BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent XXXX rounds of letters to dispute my account and nothing has happened. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies : a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; Exact Prohibition : a law or regulation forbidding something As define by the IRS- Even if you didnt receive a form 1099-C you must report canceled debt as gross income on your tax return. 
Account # XXXX balance of $ XXXX XXXX XXXX XXXX Rewards This is a charge off and I demand a form 1099c for tax purposes!

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 2018-09-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting Feedback to a claim with Chase filed on XX/XX/XXXX and XX/XX/2017. ( I have tried for days to reply to respondent, Chase but can not get back into your system ) Ref # XXXX In conclusion : Chase Bank directly lied to me upon my asking if my condo needed to be my Primary Residence. I was told 'NO ' ... .later I was told it had to be my primary residence, but they did not want to 'discourage ' me? Really? 

Lie # 1 After speaking with one of their customer service reps handling my case of loan modifying went on to tell me 'you are not in arrears ' with mortgage payments. Apparently if I am not in arrears I am not struggling. So I asked if it would help if I were to become in arrears? 

Lie # 2 Chase continues to ask me if I would like to re apply for a loan modification? My circumstances have not changed. 

I qualify for the loan modification financially but Chase refuse to help a senior when most needed. My savings will soon run out so apparently Chase would, according to their statements like me to apply once again. 

None of this makes sense. However, I did some research and found that Chase offers a loan modification to its customers but rarely, if ever, approves it. There were hundreds of complaints regarding my type of situation. 

I am XXXX yrs old. I need help. I have been with Chase for more than a decade with an outstanding record of on time payments. Now when help is needed I am denied? 

Why? Is it age related? Predjudice? I  waited 6 months after applying and sending in my life long history of bank acct, social security income and all that was asked ... .Chase had me wait so long that there was not one but two appraisals on my condo! 

When asked if I could refinance, I was denied as well. Chase said my condo was worth less than what I paid for it. 

Would Chase Bank like the condo back? Is that what they are seeking? A fore closure of sorts? 

I have appealed to you because I genuinely feel there is something underhanded, illegal and puzzling about the way Chase has handled their customers. If you could look into their complaints of their business practices, I think you will find some measure of illegal activities going on. 

Thank you for all of your help. 

Chase Bank XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Aspen National Financial, Inc.
State: FL
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing

Complaint:
I have been in the process of getting out of my timeshare for years. This timeshare has sold my information to this third party collection agency called Aspen National Collections without my consent. And I should be protected by the Fair Debt Collection Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: LEXISNEXIS
State: IL
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:
XXXX continues to report this alleged bankruptcy with no validation. I called the clerk of court, and they stated that the court DO NOT release bankruptcy information to anyone that is not a party to the filing or the attorney, this means that it is impossible for XXXX to validate this alleged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: FL
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 have had my XXXX XXXX Account since XX/XX/XXXX. My account with XXXX/XXXX  XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, XXXX and XXXX XXXX  converted some accounts over to XXXX XXXX. XXXX XXXX subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, XXXX XXXX is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had XXXX XXXX not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If XXXX  XXXX would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from XXXX XXXX XXXX  -to-XXXX/XXXX  XXXX, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called to close card but still receive the annual fee statement for next year. I am not renewing this card, so I shouldn't pay the annual fee for this coming year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that a new collection was placed on my credit report for {$530.00} from a company called Contracts Callers Inc. also known as CCI out of XXXX Georgia. CCI is trying to collect a debt for the City of  XXXX per my credit report. I have never heard of this company until today. My credit report states, " the collection was reported on XX/XX/XXXX as charge off/collection. '' First off, I have NOT lived in XXXX Texas since XX/XX/XXXX. To place this on my credit as of XXXX sounds like I just ended or breached a contract with the City of XXXX and failed to pay. Second, I have NOT received ANY correspondence from this company or company 's representative regarding this alleged debt by regular mail, certified mail or by telephone. Third, I  have been married since XXXX and my last name is changed so I know for a fact that this company has NOT reached out to me regarding this alleged debt. I have lived in the same home and utilized the same mailing address since XXXX. It is real disheartened that companies can put inaccurate information on someone's credit report without giving the consumer a chance to dispute a collection properly or doing a due diligent search to notify someone. I am requesting from this company as outlined under the FDPCA 809 ( b ) validation of the debts with loan agreement/contract or promised to pay. In addition, I would like for CCI to provide the alleged correspondence that was mailed along with the address they have on file for me and what telephone number CCI called. Besides Texas has a statute of limitations on collecting debt which is four years. And I do not owe any alleged debt CCI has referenced on my credit report nor do I wish to do  business with them. I will be sending a letter out to CCI today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
National business factors in XX/XX/XXXX repeatedly call my place of employment and home 7 to 8 Times a day stating I would be garnished and bank account froze if I did not set up a payment plan. I never received notice of these bills from XXXX XXXX XXXX XXXX but I had taken my children there due to emgenecies out of my control and I had no income or job but could not get the XXXX approved. Once I had a job they kept calling and threatening garnishment of my paychecks if I did not set up a payment plan which eventually I did and paid XXXX a month for 2 years but yet none of the medical debt went away and barely paid off. XX/XX/XXXX they started harrassing me for another payment plan stating the other one did not count and I were to be garnished again they kept calling my work and my phone I had to get a new phone number and bank account to stop it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank Of America ( BOA ) is charging Overdraft fees like anything. They charged 4 times overdraft fee in a single day ( each time {$35.00} dollars ) ( plz see the attached snap ). I called them and they said " System does not let us waive any of it ''. It has happened in the past and they did the same thing. BOA do not give me option to opt-out of this overdraft protection, I have requested few times in the past by visiting the bank but they always says that " Checking account has to have the overdraft protection ''. 
This is going crazy as BOA has charged 20 times overdraft fee ( {$35.00} XXXX  {$20.00} = {$700.00} ) between the period of XX/XX/XXXX - XX/XX/XXXX. 
They do charge lot of other fees like ATM fees ( {$2.00} dollar for each transaction using any other ATM ) but I understand that and not complaining about that. 

