BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My prepaid card account was suspended on Sunday XX/XX/2020 after making an online purchase at XXXX XXXX  XXXX I was not notified. I tried to use the card again about a half hour later to make an online purchase at XXXX and my card was declined. I tried to log into my account and I kept getting an error message. I tried again on Monday but still could not log on. I was sent a balance statement that gave my balance but did not say anything about my account being frozen. On Tuesday the XXXX I tried calling, but found out there was a long wait and couldnt stay on hold that long. On wednesday, I called again. After being on hold for 2 hours, I was finally connected to someone who told me my account was suspended but they could not tell me why. She said I should be contacted within 1-2 business days and to call back if I didnt hear anything. I called back today and waited on hold for over 3 hours. I was told the same thing I was told on Wednesday. When I told her Id waited 2 days already, she said I would have to write a letter. I asked, then demanded she put me in contact by phone, or give me a phone number. She refused, but did eventually connect me with her supervisor. He told me my account was suspended because a purchase I made went against their conditions for use. But he would not tell me what that purchase was. Since I had just gotten that card a week before, and only used it for the books, XXXX groceries and XXXX XXXX, I knew I had not made an illicit purchase. He said they had no way of contacting anyone who could help me but kept telling me to write a letter. I am filing this complaint because theyve kept my money without tellling me that they did it, or why they did it and without giving me a chance to dispute their decision. This has put me under stress and financial hardship as the {$140.00} I had in my account was all the money I have. Also my social security widows  benefits was set up for direct deposit into this account and the deposit was rejected. I now have to wait longer to get that money and take get something else set up and will have to borrow money to get things I need till then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an XXXX item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it 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 non-monetary relief
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Trans Union is been unwilling to correct my credit report and make updates and correct personal information. This is going on since XXXX til XXXX and NC Attorney General office has also tried to get them to fix this * Wrong places i lived * many wrong address listed * And my work history is also wrong as i have sent many times. My credit reports are wrong listed info You, ll see all my reports and copies is the same as they have had 4 long yrs is too long messing with these people

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 2018-03-08
Company: CITIBANK, N.A.
State: TX
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:
I HAVE ASKED XXXX ; XXXX TO REMOVE ME OFF THE ACCT AND CREDIT REPORTS. 

ACCT # XXXX XXXX XXXX SS # XXXX 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 non-monetary relief
Consumer complaint received 2019-09-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I graduated from college in 2008, during the recession, jobs were limited and I had XXXX dollars in student loan debt. 

Sallie Mae ( now Navient ) had then decided to raise the interest rates of my student loans from roughly an average of 5-7 % to 10-14 % on loans as large as {$22000.00}. As you can imagine, that destroyed my credit and I had to default on a few loans because I was working three jobs and paying for rent. 

Today, I stand with XXXX dollars in student loan debt, working as a XXXX  XXXX  XXXX and XXXX driver with two small  XXXX and a XXXX   who is also a XXXX. Every day we talk about how, if I had not had loans with this company, we would probably be in better financial standing today, tomorrow, and for our kids ' futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
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: Personal information incorrect

Complaint:
They still haven't deleted the old address. I have been a victim of fraud in the past and people using my information before.

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 2019-03-27
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of  the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter to Experian dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify Experian violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to Experian stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to Experian, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of the violation of law and refuses to remove this trade-line.

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 2019-03-27
Company: Experian Information Solutions Inc.
State: AL
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:
Experian continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. My payment date was changed with XXXX XXXX in XX/XX/2016, but Experian never updated the payment date on their side to reflect the new payment date. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2022-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I made a police report and called to Bank of America because I saw XXXX big transacctions that I didn't recognized from my debit card Mastercard ending XXXX - Fraud claim XXXX : XXXX XXXX PURCHASE XXXX XXXX NY {$2.00} XXXX XXXX PURCHASE XXXX FL XXXX - Fraud claim XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE XXXX {$2.00} INTERNATIONAL TRANSACTION FEE XXXXXXXX XXXX XXXX XXXXXXXX {$82.00} Bank of america after 7 days refused the claim and didn't refund the money, I made a police report about the situation I left copy of my passport to prove that I didn't make any travel in the last year and I also made a written affidavit, everything was sent to the bank by fax and they reopened the XXXX cases and about XXXX month later they refused again and didn't issue a refund. I have a lC3 complaint internet crime report too. I don't know who did it but clearly someone broke in and stoled my personal and banking data. 

Bank of America XXXX XXXX banking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia 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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

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 2019-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
It's against Bank of America : I sold a used old car and i get paid by a check, I deposited the check in my bank account and after it shows the amount in my account, I delivered the car. 
after few days, the check bounced back and my account became by minus, and the bank closed my account

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 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to dispute a charge on my Bank of America credit card ( Visa ) for {$310.00}, 3 times. The vendor 's name is XXXX ( XXXX ) and what I purchased was a voucher for 7 nights stay in XXXX. After several attempts ( emails and calling Bank of America directly ) BofA has declined my claim. XXXX went out business and filed for bankruptcy ; so I tried to get a refund from them before contacting Bank of America. I provided Bank of America all the information requested, the bankruptcy notice from the website ; emails ; my certificate, etc. and Bofa declined my claim 3 times. 
First, they claimed they did not receive any information ; then they said my dispute fell outside the timeframe to retrieve the funds from the merchant ( which is moot given XXXX is out of business now ). I contacted XXXX XXXX  regarding a different voucher ( XXXX ) and I was provided a refund immediately and without jumping through hoops. Bank of America has rejected my claim 3 times. This is unacceptable! 

