BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed for Unemployment received California EDD Debit Card from Bank of America on XX/XX/2020, registered and activated card. XX/XX/2020, I Read all documents listed followed exact instructions on how to transfer funds online from EDD Debit card account to my personal checking account. Entered checking account number with routing number pressed continue. Response from bank " In-Correct Account Number '' It was the correct account number, I entered the account number again, the screen turned red " CARD BLOCKED. '' Not able to do anything. I never used the card to buy anything. 

Called Bank of America customer Service advised what happened reply I have to call Risk Management they are closed today will be open Sunday, XX/XX/XXXX at XXXX XXXX  I called at XXXX am " Thank you for your paitience we are currently receiving high call volume please wait and your call will be answered in the order we receive. '' For 2 hours on hold no answer. No option for them to call me back no voice mail nothing. I hung up I tried again at XXXX the same recording. I hung up after 1 hour 45 minutes. 

In this day and age of technology, all other Banks have the option for customer service to call you back. Instead they just never come to the phone so they never have to help you. 

Bank of America never should have blocked my card/account/money I am a brand new customer I have not been able to spend one XXXX, unable to buy food, toilet paper. After reading thousands of complaints from other BofA customers online with the exact same problem card being blocked. This has been going on for over 15 years how can this be possible they are able to block your account with no actual fraud being done. This is the only bank in the XXXX that does this to consumers. 

This can not continue this is my unemployment money and they are playing XXXX with my life in these beyond challenging times. I have no options but wait until Monday when the Bank opens spend another two to three hours of my day to correct BofA 's error.

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 2020-09-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am writing about my experience with Experian credit bureau not doing a valid investigation on a dispute that I opened on my account with an old credit card account. There is a closed XXXX/XXXX XXXX credit   card account number : XXXX on my report that has 2 late payments in XXXX and XXXX of 2019. This is incorrect, this account should not have any late payments listed. I demand these payments be removed or this entire account be DELETED from my report. This same account is showing on my XXXX report as being PAID ON TIME/NEVER LATE. I have disputed this with Experian, and they have finished my dispute but did not fix anything. They didn't change anything, yet the dispute says " updated ''. How could this be factual, if it shows paid on time with one bureau and not the other? I am requesting method of verification or this needs to be deleted immediately. I do not want them to open another investigation, because they just completed one after having me wait days for them to not fix this. My dispute report number is:XXXX. I need this account updated to paid immediately, or completely removed from my account right now. I am attaching pictures of my XXXX report, and my Experian report as well to see the difference.

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 2019-08-12
Company: Credit Plus Inc
State: WY
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 XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 

Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: HUNTINGTON NATIONAL BANK, THE
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/20 I received a text from Huntington alerting me that my account was overdrawn. I do not use Huntington as my primary account and it only exists because it was the local bank in Ohio. 

I immediately logged into my Huntington account to see where the charges came from and noticed that I had funds in excess of {$100.00} going to XXXX. I called Huntington Bank after seeing the charges and after several attempts could not reach anybody. The IVR system kept sending me to the wrong location and when I finally did get the right pathing I was informed that the office was closed. 

I had the card in my hand and it was not physically lost or stolen but I could not stop the transactions from happening online. I now have an overdrawn account that I have no intention of putting funds back into as I can not reach a customer service representative for such an egregious problem. I understand that the holiday was the XXXX but to not even have a fraud department open is unacceptable and highlights the ineptitude of the company as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried on multiple occasions to retrieve my Equifax credit report and scores both through the annual free credit report and directly through Equifax. I became aware of errors through XXXX monitoring service and have been trying correct them. 

On more than 7 occasions, I get errors on the Equifax website or I'm told my data input is wrong ( even though I'm 100 % positive it is correct ). On phone calls to Equifax, I've been on hold on 4 occasions for 35 minutes, 92 minutes, 67 minutes and 60 minutes respectively throughout the month of XX/XX/2018 but have not had contact with an agent. On 2 of those occasions, the line went dead after 35 minutes and 67 minutes.

