BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TN
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2020-07-27
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account XXXX This letter is to confirm that the account referenced below has been satisfied in full. No further balance is due on this account. 

Reference Number : XXXX Creditor : XXXX XXXX Date : XXXX This communication is from a debt collector. The purpose of this notice is to collect a debt and any information obtained will be used for that purpose. 

If you have any questions, please contact our office at XXXX between the hours of XXXX XXXX. to XXXX XXXX Tuesday through Thurday and XXXX XXXX. to XXXX XXXX. Friday through Monday Pacific Standard Time. You can also reply to this message at 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 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of america EDD card. A XXXX attack of XXXX of XXXX fraudulent charges against my account resulted in loss of {$3400.00} This happened XX/XX/XXXX and XX/XX/XXXX XXXX. 

BofA said the claim must be processed in small batches. Over the next few months i received literally XXXX of letters detailing random claim amounts. I have spent hours on the phone trying to resolve. Eventually I managed to get {$3000.00} back in XXXX and then {$170.00} on XXXX and i charged {$15.00} to the card. This leaves me missing {$210.00}. I had one CS rep who spent 2.5 hours with me on the phone and added up and agreed and resubmitted. But then they re did the claim and erroneously paid me {$450.00} but reversed payment before i could claim any of it. 

The process they are using to audit the transactions is clearly flawed. The customer service reps say there is no complaint procedure. All they can do is put the whole thing back in the system which may take months. 

Why cant someone do what i have done and compare deposit, fraud and my withdrawals to see i am owed money still. 

Beyond frustrated. I get nowhere talking to customer service. I end up shouting at them which is frustrating. Today another XXXX hour call and supposedly a request has been submitted to reaudit my claim but i have zero confidence. 

Hoping this service can help as it feels like I will never get this resolved through the bank

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  XXXX  XXXX ( FINANCE ) XXXX XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX, XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX  {$1000.00} XX/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 {$1500.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX Act, XXXX XXXX Account # XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NY
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 Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Within a short span of time ( e.g., between 3 to 4 months ), I have had the following accounts either closed ( or credit lines significantly lowered ) by the creditor : CARECREDIT, XXXX, XXXX, and JCPenney, just to name a few, which has subsequently caused my credit score to  plummet! 

It has now become apparent that I need to address the root cause the problem of my falling FICO score, which is XXXX XXXX and the almost ceremonial approach the bank has used in the closing of my credit accounts ; all of which were in good standing! Everyone knows that the closing of a credit account is NOT recommend by the consumer, let alone the creditor ( especially if the accounts are in good standing ), as this can have a devastating effect on a consumers credit score and FICO. 

Nevertheless, XXXX XXXX appears to have done this, with no consideration being made with regards to the devastating effects this could have on the consumers financial overall financial health, which can cause the consumer to lose out on obtaining favorable rates on home financing, auto loans, signature loans, and a host of other important financial products. Further, requiring that the consumer reapply for credit under these circumstances seems grossly unfair and does not appear to reflect best business practices. 

Incidentally, after reading all the complaints filed on Consumer Reports, FTC, as well as on the XXXX XXXX XXXX online forums ( just to name a few ), it is apparent that HUNDREDS ( if not THOUSANDS ) of consumers are either currently experiencing or have in the past experienced the same exact problem with XXXX XXXX that I am addressing in this complaint. This problem is so disturbing, it suggests that it may be necessary that federal regulators step in, to provide better control over this large financial entity ( that seems to have a monopoly over several consumer retail credit cards ) in order to better protect consumers from financial ruin by artificially causing their credit scores to plummet as a result of these successive credit account closings ( and I repeat, on accounts that are in good standing )!

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 2023-07-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I contacted Well 's Fargo ( my then bank ), and advised them that there was a fraudulent charge on my account that came through on my debit card in the amount of {$2400.00} From a company called XXXX XXXX I advised Well 's Fargo that I already contacted them and was told I had to contact my financial institution. I filed a fraud claim in which they shut down my card and gave me a temp credit for the charged amount. on XX/XX/XXXX, I missed a call from Wells Fargo and returned the call. At that time I was notified that the completed an investigation and determined that the charge was valid. I asked how did they make that determination? I was told based off the evidence sent over from the merchant XXXX XXXX XXXX. I then said well since I did not make this charge, what was the evidence and I would like a copy of the " evidence '' that was submitted. I was then told that they could not send me a copy of the evidence due to " security reason ''. I explained how that made no sense and I did not understand that as it is a fraud claim on MY account and they are saying it is valid. So I should be able to see the evidence they are claiming that proves I did a transaction that I did not do. She apologized and stated that credit would be reversed by the end of that month ( XXXX ). They did this on XX/XX/XXXX which placed my account in the negative for an amount of - {$2500.00}. After this they closed my account ending in XXXX on XX/XX/XXXX with a final balance of - {$880.00}. There was a credit that was placed on my account in the amount of {$1600.00} from XXXX XXXX XXXX. They then advised me that the account and the balance will be placed with XXXX XXXX. 

