BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XXXX there was fraud found in both my savings and checking accounts. I noticed on XX/XX/XXXX that there was fraudulent activity in my account and went to the bank early that morning. I spoke to there manager in Bank of America and she helped me out with phone numbers and stuff. I called the fraud phone number i was given to report everything that had happened. They gave me a claim and everything was okay after that until about a XXXX weeks later. my check from work got deposited into the fraudulent accounts and i was told they were completely shut down so i was confused. i went to the bank again XX/XX/XXXX and they called fraud for me and they were told it was apart of the risk department. so we called them and then they told me that my check was not going to be available to me and half of my check was taken due to the debts from the fraud. bank of americas manager ended up telling us to file a police report. so the next XXXX  we went in to file a police report. then when we called the risk department to tell them i had a police case number they informed me my funds were not going to be available for a few days. then i went to the bank XXXX  XX/XX/XXXX and they told me they are taking all of the available funds and putting it towards the debt from the fraud.

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 2023-11-29
Company: Bread Financial Holdings, 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:
Creditor Name : XXXX Account Number : XXXX Date of Opening : XXXXXXXX XXXX XXXX This above account is reporting on my credit profile is fraudulent. I never applied for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The information that was provided was not sufficient proof I owned that debt. The information did not include a signature, social security number, or details about fees and interest from original debt owed to current balance. Also the information given to was showed the current creditor different than the creditor trying to collect this debt. Also needs to be noted my email address along with other sensitive information was effected by data breach on XXXX in 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 2023-12-31
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been in the PSLF program for over 10 years. I got into public service knowing that after 10 years my loans would be forgiven. This was the only possible way that I could have afforded to work in public service and pay for my loans given how little XXXX make. 

My issue is with Mohela. There are many qualifying payments that have not been applied towards forgiveness and the qualifying payments listed on the Mohela website are not accurate. I resubmitted the employment verification document for two employers that were not listed for some reason and they are still not listed on the website towards qualifying payments. However, the agent said the payment counts are up to date. Clearly they can't be up to date if 2 employers are not even listed. I have called, emailed and messaged through the portal over 30 times since XXXX. Each time they say they will request it gets updated. Nothing has happened. I have also filed an appeal through studentaid.gov to see if that will help expedite the process and have gotten zero response. When I was able to get a person on the phone they said it looks like I should be at full forgiveness. Unfortunately, nothing came from their request so I called back and that person stated that some of my payments didn't count because I was in deferment or forbearance. The only times I agreed to forbearance or deferment is when the loan servicer said they would still count towards PSLF which apparently they were not. 

Mohela is also taking 100 % of my payment and applying it towards interest only. When I asked the associate why she said " don't worry about it because you should be at forgiveness once everything processes. '' Additionally, they advertised that I would get a percentage discount on my loan payment if I signed up for automatic payments which I did. This discount has not been applied and I am working on my XXXX payment to them with no discount as advertised. 

I can't reach anyone via phone and no one responds any longer through the portal. 

I feel like I have hit my agreed upon 10 years of service in public service and deserve to have my loans forgiven. I am not asking to randomly be forgiven for something I agreed to pay on. This was a part of the deal and why I was able to become an XXXX. This is greatly impacting my ability to plan a future for my children. I am unable to make a decision on purchasing a home because I have no clue when/if my loans are actually going to be forgiven. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05
Company: Army and Air Force Exchange Service
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I owe about XXXX in debt to the Military Star Exchange Program which is under the Army & Airforce Exchange Services, they turn the debt over to XXXX XXXX XXXX XXXX they are saying I have to pay them XXXX extra dollars on the debt because they turn it over to them, at a rate of XXXX Interest until I pay off the debt. They sent me a letter saying that if I don't satisfy this debt that they will began taking payments out of my Social Security benefit payments, I also told them that I could pay them XXXX a month on the debt, and they said it would take me 30 years to pay off the debt at XXXX percent interest, they told me I would have to pay a minimum of XXXX a month for 36 months, I also called the Military Star Exchange and told them that I could pay on the card they gave me, but they said they turned the account over to collections and they would not be able to accept no payments from me on the card,

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX loans were transferred to XXXX in XXXX. Total is near XXXX and my fresh start save application was approved prior to the transfer. 
XXXX made up a loan I do not have for XXXX and growing on my credit report XXXX per month. 
I do not have A loan in that amount. XXXX and XXXX did not do their due diligence as required by law. Screenshots from my account on both the lender and servicers portal .They report XXXX originally XXXX and now owing XXXX with interest accruing for 240 months. My loans are are not consolidated. 
I lost a car loan in XXXX due to this and was denied credit specifically due to my monthly obligation and utilization. Approved XXXX  days before. This went on and ruined it. I want it fixed. I expect compensation either voluntarily or in small claims court

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 2024-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Last XX/XX/08 my brother send me {$20.00}, via XXXX from his Bank of American cheeking account but I never received. 
Since then weve been complain with XXXX and Bank of American but no one wants to take the responsibility. Now, where is my money? 
XXXX is a company that was credited by 6 bank 's, including Bank of America. So, they own XXXX but when we go to the Bank they tell us to call XXXX and vice verse.Now what do I do? Please help me get my money back. Is not a lot but is my. 
Kindly - 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 2024-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
1 ) Can not temporarily thaw/unfreeze my credit report via Transunion.com 2 ) Can not access my credit report via XXXX and/or TransUnion.com 3 ) Can not submit online disputes via TransUnion.com 4 ) Can not manage fraud alerts via TransUnion.com 5 ) Can not manage my consumer statements via TransUnion.com

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 2023-10-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account on my credit report from XXXX XXXX XXXX. Is reporting in accurate information on my credit report. 
This vehicle was paid off in XXXX XXXX XXXX 

It does list that the car is paid off as far as the balance. However they are showing that I have late payments on the car as of XXXX XXXX XXXX Which is incorrect as there are no payments owed at all. Its reporting directly on each 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.

