BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I paid my mortgage on time and the full amount due. The amount I paid ( not including the online payment fee ) was {$520.00} on XXXX/XXXX/XXXX ( it cleared on bank on XXXX/XXXX/XXXX ). When I received my next month 's statement on XXXX, I noticed that there was a " payment advance '' charge for {$11.00}. When I called that same day to ask about this charge they told me that it was because I did n't make my full payment. So while still on the phone, I looked at my bank transactions and compared it to what Bank of America said I paid on my statement. The amount that cleared my bank was {$520.00} ( see attached bank statement ) but the amount stated on my mortgage statement was {$510.00}. An exact difference of {$11.00}. I 'm sorry, but this is shady business practices. They tried telling me that they 'd have to " investigate '' it and call me back. Only when I told them no and if they did n't correct it while I 'm on the phone that I 'd be contacting to FTC to turn them in for shady banking practices did they correct it. I do n't believe this is an " honest '' mistake. You ca n't tell me that a bank as big as Bank of America does n't know how much their customers pay. If they do n't then they have a much serious problem. I believe that they are systematically doing this to other customers hoping they wo n't notice a small amount such as {$11.00}. But {$11.00} over millions of customers equals a huge profit for Bank of America.

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 2022-02-05
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
This is a new collection agency claiming a old debt that I don't recognize and I have verified it don't belong to me before. It is illegal to take it off only to put it back on my credit report without my knowledge again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
I filed a dispute on the incorrect I'm on my credit report it has been well over 30days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Accelerated Creditors Services, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The first phone call from a collection agency I was told that I didnt pay my bills and that they were going to have to do what they have to do. Suggesting damaging my credit because they were aware of me working vigorously hard to fix my credit after my bankruptcy. The agent from the collection agency on that call was very aggressive and condescending. Two times I was threatened that my credit will be severely damaged if I did not make payment or set up a payment arrangement. After that phone call I contacted the original creditor and set up payment arrangements and explain to them that I do not want to have any interaction with the collection agency because of the first contact with that collections agency. I never Received any written correspondence from the company. The collections agency only contacted me three times. But after the first contact as I stated I wanted to deal with the original creditor. In agreement was made for monthly payments. In the agreement was in good standing that agreement from the original creditor was communicated via email to the collection agency. And the collections agency had no regard for that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I told them I was working with a debt consolidation company, and they still keep on harassing me about the loan I owe at work and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My monthly payment for my Chase credit card ending in XXXX due every XXXX of the month. I pay every month on time. Now on XX/XX/2018, I made an online payment of XXXX at or around XXXX. On XXXX XXXX I get a text message that says my payment was not received. I log in to my account online and see I was given a XXXX late fee. I go back to my previous payment that I made XXXX XXXX and noticed I didnt get a late fee for that payment but it was due XX/XX/2018. I call their customer service to find out the agent claimed to refund the fee and says it should not affect my credit report. Now this is my issue one I have paid my bill on the XXXX many of times and never received a late fee, secondly and most importantly your website specifically states if your payment is made between XXXX et well credit your account for the date you choose, but you might not see it for 1-2 days. Now explain why I got a late fee again? I also have my confirmation email from scheduling my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had made payment on cc like I always do all my bills at once which is the XXXX of the month n I post date the ones thats not due then the bill was due XXXX XXXX on the XXXX I got a email said my bill was due I paid the bill 1000 dollars the next month 500 dollars but they saying my bill was due even tho my account said I had paid it on the XXXX XXXX XXXX never missed a payment before I had two bank America credit card one I had never used n owed 6000 on the other paying over the amount that was due so I talk with at least six ppl that day trying to find out what was going on no one knew a week later I received a letter stating my cc that I never used was closed n the other card the available amount was lowed the percentage rate on the one I used was much lower than the one hadnt used the reason on the paper I received didnt make since I had money n the bank to cover my payment n the other cc I have had no balance n to just change it like that n having been a customer for 30 years I would like to know whats the problem

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 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 20 different letters copy of my signature required service via UPS and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days.

