BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wages were garnished by XXXX XXXX on XX/XX/2018. The amount of judgment was XXXX  XXXXThe company has the following address on file with the following reporting agencies : The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX The TransUnion address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to contact XXXX to correct the issue. They would not return my contact or resolve the issue. XXXX went through XXXX XXXX to garnish the wages. XXXX nor XXXX XXXX has acted properly. The account showing it has not been paid off impacts my credit, life, employment, and peace of mind.

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed claims with BofA XXXX prepaid claims Dept. On or about XX/XX/2023 is when I 1st received a debt card from BofA for the 1st time. I've never before have gotten any card or cards from BofA EDD prepaid Dept.i downloaded the BofA prepaid App on my phone. As I scroll through the app, I notice the transaction on the transaction history that there was deposits that I never used. So I requested copies of transaction history to be sent to me. I come to realized that I never received or used any funds that's showing on the statement. So I contacted BofA and let them know about this problems. They denied all my claims.

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 2022-12-08
Company: Avant Holding Company, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This isnt the first time theyve messed with my funds, but this was the last straw. Its not even over a lot, its only XXXX. Im just at my wits end with this bank. I had to call cursing and aggravated beyond hope, just so they would send me my money that someone was refunded toy old account while it was already closed for XXXX full days. Then when I call, theres nothing they can do, they can try to send it to my bank digitally and XXXX get an email. No email, no funds a couple days later. This is on XX/XX/XXXX. 
XX/XX/XXXX I call again and this time same rant, BUT we can mail you a paper check. At this point whatever gets the money out of my account because this is all I wanted. However the money shouldve been sent back or refused as is stated in the account closure email. Before this occurrence though, their support was no help with double charges or with funds not arriving. Overall Avant/Level bank is great, that is only if youll never have any problems ever, because they dont want to fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Bread Financial Holdings, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently applied for a PPP loan through a completely different lender than Chase Bank. Before I was even approved for this loan I was required to provide all the necessary documentation that was requested of me by the bank/lender that I was going through to get approved. I provided all documentation that was requested at that point they reviewed my info and approved me for the loan. The loan was then deposited into my account and now Chase has a hold and a block on my account Stating I needed a business account to get this loan But when I contacted the lender they stated That is not true and I provided all the correct documentation to get approved for the loan. Now Chase has me going through a run around to get the block taken off my account for me to retrieve my funds. I have the closing documents the application emails etc whatever is needed to prove that I applied and got approved for this loan and now Chase is making me provide them with all this extra information which I don't understand why because I did not go through Chase to get this loan so now there holding my funds XXXX claiming I need to provide to 3 years taxes etc etc. And What I contact the lender they state they do not understand why Chase is making me go through this. I just want to block removed so I can withdraw my funds from Chase move on to a different bank you because this is the worst experience I've ever had. It doesn't say provider 's must have separate business accounts to apply. Also it states banks and other lenders can set there own rules on how they want to accept applications. With that being said the lender I went through must have acknowledge all my info that's why I was accepted. So I need help because they keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX : XX/XX/XXXX Subject : Fraud XXXX XXXX XXXX XXXX AND Froze Account ending XXXX  To Whom It May Concern : I am writing this complaint hoping to get a response and/or resolution. I had have been a victim of Identity Thefts. I am writing not to complaint, but I believe this is one way to reach someone to ask assistance and resolution. 

In XXXX, I had lost {$5000.00} due to fraudulent activity. The funds were sent thought for Charity to supports orphanage. I had submitted the claim with the Fraud Dept and provided all supporting documentations. I have yet to receive an acknowledgement and/or any status to date. Incident had been reported to XXXX, FBI and the local authority. 

