BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
on XX/XX/2021 I received an email " stating Important Message from XXXX  DEBIT CARD : Dear User, this is to inform thatn your XXXX Debit card has been restricted. To get the restriction lifted, kindly verify at XXXX XXXX  XXXX. So I clicked on the email address, it looked like a Bank of America web site. But it asked me for my account number and password. I thought something was wrong because I don't have a B of A account. So I immediately closed the web sit page. I did reply to this email and stated I don't have an account with B of A. they never responded to my email. Then on XX/XX/2021 I went to purchase some gas. I used my XXXX  DEBIT CARD. it was declined. I knew something was wrong so I called customer service at XXXX and spoke with someone regarding my card being declined. I was told my account had a XXXX  balance. I explained to the rep. that something was wrong because I should have had {$520.00} in my account. I'm on XXXX XXXX. So I told the rep. that I would call back once I reached home, so I could tell them exactly when and how funds were deposited into my XXXX account. When I called back XXXX I explained to the rep. about the email I had received on XX/XX/2021 she stated that the email was a fraudulent email and that they had been receiving numerous calls about the same thing. I explained to her that I didn't give any of my personal information out. So she closed my card associated with the fraud. And reissued me another card. So the rep. explained that there were numerous charges on my card to XXXX. the crooks used all my funds and left me with {$15.00}. So the rep. advised me to wait and call back to Customer Service XXXX on XXXX and file a complaint and dispute all the charges made to XXXX. So I filed a fraud dispute claim on XXXX. I'm supposed to hear from B of A within 10 days. As of XXXX I haven't heard from B of A.. I'm on XXXX XXXX and I have to pay my bills. I feel like Bank of America should have given me my funds back through what they have called " Provisional Credit ' they can continue to dispute the fraudulent charges claim. I'm so disappointed with Bank of America for handling my situation this way. I'm going to contact XXXX as well. Can someone please help me get my money 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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX ; XXXX and Transunion are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.

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 2018-01-27
Company: AES/PHEAA
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company ( PHEAA ) took over Federal Student loan from AES for default. I started to pay on the loan with first payment of {$3700.00} to catch up on late payments and afterwards I resumes paying a monthly payment of {$560.00} x 13 months. I was suppose to be offered a Rehabilitation program after making 9 consecutive monthly payments within 10 months period, but I never heard anything. 

The original loan amount from XXXX XXXX was around 33,000. In the process of using a consolation loan company and going thru financial hardship after XX/XX/2008 financial crisis, the amount was raised to over {$75000.00}. I attempted to resolve the difference in balance thru my lawyer, but I was never able to a resolution. No one from the collection companies we have dealt with were able to show original documents to prove the massive amount of interest charged. When I last attempted to fix my credit report, I was told by PHEAA that I am still in default, that I will always be, and no matter how monthly payments I make, the status of default will never be changed unless I pay the entire amount owed which is currently sitting at {$72000.00}. So far, for the past 18 months, I have paid {$11000.00}, which would equate to over {$8000.00} in interest and collection costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, My Name is XXXX XXXX And I would like to report an unusual act with a credit card company! 

I applied for services that help increase credit building. I jsigned up and was approved for a secured card called Milestone gold/ Genesis fs card with a deposit of 125 dollars, With an approved amount of 500. 

My card came in the mail around about XXXX sometime and I ordered some items because my son and fiance birthdays were coming up and I wanted to buy gifts. 

I paid the amount back right away a few days or maybe it was the next day, However on line. 
And everytime I paid the full payment, the company kept reversing the money back And with out it ever showing up on my account. 
I even tried other ways by calling on the phone paying it through the automated machine, And as always it seems to be going good except the payment is always reversed back and eventually ruining my credit and constantly reporting it to my credit. 

After months of just humiliation, I was able to call and speak to someone because before I called someone mentioned that they aren't able to take payments over the phone only online or automated. 

So I didn't understand that when I called this time and I addressed my concern and the person took my payment, stating that the money has ro be reflected on the account at least 14 days prior in order for the payment to be processed. 

But this day it went through less than 48 hrs, Then they send me a letter saying the company has made a decision to process my payment differently from the other customers as if I am so much better than the rest of the people. 

I only wanted to pay them back, And received all this havoc and kids dealing with this company. 

I can't say, I am Happy! 

I believe that this is a fraud matter!! 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: EQUIFAX, INC.
State: RI
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:
Hi, on XX/XX/2019 Equifax received a letter sent by me by cerified mail returned receipt via the USPS requesting that they show me the visable proof they have on their files of the contracts or agreements i have signed with the items they have on my credit file. They answered back with a letter saying that i disputed some items which i did not, it was not a dispute, it was to see what proof they have on their files that those items on my file are mines. They said that they verified the items as accurate, they also said to canotact the furnisher of information about those items which i did and NONE of them have responded in more than 30 days violating the FDCPA. I sent a seconf letter to Equifax on XX/XX/2019 telling them again that i did not dispute those items and that i did already conatct the furnishers and none have answered me. So if the furnishers provided evidence that those accounts are mine to Equifax i want to see them, i want to see what evidence they have that those items belong to me since none of the furnisher have responded to my request, I asked them to tell me what person verified those items and using what method were those items " verified ''. those 3 items in my credit file were NOT open by me i do not know where they came from, im in the process of applying for a mortgage and just found out i had those 3 negative items on my file.This is hurting my ability to obtain a mortgage for a home formy family and to obtain credit and loans. i would like those 3 items removed. Attached are both letters i have sent them. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2020-12-22
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from Equifax, XXXX, and XXXX. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: R.A.Rogers, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The account was opened in XX/XX/XXXX. The company has continue to call me and also send threathening letters to me in regards to this debt. I explained to them numerous time that this account was paid off by the gap insurance that I purchased. The car was a total lost after Hurrican Sandy and it was paid off by the car insurance and also the remainder was paid by the gap insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: CCS Financial Services, 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:
I do not have a signed contract nor any contract with CREDIT COLLECTION SERVICE. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CREDIT COLLECTION SERVICE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Chime Financial Inc
State: VA
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:
CHIME took XXXX was taken. My statement is only showing 2 transaction when it should show 4 and they said they cant see my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After several attempts to XXXX, XXXX, and Experian to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC 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 2019-06-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After several attempts to XXXX, Equifax, and XXXX to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: Home Loan Center, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Was approved for {$2000.00} dollars didn't receive anything.Then They had me send {$100.00} XXXX XXXX  and {$170.00} dollars XXXX XXXX  and now they want me to send {$100.00} dollars for cancelling my loan which I didn't send and they won't refund my money that I sent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed Bankruptcy in 2017 which i had one XXXX XXXX act that was included in bankruptcy. now they are sending me notification stating i had a second account with XXXX XXXX that was not included in bankruptcy- However on that acct my first name is spelled wrong and i told them every thing i had with XXXX XXXX was included in my bankruptcy- I tried to have the debt validated, but they just send me back communication from XXXX XXXX with my name spelled wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Navient Solutions, LLC.
State: AZ
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:
In XX/XX/2019 I received an alert from the credit bureaus that a collection was placed on my credit by a company called General Revenue Corp, XXXX XXXX XXXX XXXX, Ohio XXXX ,XXXX for a XXXX balance at a school called University of XXXX . I contacted the University on XX/XX/XXXX and they informed me that it was indeed an error and that they have instructed the company General revenue to delete it with all three credit agencies. It has not been removed despite disputing it myself with all three agencies, XXXX, XXXX and XXXX it is repeatedly verified. I have contacted General Revenue who continues to inform me, both On XX/XX/XXXX and XX/XX/XXXX that they will be deleting it but it remains verified. I spoke to them again today XX/XX/XXXX and it is Sunday so they told me to call back again tomorrow. I have proof in writing from University of XXXX that they have requested removal dated XX/XX/2019.

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 2018-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA took {$170.00} from my account for a package of beauty cream from some company in Florida that I do not know who it is nor did I order. They say that this company has communication with me and that the post office did deliver it. I have never received any package. USAA claims the package was delivered according to the company, yet there is no signature of mine indicating I received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: AMERICAN HONDA FINANCE CORP
State: CA
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 have filed a complaint with XXXX  and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My business partner and I opened a Chase Total Business Checking account on XX/XX/2018 with {$200.00} in cash. We subsequently deposited a {$10000.00} check in late XXXX from our first contract. Without warning, our account was closed. We immediately went into the Chase location where we opened the account and were informed that the account was closed for " Suspected Fraudulent Activity '' which after further discussion was revealed to be the addition of a comma in the name of our business on the check we deposited. ( Our official name is XXXX XXXX XXXX. The check was made out to XXXX XXXX, XXXX. ) We were told that the initial {$200.00} cash deposit would be returned to us via check. It was. We were also told that the {$10000.00} check was not cashed, and so our client would need to stop payment and reissue the check to us. However, when our client went to do so, it was discovered that the {$10000.00} check was cashed by Chase. 

We have tried multiple times over eight months to resolve this issue, however we end up on hold with Chase for hours at a time. They have not responded to our numerous attempts to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
on XX/XX/XXXX I sent XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated, verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for your willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and 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