BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023, I received a wire in the amount of {$14000.00} in my Bank of America ( BOA ) business account from a transaction with a third party. About a week later I saw that my entire account was frozen without anyone from BOA informing me. So I called BOA and I was informed that the account was frozen because they have received a claim from XXXX XXXX that the {$14000.00} received was not from an authorized source. 

I was informed the investigation will take up to 90 business days and once the investigation is over, the funds will be unfroze or returned to XXXX XXXX. 

I didnt hear anything from BOA after 90 business days so I called them and they told me the investigation is not over. At this point, I realize this was a sham investigation with no concern for me as the customer. 

Finally, around XX/XX/XXXX I saw that the {$14000.00} was unfrozen in my business account so I contact the party that sent the wire. I received wire instructions and sent the funds out thinking the everything was over. 

Today, XX/XX/2023, I opened my personal account, different from my business account where the {$14000.00} was held, and saw a debit of {$14000.00} from my personal account. I contacted BOA again and asked why {$14000.00} was debited from my personal. To my surprise, BOA informed me that they have deducted the {$14000.00} in my personal account because of the wire transfer on XX/XX/2023 in my business account. I questioned why they unfroze the funds in the business account and they couldnt provide me with an answer. The wire fraud department person I spoke to keep telling me she doesnt have answers and that the back office people were the ones that deducted the money from my personal account. 

I am reaching out to your organization because of the unfair treatment of BOA to me as a client and also deducting {$14000.00} from my personal account after an investigation into wire was completed and funds unfrozen. 

Please I want BOA to unfreeze the {$14000.00} in my account and write an apology letter for this unfair treatment to resolve this issue amicably. 

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 2023-05-01
Company: EQUIFAX, INC.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with XXXX XXXX. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that XXXX XXXX accepted those payments on XX/XX/2023. My payment never posted to my account and XXXX XXXX has taken my money. 
I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and XXXX XXXX has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in forbearance and have been trying to close it out since XXXX of 2021. It is now XXXX and the company has sent 7 or 8 different close out packets and is maliciously keeping me in forbearance. I have spent hours on the phone with them trying to clear this up, hours with notaries signing documentation. I need my close out letter immediately. They never have answers and keep giving me the run around.

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 2023-10-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've been trying to contact Nelnet since receiving my first statement. I have a payment due on XX/XX/11, and I need to inquire about an extension on a deferment or forbearance due to financial hardship. I've scoured my online account on Nelnet 's website, and I found information on requesting a short term forbearance ( XXXXXXXX XXXX XXXX but I can not find any information regarding requesting a longer deferment or forbearance ( I need a deferment or forbearance for about another year ). Since receiving my statement, I've tried, several times, to contact Nelnet by phone. When calling Nelnet, they indicate that wait times currently exceed XXXX minutes. After dealing with the automated system for XXXX minutes, the automated system says I will be connected to an agent in ... minutes ( the automated system doesn't give a number before minutes so no actual timeframe ). On each occasion when I attempted to contact Nelnet, I patiently wait on hold, and, without ever speaking with an agent, the call disconnects after a little over an hour on hold. This has happened every single time I try to contact Nelnet by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a dispute directly to credence XXXX XXXX and they sent me a theft packet from XXXX. I completed the packet and sent it to XXXX. XXXX sent an email saying it would be resolved within 30 days. 30 days has come and gone and Credence is still reporting to the credit bureaus despite sending several emails that they believe the account is possible fraud. Which means they are not reporting 100 % accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2021-12-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a XXXX XXXX XXXX at a XXXX grocery store on XX/XX/21 with a preloaded balance of {$50.00}. On XX/XX/21 I opened the gift card and registered it online at XXXX, however when I attempted to make an online purchase the card was declined. I called the telephone number on the back of the gift card XXXX and spoke with 3 different representatives who all advised that the card was placed on hold for fraudulent activity that occurred on XX/XX/21 which was prior to my purchase of the card. The company offered to mail a new gift card within 5-7 business days, but could not guarantee that the new card would not be flagged for fraudulent activity. I requested the company refund me the {$50.00} and I was informed that the money is still there, but I would not be able to access it because the card has been flagged. All 3 representatives refused to transfer me to a supervisor after multiple requests and eventually hung-up on me.

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 2023-10-04
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: AC AutoPay LLC, Denver, CO Branch
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX and AutoPay engaged in deceptive practices via the XXXX XXXX website. My son and I recently purchased a used vehicle and financed it through a credit union at 7.64 % interest rate for 60 months. The XXXX XXXX website induced me to apply to refinance the loan and provided 15 pages of offers based on my credit scores. XXXX XXXX also knew the VIN, year, approximate mileage, make and model of the vehicle, so I assumed the offers would be accurate based on all the available information. I applied for one of those offers through AutoPay, going directly to the AutoPay website, application # XXXX. Since I am defined as a " prime borrower '' I expected the best interest rate advertised to me in the XXXX XXXX offers, which was 3.49 % for 60 months. Upon hearing back from the AutoPay representative, XXXX XXXX, XXXX, XXXX, he informed me by phone that the rate and payments would be higher than the rate and payments are on the existing loan. He said " interest rates are just very high right now. '' I asked him " if I don't qualify for the advertised rate, who does?, '' he replied " no one. '' I consider this a bait and switch tactic which induced me to apply for credit and resulted in a hard credit pull on my credit report as well as my son 's. It is very disappointing to me that XXXX XXXX would participate in this kind of fishing expedition by allowing such an obviously predatory company onto their web platform, using it to bait and switch XXXX XXXX  users into working with bad actors. I have a printout of the offers provided in my XXXX XXXX  profile as evidence of what AutoPay and other lenders are doing on XXXX XXXX 's website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
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:
Dear Equifax, I want to express my appreciation for providing me with the performance summary, as you are obliged to report only factual information. However, I would like to draw your attention to the stipulation in 15 US Code 1681 ( 2 ) ( a ) ( i ) of the Credit Reporting Act, which mandates the exclusion of my transactions from your reporting. It's essential to note that my payments are considered as transactions.