In XXXX I become a victim of Identity Thefts ; presumably, the same individual and his accomplices. This event by force to close out all of my accounts with Bank of America. The bank I trust and been a long-term customer. Incidentally, I was affirmed by the Bank of American location on XXXX and XXXX XXXX, in XXXX XXXX CA in-which all of my accounts had been closed. I continue to receive email notifications by email of the account balance. I have had gone back to the bank location 4x and once again I was assured that all accounts had been closed. I continue to receive emails. Today - XX/XX/XXXX, I went to another Bank of America location on XXXX and XXXX and told the account ending XXXX is open/ froze with a balance {$350.00}. I attempted to call the Fraud Dept XXXX - office is closed. 

Both incidences have been reported to the XXXX XXXX XXXX XXXX XXXX and the investigation is undergoing. I have all of the supporting documents and willfully submit for your investigation.

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 2021-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage transferred from XXXX XXXX to SPS Select Portfolio Servicing on XX/XX/XXXX. My XXXX XXXX ( XXXX XXXX ) was escrowed and last paid by XXXX on XX/XX/XXXX. SPS Never Paid my XXXX XXXX. and my coverage lapsed unbeknowst to me, until I got a letter from XXXX XXXX stating same. XXXX initially told me I could NOT be reinstated because it was Over 30 day lapse, so I got other XXXX XXXX, but at it was almost double the original price of {$2300.00} a year. 

SPS refused to agree that this issue was their fault. They told me I had XXXX XXXX that lapsed in XXXX, but never notified me until XXXX XXXX. 
I wrote to Department of Financial Services & SPS wrote a reply that was filled with several " untruths ''. I got verification of my XXXX from XXXX and submitted this to XXXX and SPS. 

SPS has acknowledged their error & refunded {$640.00} to my account for insurance i did not need. SPS has also accessed over {$8000.00} more due and owing in my {$190000.00} balloon payment I was forced to agree to by XXXX XXXX XXXX XXXX in order to keep my house. Now SPS says its almost XXXX. ( 3 statements attached for your reference ). 
I need help getting a covid modification with a lower interest rate ( 5.49 % currently ) and the balloon payment Ive been told is excessive and not normal, but i cant find an attorney to help me fix it. 
I will attach more information here for you to review. Please review this case for me. I feel as though I was swindled by XXXX and im getting the same result with SPS. 
Please note I have a large document ( my original submission to SPS and XXXX regarding the insurance mistake, but it is too large to upload. I can send it to u another way??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is reporting the wrong amount on bureau because of fraudulent charges not done by me. The balance is {$9100.00} but I only had charged {$3200.00} dollars. Please block and investigate fraud charges.

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 2023-01-08
Company: LEXISNEXIS
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:
XXXX XXXX XXXX is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the Eastern District Bankruptcy court of California which is false.

I have attached a letter from the Eastern District court of California verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One Bank and XXXX XXXX XXXX are fraudulently reporting on Saturday, XX/XX/XXXX in Credit Report a COLLECTION debt under fraud account # XXXX, opened on XXXX XXXX, XXXX in the amount of {$4100.00}. I do not owned an acct. with Capital OneXXXX XXXX XXXX. I have an acct with Capital One and pay as agreed on the XXXX of each month between {$65.00} - {$75.00}, balance owed {$2600.00}, credit limit {$2800.00} and account not in Collection. Capital One had fraudulently violated my rights under the Fair Credit Reporting Act and Collections Practice Act and after disputing fraudulently debt against Capital One Bank and attorney XXXX XXXX XXXX, garnished my wages of Commercial Local State TaxeXXXX under my employer XXXX XXXX XXXX of XXXX percent Biweekly between {$2800.00} through {$3000.00} in XXXX, XXXX taking entire check after government shutdown except {$55.00}, and again Commercial Local State Taxes in XXXX. Capital One Bank and XXXX XXXX XXXX XXXX  garnished my wages of XXXX percent biweekly and did not give me a receipt of garnishment and the Equal Employment Opportunity Commission ignored issues and did not investigate complaint filed in XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EdFinancial Services
State: TX
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:
Edfinancials has incorrect data on the student loans I owe and the historical payments I have made towards my loan. When I called Edfinancials, they originally tried to argue with me on the balance I owed until I pulled up my bank statements for the past XXXX  years reflecting the payments I have previously made. They also lied to me regarding their systems claiming they have two separate systems and when probed on information regarding those systems, they " apologized '' for the inaccurate information. 