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 2023-12-13
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:
I sent a letter to all 3 major credit bureaus, demanding that they remove fraudulent inquires from my credit report. XXXX complied with my request, but Experian and XXXX did not. I never authorized, nor was informed of these inquires.

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 2023-12-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I was notified on XX/XX/XXXX that my credit report had a derogatory mark. Upon calling the apartment complex ( XXXX XXXX XXXX ) in Texas, I was notified to call the debt collector ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ). Upon calling them, I requested the dates, location, and how they were approved. I was told the dates were XX/XX/XXXX of XXXX through XX/XX/XXXX of XXXX and that it went to collections in XX/XX/XXXX of XXXX. This person was approved for the apartment based off of bank statements through XXXX XXXX XXXXXXXX. However, I do not have a XXXX XXXX XXXXXXXX account. I was then notified that they owe {$5000.00} for not paying the apartment address of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. I have never lived in Texas, nor have I allowed or co-signed for anyone to live in Texas under my name. They used my social security number, however, they showed invalid bank statements with my name on them to be approved for the apartment. I have filed a police report and have already created a dispute with XXXX. The police report number is : XXXX. I can also provide dates of me living in California from my bank statements, rental agreement from the apartment I was living in, my drivers license, and my passport. I have attached proof of where I was living during these times in california, as well as the police report, and the CDR Correspondence of what the debt collectors are saying I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: Eastern Account Systems of Connecticut, Inc.
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received my credit report, and it stated that I opened an account with Eastern Account System on XX/XX/XXXX. I never opened and account with your agency on that date. I never signed a contractual agreement with Eastern Account System for {$260.00}. It's showing up as delinquent on my credit report for creditor : XXXX XXXX 

I called XXXX XXXX on XX/XX/XXXXXXXX  and they shared that my account was sold to Eastern Account System and XXXX who are collection agencies. I was never made aware of my account being sold to two collection agencies without my consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Self Financial Inc.
State: NC
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:
There are two fraudulent accounts from this company on my credit file, which needs to be blocked immediately, according to FCRA and USC 1028A of the constitution. I have contacted the company numerous of times, but the company did not respond via mail nor electronic medium. The fraudulent account which is listed on my report includes : Account Name : XXXX. XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE OPENED : XX/XX/XXXX, 2ND ACCOUNT IS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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: Account status incorrect

Complaint:
To whom it may concern Youre in violation of 15 usc 1692D 15 usc 1681A FCRA SECTION 622 Section 624 Section 623 THIS IS EXPERIAN LAST AND FINAL WARNING THIS ACCOUNT WAS PAID IN FULL AND XXXX XXXX AGREE TO DELETE ACCOUNT FROM MY REPORT ONCE I FILE A LAWSUIT FOR MY CLIENT YOU WILL HAVE NO CHOICE BUT TO PAY XXXX $ for violation am writing in regard to the above referenced accounts and transactions.This vehicle was repossessed by XXXX XXXX in the State of Florida on or abou and resold on or about XXXX XXXXUnder the laws of the State of FLORIDA. UCC ( 1-308, you will need to look this up ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, THIS ACCOUNT ONLY REPORTING ON EXPERIAN AND OTHER CREDIT BUREAU DID REMOVE. Your job is to make sure credit report is accurate but clearly none of y'all doing proper investigation. UNDER all available State and Federal statutes and UCC 9 remedies. 
SEEKING XXXX in remedies and DELETE THIS ACCOUNT FROM MY CLIENT REPORT Sincerely, 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 2023-11-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I got an offer for {$350.00} if I opened a 360 checking account & had 2 eligible direct deposits. 

The offer was shown to me while I was checking my credit card. It was a little pop up that described those terms & then it had a claim now button or accept offer button on it. 
I clicked on it & signed up. Then, that day, submitted the request to my job to have 45 % of my checks deposited into the account ( about {$800.00} on average ), biweekly. 

After a few weeks, my partner ( who I told about the offer and had sign up ) received the XXXX, but I had not.. for some reason. So I called and asked why. They told me Id have to call back after a couple of MONTHS because it was an error entering the code on ( my ) part. The phone operator was incredibly rude & short with me. I called back & got told a date that was about 3 weeks sooner, so I was mildly more happy. Still did not understand why I needed to jump through these hoops to get an advertised offer, however. 

I then called back on the day she told me to, after planning my finances around the situation. While in XXXX, and on our last {$50.00}, I called the day I was directed to & all of a sudden, I had to wait a few more weeks again because they couldnt submit an override yet? When I asked to speak to a supervisor, she also told me that they could not submit an override yet & I expressed interest in closing my account.. seeing as already they had done a few shady things & it didnt seem like a good company to be banking through. 

Another aspect of the account that was appealing to me was the early bank deposits. I usually get my check on Thursdays, but they said theyd be able to get it about 2 days sooner. 

Prior to my last call with them, I always got it at around XXXX XXXX XXXX on Tuesday nights. 
With my first check since the phone call, for some reason the check is not even a pending charge & the other 55 % is pending to be deposited to my other account later today. Which leads me to believe they are now retaliating against me because of the previous phone call. 

I believe this company is making fraudulent claims and acting in a very dishonest manner. They enticed me into a bank account with them & have yet to fulfill their promise, even after I have called 3 times to get it sorted. I would not have signed up for the account had they not promised those two things & now they have taken them away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My truist business account has been cleaned {$3000.00} dollars due to truist low security!!

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