I kindly request a comprehensive investigation into this matter and ask that you furnish me with a detailed description of the so-called late payments that you have purportedly verified as legitimate. Furthermore, I wish to inform you that delayed payments are in direct violation of 15 US Code 1666 ( b ). If it is determined that these allegations are false, I urge you to promptly update my file to reflect " Paid as Agreed '' and " Never Late '' status. Additionally, I request that you transmit this updated information to all the credit reporting agencies to which you provide reports. 

This correspondence serves as a formal complaint against the inaccurate and incomplete information currently present on my credit report. Specifically, the notation regarding the late payment is incorrect. I implore you to conduct a thorough investigation and verify the accuracy of all data associated with this account, including notation dates and balances, whether they have been reported or not. Here are the details for your reference : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I respectfully request concrete proof of this alleged item, particularly evidence demonstrating that these payments were indeed late. In accordance with consumer protection laws, I insist that if you are unable to provide such evidence or if you lack proof of these payments being late, you promptly amend my payment history to " PAAN '' status ( Paid as Agreed, Never Late ) and furnish a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

Moreover, I am seeking an explanation of the procedure employed to determine the accuracy and completeness of the information. I am aware that this information must be provided within 15 days of the conclusion of your reinvestigation. Federal law also dictates that you have 30 days to complete this investigation. I understand that you are obligated to validate these items with the reporting creditor to ensure accuracy. Any information that the creditor can not verify should be promptly removed. I expect this process to be completed within 30 days of receiving this letter, or else the inaccurate information must be expeditiously removed. 

Kindly forward an updated copy of my credit report to the address specified above. I greatly appreciate your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX i was scammed from an online loan service called XXXX XXXXXXXX there location is in XXXX and XXXX but they said they did loans all over America long story short truist bank was supposed to investigate this fraud they had me create a new account and took my entire paycheck to cover the negative balance which was suppose to be under investigation they didnt give me any notices nor emails like I asked the company to

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 2023-05-01
Company: EQUIFAX, INC.
State: GA
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 already sent a method of verification to the credit Bureaus asking them to verify the debt. They have already said that these items were verified correctly. My credit report Are still showing inaccuracies. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
equifax credit report wants me to mail my drivers lcense my social sercurtiy card all my banking infor to Equifax credit info XXXX XXXX XXXX XXXX ga ph XXXX tractor supply visa denied my appliction i requested my credit report thur Equifax mywife & i have good cridit this based on income & age my wife is XXXX and iam XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ssn was breached and all information was used to open accounts in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: GA
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:
Unknown erroneous XXXX credit card showing on my credit reports recently. I do not own or have ever owned a XXXX XXXX. This card just started reporting on my Credit Reports with all 3 bureaus and shows several years of history. 
I have never owned a credit card with XXXX! I have filed and attached a police report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NJ
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:
After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, XXXX XXXX and Equifax has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding their malicious and fraudulent reporting on my credit report, causing significant and unwarranted damage to my credit score.

The details of my complaint are as follows : In XX/XX/2020, Chase Bank closed one of my credit cards due to nonpayment of an amount related to price gouging during the pandemic. 

Subsequent to the closure, Chase Bank reported my account as charged off in XXXX 

Surprisingly, after the closure and charge-off, Chase Bank began offering me discounts to settle the outstanding balance.

The charged-off account has had a detrimental impact on my credit score. 

Chase Bank continues to report the nonpayment to credit bureaus, even though my account was closed and charged off three years ago.

The persistent reporting of nonpayment has resulted in the consideration of the debt as current, significantly impacting my credit score and hindering my ability to apply for a mortgage.

Despite the negative reporting, Chase Bank continues to offer me discounts to pay off the alleged outstanding balance.

I assert that Chase Bank 's reporting is not only inaccurate but also malicious and fraudulent, as it misrepresents the current status of the debt. 

It appears that Chase Bank 's continued reporting is an attempt to coerce me into paying an amount that I do not owe. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful reporting by Chase Bank. I believe this ongoing situation not only violates fair credit reporting practices but also constitutes an unfair and deceptive practice on the part of Chase Bank. 

Enclosed with this complaint, you will find relevant documentation supporting my claims, including account statements and communication records with Chase Bank.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue.

Sincerely,

Company response to consumer: Closed with explanation