But I want all overdraft fee to be waived off. 
I am attaching the document which list down all 20 overdraft fee BOA has charged me between XX/XX/XXXX - XX/XX/XXXX period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-02
Company: Exeter Finance Corp.
State: FL
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:
This is the 3rd time I have had to file a complaint with the CFPB on Exeter Finance to get this corrected. I really dont understand. I file a complaint. Exeter Finance removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with Exeter Finance. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize Exeter Finance has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. Exeter Finance misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XX/XX/XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
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 was charged XXXX in atm fees in XXXX and XXXX. I called the company and they refused to do anything. I am on social security and can't afford all these fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I completely paid off the balance shown and closed the account on XX/XX/XXXX. According to their customer service, a {$2.00} late fee was charged to the account after I already paid off the entire balance shown. Due to paperless statements in order to see this I would have had to logon to the account to see this new charge. Since I closed the account I never thought to go look for charges after the fact. Therefore more late fees got charged on top of the {$2.00}. I did not realize this till now when it is at {$6.00}. They refused to take the charges off the account even though I would have never known this charge was accumulating after I paid off the account and closed it. This is ridiculous. Once an account is paid and closed there should not be more charges added. The {$2.00} late fee should have been included in the balance when I went to pay off the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a home but lost it to foreclosure. I started with a low manageable payment but yearly it increased to an unmanageable amount. I had to XXXX lose my truck cause i wanted to keep the house then eventually i lost the house.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A bank manager issued me a credit card. He told me that the card was not secured and that my money would not be affected. When I checked my balance my XXXX was gone. 
I was never given my money back. I paid the balance of the card but money was never refunded.

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 2023-01-20
Company: Experian Information Solutions 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:
Account name XXXX XXXX Account number : XXXX and XXXX On XX/XX/2018 loans was took out in my name fraudulently. Due identity stolen i sent documents to three credit bureaus to do investigation on this matter. 


In accordance with the Fair credit Reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A States I have to privacy. 15 U.S.C 1681 Section 604 SECTION 2 : It also states that 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 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I believe Bank Of America is using predatory lending habits with my credit card. I have had my credit card with Bank of America for the past ten years. I recently started closing accounts due to unexplained fees, and continual predatory banking habits with bank of america. I have kept my credit card, and have used my credit card per normal. In the last three months bank of america has continuously lowered my total credit amount, thereby increasing my usage amount, and decreasing my credit score. I have other credit cards that have not done this, and I called Bank of America who can offer no real answer. I have always paid my credit cards, and during COVID a national pandemic, XXXX continue to make payments. I have communicated to BOA that I get paid once monthly, and wanted to change my due date, and they were not amendable. I have even made large payments, and they have counted it against me since I am not making minimum payment amounts monthly. This would only cover the interest rate, and I have in the past paid off my credit card. I wish to report BOA, and want someone to take a look into my account. I know BOA has been reviewed by the federal government for predatory lending especially to minority customers. I feel I am a victim of this, even as a XXXX XXXX during COVID, I wish to report this. Please feel free to call me at XXXX. I have notified BOA that I was filing this report. This has been a long standing issue.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX  XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/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 2023-04-22
Company: Waypoint Resource Group, LLC
State: FL
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 Report Act XXXX, Account : XXXX, Receivables Performance, 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. 
I do not owe this debt collector.

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 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XX/XX/2023 an account was opened in my name without my permission with XXXX XXXX  i never applied for this account and never used this account. it was opened fraudulently i called the company and they said its in there system so i had to pay account number XXXX the amount {$430.00}

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