I have XXXX access to my account history and Edfinancials has misrepresented my account balance. They refuse to disclose the payments I have previously made even though I have proof of all the payments I have made to date.

I called the company and they said it takes 41 days to provide the information on the historical payments ( I have XXXX access to this on their platform and they refuse to update this information ). I will not be making any payments to Edfinancials until they update their system and show an accurate balance of my remaining balance.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am not liable for this debt with ( ORIGINAL CREDITOR ) XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX. i do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. 

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 They Have 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 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 2023-03-29
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never in life had a XXXX bill. My credit report says i owed the and it was sold to collections. It is stopping me from getting a personal loan, I would like it removed asap.

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 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They made 2 fees in one transaction. Im receiving unemployment because of the pandemic and I called them explain and they didt give me the fee back.

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 2021-03-20
Company: PENTAGON FEDERAL CREDIT UNION
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 status incorrect

Complaint:
XXXX XXXX XXXX I filed chapter XXXX bankruptcy in XX/XX/XXXX.of XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with Pen fed credit union while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXXXX an discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX XXXX  XXXXpen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my XXXX  is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action

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 2021-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I saw in my XXXX credit report that someone had opened a Wells Fargo account in my name. I immediately contacted Wells Fargo directly. They informed me that someone had indeed opened an account in my name. I asked them to close the account and assumed the issues was settled. 

I then received a statement about my open account. I called Wells Fargo again and asked that they close the account. They said they were working on an investigation. 

I then received a letter telling me that they can't close the account because I have a credit block in effect ( which I put into effect because of my issue with Wells Fargo ). They also said that any checks written on the account would be paid but I would be charged fees if there was insufficient funds. 

I called Wells Fargo again and they put me on infinite hold on the phone. At this point, I believe they must have started up their commission program of incentivizing their employees to open fraudulent accounts that they were convicted of previously. 

Can you help?

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 2023-04-10
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 I recently noticed fraudulent charges on my Avant Credit Card totalling over {$700.00} only due to my BALANCE DUE reflecting the charge vs my last statement balance of {$89.00} just a few days ago. The transaction history for my account does not show any transactions since XX/XX/2023 ( my payment of {$220.00} ). 

I have tried multiple times to resolve the issue with Avant Finance, however, each call has been disconnected by the representative after they confirm that they also can not see any new charges, but each refuse to escalate my calls to a supervisor or correct the balance to reflect the accurate amount. 

I have not received a call or any correspondence from anyone in follow up to my repeated calls. 

My account balance with Avant should now be {$16.00} as I made a payment of {$73.00} tonight. 

Avant has recently been fined for fraudulent practices including adding fees and charges to customer accounts and failing to credit payments. I am afraid they are at it again. Please help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received electronic communication from Nelnet on XX/XX/XXXX  that I had been approved for the SAVE program, which stated that my payments would be {$0.00}. In attempts to keep my account from accruing interest under the SAVE plan, I wanted to start making payments and enroll in auto-pay to take advantage of the lower interest rate. Instead, I found that my account has been placed in Administrative Forbearance, with no notice from Nelnet and no explanation as to why. 

I attempted to contact Nelnet on XX/XX/XXXX  and XX/XX/XXXX  via email on the web site, as I have done with past communications, but have not received a reply other than an auto reply telling me to look at the FAQs for my answer or to call. 

Many others in my position say they spend hours on hold only to get a response from customer service that they dont know why theyve been placed in administrative forbearance or whether or not the interest accruing on their balance will be waived.

Company response to consumer: Closed with explanation