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

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 2019-02-24
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Law firm Pressler & Pressler filed a judgement against me without providing any correspondence /communication. Ive now received a notice of a bank levy. This firm was fined in 2016 for operating illegally yet they continue to do so? When will they be stopped? 
I was not able to disputed nor have they validated this debt. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: AES/PHEAA
State: SC
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:
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 20 different letters copy of my signature required service via XXXX and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15 USC 1681 section 602 section, states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2021-04-07
Company: Resurgent Capital Services L.P.
State: TN
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:
These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX  XXXX over 30 days ago .I informed XXXX  XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

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 2020-07-20
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They have contacted my job multiple times telling my boss he was a debt collector. He called again and asked for the address of our building and asked me ( I was the one who answered ) personal questions about myself not knowing it was me. I told him per my boss, I could not provide any information and he got mad and said he would get the information from her and hung up. Also might add I am not the company 's employee that he is calling and harassing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I just called XXXX regarding late fees that are still being applied to my account. My initial concern was that when i was with XXXX they allowed me to pay my payments by splitting it by 1/2 due on the XXXX and remaining 1/2 due at the XXXX. I attempted to do this with SLS but their system was unable to process these types of payments which resulted in me having to call in monthly to have my 2 payments combined to be applied to what was currently due. I this this for a few years. Recently ( ~XX/XX/2018 I started making just 1 payment monthly as they noted so that I would no longer incur any fees or have my partial payments applied to principal erroneously ) and I am still getting late fees incurred. In my recent conversation today, they noted that it appeared i was still behind, but based off my history of paying twice monthly and now recently monthly on the same dates, i fail to see where and how i could be behind. In the past, when i have called, they noted that they see where some XXXX payments were applied to principal. I advised this should never have occurred and thought all prior misapplied funds were applied accurately. I need help to fix this since late fees are continuously being applied and i refuse to pay them until this gets cleared up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: NY
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:
I filed chapter XXXX bankruptcy. It was discharged XX/XX/XXXX. 

When it came up for discharge XXXX XXXX XXXX  started claiming late and missed payments. 

I sent them proof of payment in the form of canceled checks and certified mail receipts to validate my claim, that no payments were ever 30 days late or missed. 
After fixing some of their mistakes they continued to report 7 payments, 30 days late for XXXX. 

I hired a credit repair firm and on XX/XX/XXXX they sent letters on my behalf to XXXX and all three credit reporting agencies, XXXX, XXXX, and Experian. 

After reviewing my dispute, XXXX  and XXXX repaired my credit report by removing late payments from my report and are now showing paid and currant payment history for XXXX. 

Experian is how ever still showing - XXXX, XX/XX/XXXX as 30 days late, then, XXXX, XXXX, XXXX, XX/XX/XXXX as currant, then, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX as 30 days late. 

I am including copies of said letter to Experian, along with proof of payment in the form 12 canceled checks and certified mail receipts for XXXX - XX/XX/XXXX and, 12 canceled checks with certified mail receipts for XXXX - XX/XX/XXXX, and proof of XX/XX/XXXX payment with certified mail receipt. As you will see all payments are for exact amount, and there are no late payments or extra payments to bring account currant from XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hello today I tried to get a checking account in my name at a bank but all the sudden IAM not approved I never had a bank account in my name I all ways had prepaid cards ..so I think the XXXX XXXX XXXX is XXXX me over with false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has been constantly calling me even after i told them last year to stop calling me. I have also disputed the alleged debts via certified mail and with the credit bureaus. The company did not provide any account information. All they provided was a computer printout stating that The account has been Sold to XXXX XXXX XXXX They did not provide any contract or any account statements as they are Ordered and Required to do Pursuant to the CFPB Consent Order from XX/XX/2015. Midland continues to collect on debts that they can not provide proof of and harass consumers when told i was busy at work and not to call. This is my final attempt to resolve this issue before getting a consumer protection attorney involved.

Company response to consumer: Closed with explanation