BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I overpaid my credit card by {$130.00}. Bank of America ( BoA ) issued me a refund check of {$130.00} on XXXX XXXX XXXX to bring my account balance to XXXX. BoA then closed this account when it sold this credit card entity to XXXXXXXX XXXX 
Unfortunately, the refund check was not delivered to me until XXXX XXXX  due to postal delay. As the check was only valid for 120 days, I was not able to deposit this check. 

BoA refused to issue me a new check as it said the account had been closed at BoA, they are not able to issue a replacement check on a closed account. The facts are : this dated check was issued by BoA and the account balance was XXXX when the account was transferred to XXXX. BoA alone is financially liable to me. However, BoA tried to evade its financial responsibility by repeatedly asking me to get compensation from XXXX. BoA reasons that my old account is closed at BoA, they have no more responsibility to me. But this check was issued by BoA before my account was closed by BoA.

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 2023-10-12
Company: Nelnet, Inc.
State: MI
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 requested on XX/XX/XXXX to change my repayment plan with Nelnet. It is now XX/XX/XXXX, and the payment that I do not feel I can afford is due in 11 days for over 3x the amount the new plan would be. Phone wait times are HOURS, and all they say is that " its processing ''. This company is an absolute joke and should be sued by every single student loan borrower who was forced to work with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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 status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-06
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my formal complaint against Experian about the inaccuracies listed on my credit report by Experian Consumer Report which is a result of fraud and Identity Theft. 

The fraudulent companies include ; XXXX - CARD SERVICE XXXX {$5000.00} XX/XX/XXXX XXXX - CARD SERVICE XXXX {$18000.00} XX/XX/XXXX These accounts have been opened and/or used for fraudulent activity in my name using my SSN and personal bank accounts without my knowledge Please note that my personal data was breached in the XXXX XXXX Breach. According to Experian report on XX/XX/XXXX. These accounts were fraudulently opened and used a result of Identity Theft. I submitted police report, Identity theft report and blocking letters but Experian has refused to block these accounts. They are in violation of my rights under the fairs credit act.

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 2023-10-12
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a First National Bank of Omaha Account. I was prompted to open a new type of account with a better APY through XXXX XXXX  on the FNBO account. Looking for a good interest rate and working with online banking in the past, I decided to link the FNBO account, my XXXX  account, my Chase account and XXXX XXXX XXXX Account. I made an initial deposit on XX/XX/ from XXXX of {$750.00}, XXXX ( XXXX ) XXXX XXXX {$10.00} on XX/XX/, and again on XXXX XXXX XXXX I added another {$1000.00} from XXXX XXXX. On XXXX XXXX XXXX they withdrew {$400.00} from my XXXX XXXX XXXXXXXX account and unbeknownst to me, I noticed that on my XXXX XXXX XXXX website and saw the XXXX was initiated. All of these deposits had cleared my accounts at the drafting institutions within a day of the deposit into XXXX. After XX/XX/, when I questioned why this {$400.00} was withdrawn, my account was restricted. Now I can not access any of my money. I can not write a check, withdraw, or use my ATM card to access my account. 

They do not provide any live customer service. You must communicate with them through their App on your cell phone via messaging. I keep hearing my account is under investigation to authenticate the origination accounts. It should not have taken XXXX weeks let alone all the money deposited in XXXX XXXXXXXX they will not allow me to have access to. I am XXXX, I am helping my mom who has fallen after COVID and is in need of medical care. Despite my pleas to explain why, I keep getting the same through their online chat and via XXXX. I can not get any response, any explanation as to what the hold up is. On Friday, XX/XX/, I sent over a copy of the front and back of my driver 's license and still have not heard what the critical issue is here. I explained I have no creditors, no tax liens, property liens, that I am a XXXX trusted traveler. I also expressed that I do not want them to withdraw any funds from any of these banks and they told me to cancel the withdrawals at my banks and that would incur me between $ XXXX $ XXXX. I advised them that they are forbidden to take any additional funds, both, XX/XX/XXXX, and XX/XX/XXXX, as well as today, XXXX XXXX XXXX I saw that this similar situation has happened to others in Reviews and my attempt to write FNBO last week was met with a response, they are their own bank, despite their use of FNBO 's routing number. I am not please. I feel scammed and I feel exhausted. I want this noted, I want this resolved and I want the rest of the public to know that this is the practices of this bank. Altogether they have {$2100.00} in savings, {$640.00} in a vacation account and {$1800.00} in my checking account. I just want my money back at this time.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

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 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX i received a text asking if i tried to make a purchase at XXXX XXXXXXXX & i texted back No & I did what was asked in the attached file im sending. 
There were 2 other charges i found 1 for {$19.00} at XXXX XXXX in XXXX XXXX In Florida and another for {$170.00} at XXXX XXXX Also in XXXX XXXX Florida. I marked them on there web site and i believed thats all i needed to do at that point & a new card would be sent. 

On XX/XX/XXXX I got my credit card statement and saw the charges still on there so i called and told them these were fraud charges. The lady that spoke broken English took the info and that they would investigate & send a new card out to me. 