I have a serious problem and several complaints with this entire ordeal. Well 's Fargo with their deceptive and unscrupulous business practices per usual are at play here. First I want this matter investigated to find out why so may inconsistences with the final amount of my account. I also would still like to see the supposed evidence that they have that proves the charge was valid. I then would like to know if the charge was valid, why would they credit my account again in the amount of {$1600.00}. I also need to know the justification of closing my account and charging me a balance along with reporting to 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 2022-04-18
Company: EQUIFAX, INC.
State: MI
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  XXXX  XXXX ( FINANCE ) XXXX XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX, XXXX XXXX XXXX ( AUTO XXXX XXXX XXXX  XXXX  {$1000.00} XX/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 {$1500.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX, 15 U.S.SC 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 explanation
Consumer complaint received 2022-12-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent email to XXXX explaining that i was at work and my cellphone service was not working properly. I informed them by phone as well as email not to respond to or communicate back or reach out to me from that address as it is my work email address and i am not to receive messages from them. Although i do not accept responsibility for the debt, they have a phone number or address on file provided by the original company should they need to reach out. I still received emails from that email address. Thye have made me feel bullied into paying by telling me they are going to report it to the credit agency on XX/XX/22 making me feel pressured to pay a debt before i can dispute it. They also have reported conflicting information. Example, they stated that they were informed by the original debtor that an exit inspection was not completed because the key was not returned. It does not state that anywhere in the paperwork we signed we intended on moving out. Also, we have no knowledge of the claim/damages being charged.

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 2016-04-09
Company: GREAT LAKES
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
By XX/XX/XXXX, I had XXXX student loans that amounted to {$30000.00}. XXXX serviced the loan. I was a single mother and was n't gainfully employed but made {$50.00} payments in the loans. The interest rates in Pell grant 3 %, Perkins 5 %, stafford 5-8 %, supplemental student loan 12 %, and the interest rates continued to accumulate regardless of hardship or in school deferments. My loans accumulated interest for a total of $ XXXX in XX/XX/XXXX. I had been working with several agencies to try and get loan forgiveness or interest reduction. I consolidated the loan and made payments but the interest continued. I got a XXXX degree in XX/XX/XXXX and an XXXX in XX/XX/XXXX, which I paid for out of pocket and w employer reimbursement. 
I made payments at a reduced rate bc payments were {$900.00}. 
In XX/XX/XXXX, the management of the loans went from direct student loans to mygreatlakes.org. The manner this was managed was n't transparent and the agency is out to make money. In fact in the past year I received an email saying in the transition of the loan there was an error and they needed to add {$240.00} to my balance. how is that possible? Then, they added {$5.00} in my monthly payment and changed my due date without informing me and created NSF charges in my checking account. When I contacted them they seemed not to think it was a problem. When I make additional payments or try to pay to principal only they say they ca n't do that. They are n't applying payments consistently sometimes literally they apply most of the payment to interest only. This is wrong! It is like a loan shark situation. 
I completed the public service forgiveness app which has to be filed through your loan service agency and I met all the requirements having worked in non profit for nearly 6 years. But it took place before XX/XX/XXXX, and therefore I was disqualified. I should be contributing to my retirement instead of this. 
Help! 
I have confronted their questionable accounting etc but the government handed these loans over to this agency w a poor customer service reputation and they are living up to that reputation from my experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recognized there was erroneous information on my credit report so I notified Equifax to get it resolved. They failed to verify the information and have not completed their investigation in 30 days. They are willfully violating the Fair Credit Reporting Act by their continuous reporting of wrong information and unwillingness to validate or respond within the timeframe given by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have had accounts with Bank of America for over 25 years and for the most part have not had issues except with excessive overdraft fees. There are currently different policies for handling fees however, prior to these changes, I paid Bank of America thousands of dollars in daily overdraft fees. In trying to dispute these fees or request waiving some, I was extremely frustrated when I realized how the Banks own " processing '' system for transactions and deposits, would actually trigger the overdraft fees. Example 1 : Payroll direct deposit would post the same day as a check written or auto-withdrawal transaction. Instead of posting my deposit first, the bank would post every withdrawal transaction FIRST before posting the deposit causing each withdrawal transaction to generate a separate overdraft fee.

Example 2 : When processing daily transactions/checks written from my account, the bank would often process the larger amount FIRST, triggering Insufficient funds and overdraft fees for each of the numerous smaller checks/transactions for that day. So instead of processing 10 small transactions on a day and charge one ( 1 ) overdraft fee, the bank would process the larger amount and charge me separate overdraft fees for each of the 10 small transactions.

I have gone back-and-forth with Bank of America over the years about the fees. At times they waived SOME of the numerous fees but their solution to avoid fees was to link my account to my BofA credit card. Unfortunately though this resolved the overdraft issue, I would be charged more/higher rate on my credit card because this transaction was considered a Cash Advance. I honestly have remained with Bank of America all these years because of accessibility, international availability and feeling that they have been the lesser of two evils, as my other account was with 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