Equifax presented an 'error ' message on the website stating I was required to submit any disputes via U.S. mail and would not allow access to retrieve, view or dispute credit report items. I was instead, offered a paid service if I wanted to view my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as American Honda Finance. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, XXXX XXXX and XXXX  respectively. I have had an impeccable payment history with American Honda Finance since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with American Honda Finance XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. American Honda Finance can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If American Honda Finance had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, American Honda Finance has  applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the American Honda Finance company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that American Honda Finance issue a policy change to the American public  through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: General Motors Financial Company, Inc.
State: CO
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:
My ex wife had a vehicle that was her responsibility during the divorce decree and she let the vehicle get repossessed and then made it part of her bankruptcy. This was never my responsibility and I'm not on the loan but it is still being reported on my credit report. i have attempted to get it removed from the credit bureaus but haven't had any success. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CITIBANK, N.A.
State: MI
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:
Hi, My name is XXXX XXXX. 

I applied for costco citi credit card on XX/XX/2020 when my credit score was XXXX. The application has not been approved. On XX/XX/2020 I received an email explaining why my credit card application got denied. The letter in the email attachment says that My score is XXXX, delinquencies in my credit accounts, high credit card balances which is totally incorrect. They received that report from XXXX Credit Information Services. I called XXXX  and they say that my report is in good standing and no such information is true as per the letter. I called citi credit card services. They say that they do not have any control and they just depend on what they receive from the system. I also had a hard inquiry in my credit history because of this false reporting. 

What kind of a report is that then? 

I want to report this incident so that in future this kind of inaccurate reporting does not impact credit decisions for me or other customers. 

Thank you for providing opportunity to report such grievances to take necessary actions if needed. I can provide more evidences if required. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I asked for payment suspension assistance from Wells Fargo. They said not to worry about it and they would not withdraw the payments. They Continue to withdraw the payments for 2 months. I called them and they " don't know why '' they payments continue to come out. I am overdrawn in my account because of this.

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 2017-08-07
Company: EQUIFAX, INC.
State: LA
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 filed numerous disputes with Equifax regarding inquiries and a collection on my account. They have an address listed on my file that does not belong to me. I call the companies and they say they have not received any correspondence from Equifax regarding the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have made several attempts with zero responses from the bureaus. I sent first class mail on XXXX/XXXX/20, XXXX/XXXX/20, XXXX/20, XXXX/XXXX/20, XX/XX/20 and XXXX/XXXX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.

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 2020-11-18
Company: JPMORGAN CHASE & CO.
State: CO
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:
XXXX  XXXX XXXX Chase Bank authorized transaction on a business credit card that had been closed for almost a year. Contacted Chase Bank and the issue is hopefully resolved but my faith is low. Only knew about it because my personal email receives the business statements and the account is paperless and has automatic payments setup. 

Today, XXXX/XXXX/2020, I received an email from Chase Bank about a credit card payment due next month. I didn't recognize the last four digits of the credit card, so I called Chase to report fraud. Come to find out that the credit card being charged is my CLOSED business credit card from my CLOSED business and the business checking account to get the credit card is CLOSED. All balances were XXXX. I can not access statements or any information about those accounts from their website. The business checking and credit card were closed at a local Chase Bank branch with the Bank Manager. Chase Bank is the fraudulent entity here. 