On XX/XX/XXXX i got 3 letters ( They are attached in the file ) 1 stating there opening an investigation, 1 stating it was resolved & 1 stating they found insufficient evidence of fraud & i was responsible for the charges. 
I called them again & another woman that could not speak English could not answer my questions. 
I sent a fax on XX/XX/21 to them ( Also attached ) to see if they can resolve this, But im asking for your help as well. 
I was home when this fraud happened & I Feel there is no way they could have investigated this & make false accusations that i or another account user benefitted from this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only XXXX hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are XXXX hard inquiries on Equifax credit report and XXXX hard inquiry on my XXXX credit report. There should only be XXXX hard inquiry on my credit report. I am therefore asking XXXX XXXX and XXXX XXXX to remove the unnecessary hard inquiries from my credit report. There should only be XXXX hard inquiry on my credit report. 
I authorize the sales agent to do XXXX hard pull on my credit report not XXXX hard pulls. 
So, XXXX of the hard pulls down on my credit report was not authorized by me and I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back around XX/XX/2021 I received a notice that I lost my debit card privileges with Navy Federal credit union due to too fraud claims that they prematurely or better yet assumed we're me trying to pull a fast one or claim fraudulent reporting to those fraud claims ... Which at the end of the 90 day investigation turned out to be fraudulent however they penalized me for following the guidelines in there disclosures for a debit card..thanks to NFCU I had bounced a payment for my rent and my vehicle almost evicted the the most horrible part ... They marked my SSN with XXXX- XXXX XXXX XXXX- causing me no access to online certified funds but trapping me in there XXXX of an institution. Any other place for months denied me due to XXXX  and them marking me HIGH RISK due to fraud ... I lost my cool quite a few times when calling in however when I was able to control my anger and XXXX  ... I asked them to send the info that they used to come to this conclusion.. they said they will and never did.. they wouldn't file a complaint when I asked I talked to multiple '' managers '' but never anyone who could tell me anything about reactivating my access.. when I asked.. what is your all 's problem, it's it because I'm not an actual service member is it because I'm just related to one? Are you treating me this way because I haven't enlisted.. the man on the other side made a very disheartening ha then proceeded to quickly place me on hold.. I feel horrible to have ever backed a institution like this ... And thanks to them my life became so very stressful that, I already having severe health issues, caused me to be hospitalized. I am ashamed to have associated with such a disgusting institution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Information belongs to someone else

Complaint:
I have attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus. 

Disputes go as back as last year XXXX XXXX XXXX Under FCRA 623 ( a ) ( XXXX ), FDCPA 807 ( XXXX ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

They have failed to state this on any of my reports therefore violating my rights. 

No proof of ownership, late payments or any at all has been provided as proof. 

Copies of reports will be attached. 

Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered what was supposed to be a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX zoom lens on XX/XX/19 with information on XXXX XXXX XXXX 's website. The lens got to me on XX/XX/19. I tested it for three days, and found that more than 90 percent of the photos were overexposed. I had the lens inspected by a local photography store and was told that the lens is used, broken, and has a counterfeit lens cap. I sent XXXX XXXX an email and a voice mail about these facts. I called them on XX/XX/19 and they told me they had already had a replacement lens ready to ship. Nothing happened. I called them within a week and they said there was a shipping label for a new lens. Next I received an email from them asking me to send the lens back at my own expense, and directing me to ship it uninsured with no requirement to have someone sign for it. 

I called XXXX XXXX on XX/XX/19 voicing my concerns about shipping the lens uninsured.XXXX XXXX told me not to worry. I started a dispute process with Citi Bank. my credit card company in this case. 

I also sent the lens to a XXXX repair facility, and they sent me a repair estimate for {$540.00}. 

Citi Bank ordered me to return the lens to XXXX XXXX. I did this. Citi Bank declared XXXX XXXX 's case was valid. 
Citi Bank also ordered me to then send them proof of delivery and proof of purchase. I did all this, and they have told me they are considering the case. Nothing has happened since then that I can tell, and I have called Citi Bank a few times since I returned the {$2000.00} lens and extended warranty back to XXXX. XXXX. 

XXXX XXXX called me on XX/XX/XXXX, and XX/XX/XXXX. They were rude and insisted the lens was new. On the XXXX they told me they had sent the lens to XXXX for repair, since it is new and covered under warranty by XXXX. 

XXXX contacted me and told me it would take {$700.00} to repair. XXXX also sent me in writing, a statement saying that since the lens was sold to me by XXXX XXXX XXXX, and that since they are not an authorized XXXX dealer, there is no warranty on the lens. I am waiting to get the lens back from XXXX so I can ship it back to XXXX XXXX XXXX. 

I blame XXXX XXXX XXXX for selling me a used lens that does not work. I blame Citi Bank for supporting them.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$550.00}, XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2021 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: ALLY FINANCIAL INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Ally repossessed my car XX/XX/XXXX. In order to retrieve my vehicle, I was told to pay {$11000.00}, to an account at XXXX. XXXX which I did on XX/XX/XXXX. I was given incorrect account information by XXXX, the representative. So basically my money is missing, Ally nor XXXX. XXXX will help resolve the issue and every one points the finger at one another. My bank XXXX has reacted out to both Ally and XXXX XXXX several times, sent the forms needed to place the funds in the correct account but they both are unresponsive. I sent several emails to corporate and finally XXXX called from Ally Financial. She assured me she would investigate, and keep in touch but I havent heard from her in over a week with at least an update. Ive left give messages this week for her. At this point, I feel like they stole the money.

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 2023-11-17
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is my 2nd set of letters that i had sent to MERCHANT ADJUSTMENT SERVICE, INC concerning alleged debts of ( XXXX and XXXX ) .I sent the 1st set of letters off on XX/XX/2020, and the last on XXXX.neither letters that i have sent no one has responded and this a violation of the law.I am attaching copies of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First Fed Credit Control is the name of the company they have not sent any information written concerning this alleged debt. Also, I was Never given any information about the right to dispute or information as to what company they are representing just harassing phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation