BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Bank of America which was promptly closed as soon as I put money into it. I went into the bank and the bank manager opened me a new account saying this will not happen again. I then started moving my assets into this new account, including cash deposit and paycheck deposit. Less than 5 hours after I made the cash deposit they decided to close my account and told me they are " mailing a check '' with my funds on it. I did not bring cash in there 5 hours ago just for them to mail it back to me in a check. I suspect this bank is committing fraud on a regular basis and I demand compensation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
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 a complaint against timeshare XXXX XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2021-10-26
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a current dispute for an XXXX transaction on my checking account with Fnbo direct. The refund was reversed because they say they didn't have enough information. I called today with that information. Last week the XXXX I transferred money from my savings account with them to an external account. I paid an express fee of {$10.00} for next day service. The external bank shows these transactions. Fnbo direct reversed the deposit and placed a block on the savings account with the funds in it. They are denying any and all traces of the transfer. They have no right to take funds from a separate account that has nothing to do with what is going on in the checkng account. The other bank shows the details of the transfer while Fnbo direct erased theirs.

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 2021-09-10
Company: EQUIFAX, INC.
State: IL
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 sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Messerli & Kramer P.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX I opened a XXXX XXXX Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This occurred with NAVIENT. This company is horrible and does not direct its customers properly. I had an old loan, which they failed to handle properly and on top of that, they have charged me ridiculous late fees that other providers have not. 

This company needs to withdraw my late fees ( around 300 ). 

They also failed to tell me about converting my OLD loan which does not qualify for IBR programs, such as forgiveness after 10 years of payment. I would be starting over, and I had opened this account back in 2005. 
This company was horrible in the mismanagement of my loan, and to this day the principle has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/ 2021 way over 90 days ago and I have not received no investigation results, I am being totally ignored and treated with no respect of my rights, concerning illegal reporting activities from the bureaus. I sent certified return receipt dispute letters out to Equifax, XXXX and XXXX regarding personal incorrect personal information and another inaccurate account listing as a repossession on my credit report. It is in Violation of The Fair Debt Collection Practice Act section 807 violation misleading and false reporting, this account is inaccurate and I am seeking litigation with proof of the letters I sent out and demand it be removed from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Well I sent over a copy of my ID, bank statement. The company said I was approved for a line of credit of {$350.00}. I talk to one of their representatives and he told me all I had to do is send over a copy of my pay stub. I sent that over and call back again. I talk to another representative and she said it will take 45- 1 hr to see if I was approved. I never received any info from them so I called back 5hrs later and they said I wasnt approved. I asked they why not? They told me because they said they needed a copy of my SS card. Right then I know it was a red flag because I never had to use my SS card for any loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Block, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX my card was charged at XXXX XXXX  for {$84.00}, i immediately called XXXX XXXX  and they stated that it was a Gas hold and i would need to call Square Banking to have the hold removed. I called SQAURE for three days straight, they told me it was XXXX XXXX  that needed to release the hold, then they told me it was an actual PURCHASE. on XX/XX/XXXX i disputed the charge online. i provided documentation from XXXX XXXX  stating that the hold was released. SQUARE never called me back. I have been trying to contact them for three weeks and no one is answering. when i send an email they say they will call me back and never call. I emailed XXXX, XXXX, XXXX XXXX, and XXXX. all reps saying they will call me in regards to the dispute and have not responded. I need a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: AES/PHEAA
State: TN
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 have been on an Income Base Student Loan Repayment for 11 years now. I applied around XX/XX/XXXX for the Public Service Loan Forgiveness plan the government has so my student loan servicing company switched from XXXX to fedloan. Final XX/XX/XXXX I called fedloan find out the status because I only have to make 120 qualifying loan payments for the loan to be forgiven and I have made them. after speaking to a fedloan representative ( id # XXXX ) he informed me that the records show I have only made 1 payment out of the 120. He stated that I have been on a different payment plan, I told him thats not true because I fill out the information every year to re-qualify and it says IBSLR plan. The representative told me unless I could show proof for the last 11 years there was nothing he could do. I told him I wanted to file a complaint and wanted an investigation started, he said with no evidence he would not do that. I told him I wanted to speak to a supervisor, he ask why I told him to file a complaint against him for not doing his job, he laughed and said give him a minute. He then came back and said he was able to see in XX/XX/XXXX a letter sent out saying it was time to renew the income base plan, I told him I still wanted to speak with a supervisor so he transferred me. Supervisor ( id # XXXX ) answered I explained all to her then she says noting they can do I would have to pay for another 10 years before I would be eligible. We went back and forth I told her the other guy found a XX/XX/XXXX document she said she could not find it and could not contact the other representative about it I was just out of luck. I told her I wanted to file a complaint and investigation she said I could not do that. I stated I would be calling the Department of Education to file a complaint against her. After back and forth she finally told me she would start an investigation even though she just said I cant do that. She then told me to investigate they would have to go thru 11 years of paperwork XXXX sent them to make an assessment of how many payments I have made that qualifies for the Public Service Loan Forgiveness plan and it will take 6 months to a year to complete. I told her that is unacceptable and she said that is the way it will be that I can just continue to make the payments because ( she said in a different tone of voice ) I am not eligible for the PUBLIC SERVICE LOAN FORGIVENESS. In my opinion fedloan is discriminating against XXXX XXXX workers. I have already meet the 120 payment requirement and submitted all paperwork to be eligible. Please help with this incident. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a dispute certified usps, which Equifax states that the dispute was started XX/XX/2021. Currently their website still states that the dispute is in process but it should have been completed by XX/XX/2021. Per the FCRA, their reinvestigation should have been completed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because Swiss Colony has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Kikoff 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: Information belongs to someone else

Complaint:
I emailed this company every day and no response! They have 3 different numbers and not one can be reach! It say I have a credit account with them. Im trying to report fraud and no one is responding. Someone use my social and my name for this. This is not fair. Each number given belongs to a cell phone number. So basically someone can steal someone social n identity and this company will allow them to get away with it. Theres no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I emailed this company every day and no response! They have 3 different numbers and not one can be reach! It say I have a credit account with them. Im trying to report fraud and no one is responding. Someone use my social and my name for this. This is not fair. Each number given belongs to a cell phone number. So basically someone can steal someone social n identity and this company will allow them to get away with it. Theres no help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A credit card was order using my information as fraud which resulted in a hard inquiry on my credit report. All three of my credit files had and currently still has a freeze on them so a credit card shouldn't have been able to be ordered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold {$300.00} worth of XXXXXXXXXXXX on XXXX XXXX. After the 3 dollar fee, I should have received {$290.00}. The XXXX wallet STILL shows this as pending to this date even though the 'arrival ' date STILL shows as Monday, XXXX/XXXX/XXXX. Obviously, that didnt happen It has now been 16 days for something that should have been relatively instant. 

I 've called over 11 times, emailed, tweeted, and have created tickets to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed the inquiries online with XXXX and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from XXXX. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.

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 2017-10-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XXXX I had a lawyer file with the courts a Stipulation of Dismissal regarding a debt from a previous landlord. The debt was never removed and was reported to credit bureaus and is inhibiting me from obtaining a competitive interest rate for my first mortgage. I spoke with the company recently and sent them everything I have from the courts and they never called me back to follow up with me. After multiple attempts to get the status of everything i spoke with someone who said they can not remove this and when I asked to speak to a manager they told me they couldnt transfer me. I had to call them directly and of course had no answer. 

The mortgage rates is significantly higher than it should be. The charge was dismissed in court and filled in a court. I have documentation confirming this and they still wont adjust what need to be adjusted.

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 2017-10-31
Company: Experian Information Solutions Inc.
State: HI
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:
On XXXX XXXX, XXXX I received a credit report and discovered that some information was is inaccurate or did not belong to me. I competed the online dispute form and submitted it. Four ( 4 ) of the disputed items were successfully submitted as being inaccurate telephone numbers and inaccurate XXXX information. However the disputed address where I never lived was not accepted and was instructed to telephone Experian to correct this issue. 

I immediately telephoned Experian at XXXX XXXX XXXX XXXX and waited on the telephone for approximately 45 minutes only to be transferred to there dispute department. But while on hold for for the dispute department for another 15 minutes I was disconnected. 

Today, XXXX XXXX, XXXX I telephoned again with a hold time of approximately one hour but but to no avail and experian.com/upload as suggested on there form is useless.

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 2017-10-31
Company: SUNTRUST BANKS, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To : XXXXXXXXXXXX ; I called in to put a STOP Payment on an ACH authorized payment and told the XXXX Customer Service representative exactly why. He replied the fee would be XXXX XXXX for the bank to STOP and reverse payment. I told him since I am calling in advance to STOP it ahead of time so that it would not have to be reversed. He then agreed to waive the XXXX and STOP the ACH from taking from my checking account. Then today XXXX/XXXX/XXXX I called to check my balance and it said XXXX. I called in at XXXX a.m. Another Spanish customer Service representative told me my account would be credited the fees from the overdraft and XXXX and quickly transferred me to the claims department to cover up their mistake. They made me submit a claim after they never reversed it and charged extra fees. The claim number they gave me was # XXXX. 
They were supposed to STOP payment ahead of time.. Days ahead of time. Why they are making me submit a claim for their mistake does not seem like proper bank protocol.

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 2022-03-12
Company: EQUIFAX, INC.
State: MD
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 disputed the inquiries online with Equifax and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the XXXX however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from Equifax. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.

Company response to consumer: Closed with explanation