Chase Bank authorizes transactions on closed credit cards and the account holder can be blindsided with fraudulent charges, rapidly accruing fees, and poor credit reports. All without the account holder knowing. I only knew because I have the CLOSED credit card statements sent to my personal email. But that account shouldn't exist and should be closed. But it's not. The account holder carries way too much risk here. This loophole that Chase Bank is allowed to exploit can ruin someone without their knowledge. Chase Bank is authorizing charges on closed credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: TCF NATIONAL BANK
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX, XXXX XXXX located in XXXX, MI repossessed my vehicle for owed payments to Gateway Lending & Finance for a XXXX XXXX XXXX. I attempted to contact Gateway One that same day but never was able to speak with an actual representative live. I finally got a hold of someone at Gateway XX/XX/XXXX. The person I spoke with directed me to the repossession collection agency XXXX XXXX to obtain my items from my vehicle as permitted by Michigan law. I contacted XXXX XXXX on XX/XX/XXXX XXXX XXXX and spoke with a person claiming to work off of appointments. Since the vehicle was repossessed from XXXX XXXX, MI to XXXX, MI there is at least a 30 minute drive for me to get my items back. I told the person I would have to contact XXXX XXXX back again after I arrange for a ride to pick my items up. I was under the impression that I would have time to actually go through the vehicle, the person at XXXX XXXX claimed it was a 30 minute appointment. I contacted XXXX XXXX on XX/XX/XXXX after arranging transportation at XXXX XXXX and leave a message. The person contacts me back at XXXX XXXX on XX/XX/XXXX. We agree to an appointment at XXXX XXXX on XX/XX/XXXX for me to be able to remove my items. I ended up being late for my appointment since my elderly, XXXX mother let me drive her car there but got lost on the way to pick me up. I contacted XXXX XXXX at XXXX XXXX  on XX/XX/XXXX to confirm our appointment at XXXX XXXX, the person I spoke with stated ok. I contacted them again at XXXX XXXX on XX/XX/XXXX to let her know I was running late, there was no answer nor any answering machine when I called. I called again at XXXX XXXX  on XX/XX/XXXX and left a message stating I was running late. Once I arrive at XXXX XXXX the person claimed our appointment was at XXXX XXXX very rudely instead of XXXX XXXX as if wanting some kind of argument despite our phone call confirming the latter time earlier on XX/XX/XXXX. The person claimed the paper I signed was to waive any fees associated with removing my items from my vehicle that may be imposed by XXXX XXXX. She then told me to stand outside of the office. Seconds later she threw a trash bag with holes in it and full of my items onto the ground but did not say another word to me. Once I was able to go through the items in detail in the trash bag I realized that there are at least 2 items missing that were in my inner console of my vehicle which belong to me. I contacted XXXX XXXX to notify them of the missing items at XXXX XXXX on XX/XX/XXXX and left a message. XXXX XXXX lied about our confirmed appointment time and stole at least 2 items from my vehicle. I have my cell phone call listings to show when I contacted XXXX XXXX to obtain my items from my vehicle as proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is my second time making a complaint about Discover XXXX Card. I was approved in XX/XX/XXXX and they decided to freeze the account until a copy of my bank statement was sent so finally in XXXX after the wait time was over the card was unblocked. During the time Discover allowed me to have the account I experienced fraudulent transactions who I had explained that my roommate who lived with me from XXXX to XXXX must have been the one who had been using the account and even made a few erroneous payments. Discover XXXX card advertised zero fraudulent liability. I explained what was fraudulent and then they mailed me out new cards. After they were done with the dispute Discover closed my account and there reason for closing was a retaliation against me for disputing the fraud. Why offer your customers 0 % for liability and advertise it if youre going to you yes take the purchases are but then close the accounts I know Credit Attorney grantors have the right to close the account for any reason but during the COVID-19 crisis this is just abuse. Banks like discovered need to remember XXXX and how the government bailed most of them out now the American people are struggling and the banking system could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: FIRST NATIONAL BANK OF OMAHA
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the XXXX XXXX XXXX on XX/XX/18 and was informed via email on XX/XX/18 that a decision had been reached on my application. I logged into the website and it listed my application as declined, stating that I would receive a letter in the mail with further details in 7-10 business days. When said letter did not show up as of XX/XX/18, I called customer service on XXXX and was asked to call back on XX/XX/18 if I did not receive the letter by then. I called back on the XXXX, explaining that the letter still hadn't arrived and was informed that a new letter would be sent out. I have not received either letter as of XX/XX/18.

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