed the inquiry and others that were not authorized. I was told by XXXX to contact the other bureaus which I did. On XX/XX/XXXX I contacted TransUnion and alerted them about someone trying to access credit in my name. I then was told by the representative that a dispute had been open for several inquiries that are on my report. I explained that all inquiries that are not attached to credit on my report are fraudulent. The following inquiries I were told were under dispute : XXXX XXXX XXXX XXXX Of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I chatted with TransUnion online today XX/XX/2022 at which time I was told that although the rep had added the fraud alert she never opened the dispute and have no way of doing so. Ive contacted each creditor on XX/XX/2022 to explain I never applied for credit and asked for the removal of the inquiries which as of yet I havent received receive any confirmation that they would. My issue is with TransUnion. I was told that the inquiries would be disputed and removed now another rep is stating its impossible without the companies whom these fraudulent apps for credit sending them documents for removal. Id like these inquiries removed immediately and a confirmation that my report is indeed frozen from potentially fraudulent activity.

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 2018-09-01
Company: Experian Information Solutions Inc.
State: MA
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:
All three credit agencies are showing way off differences. I was using XXXX XXXX  to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Westlake Services, LLC
State: AZ
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 took out a auto loan with Westlake financial. The loan was paid in full XX/XX/18. Over 90 days later, the loan still shows that I owe over 4,400 on the loan. I have contacted Westlake numberous times without any success. Westlake has send me the pink slip showing the auto is paid in full, but will not remove it from my credit report.

Company response to consumer: Closed with explanation