Account number ending in : XXXX Case number from Bank of America : XXXX Thank you

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 2019-03-27
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My manger at work texted me and said she had someone call for an employment verification on me today, from a man named XXXX at XXXX XXXX at XXXX. 

Since Ive had identity theft before and worked hard to get my credit in order, I called XXXX XXXX XXXX to see what this was about. 

They informed me that they were hired by XXXX, but wouldnt give me a company name, and just gave me their number to call for details, at XXXX. 

I called the XXXX number and Midland Credit company is who the number belongs to. I spoke with XXXX XXXX and this woman said I owed XXXX XXXX XXXX XXXX, XXXX XXXX, and that thisbis an attempt to collect a debt. I explained my debts had been paid off over 15 years ago and above that, this is past Virginias Statute of Limitations which is 6 years. Midland Credit hired XXXX XXXX XXXX to call my employer. 

She said she could see that these judgements ( which I already paid over 15 years ago before judgements were made ), were expired and they would send them back to XXXX XXXX company, but that she saw two more accounts and needed to transfer me to a manager. 

She transferred me to a supervisor named XXXX ( with a XXXX XXXX  ). 
XXXX stated that there was a judgement for me for a XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These were also paid off around XX/XX/XXXX XXXX and the statute of limitations have expired. I should not have any judgements on me. 

I have worked hard to pay off my creditors back then and over 15 years later, multiple calls are being made to my employer. 

I believe this to be harassment, and the statute of limitations for Virginia has expired. 

While I was on the phone with XXXX, I was disconnected, so I called back and talked to XXXX. She big up on me. I called back again, and spoke with a man. He put a cease calling on my account, which is good, but I dont think it was legal for them to hire XXXX XXXX XXXX to call my employer. 

I am up for a promotion, and now this looks very badly on me with the multiple calls. 

Please have them cease and desist. Also, how do I ensure my credit is not ruined because of them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX I received a communication from USAA asking me to verify debit card activity on my account. I was traveling on business and didn't have access to the many references they require to deal with their customer service. They then put a block on my account so even routine transactions from trusted merchants wouldn't post XXXX XXXX, XXXX, etc. ) They did this on their own without consulting me or having any indications of fraudulent activity on my account. 

I don't live near a USAA branch so I have no other way to access my funds directly. 

When I returned home from my business trip I called them on XX/XX/2019 and spoke with XXXX. She refused to reactivate my card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A student loan servicer named XXXX XXXX XXXX , XXXX has reported a student loan under my name to XXXX XXXX. I have no knowledge of this student loan. I did not take out a XXXX  loan XX/XX/XXXX. I have been in contact with the company they insist that the loan is mine. The loan is not listed on the national student loan database. The company explained that is was because the school didn't do there part to enter the loan in the database.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Ameritech Financial
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 making payments to Ameritech Financial for 3 years and they have made no payments on my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-05
Company: Social Finance, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Hello, I applied for a student loan refinance through SoFi on XX/XX/2019. I was denied but the concern lies with the language used in their rejection statement and support from their chat support. 

SoFi Auto Response : " We encourage you to apply again if your situation changes at a later date. Examples include getting a promotion, starting a new job, graduating from school, paying down other debt, relocating to a new area, or earning a new degree. '' They didn't clarify " my situation '' so there's no view into what would need to change, but they actually state " relocating to a new area '' which is redlining. Is that still legal? 

I used the SoFi chat function to ask for a 2nd look at my situation. The rep, XXXX ( that's not a typo, that's the name ), said that I could call them up but the response would be the same. I explained that on paper my situation doesn't look great, but would like to know if they do 2nd looks. 

XXXX said they have minimum eligibility criteria and if I don't meet them then they can not allow me to proceed. The claim was this is a fair lending practice since they can not treat clients differently.

SoFi directly communicate they do not practice fair lending. If SoFi really did want to be fair to customers they would do a 2nd look to see if their algorithm missed an opportunity to lend to someone. I work for a bank and we all know the system doesn't always see the whole picture. 

The other issue in their response is " earning a new degree ''. If I'm already in debt from an XXXX degree and I'm declined for a refinance, how would additional debt for a 2nd degree put me in a better financial situation? This is an irresponsible response to potential customers.

SoFi should be clear as to why customers are rejected, and SoFi should be investigated for redlining.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions Inc.
State: AL
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:
Experian continues to report a late payments for XXXX XXXX Acct # : XXXX. Experian is reporting late payments for XXXX and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX that never happened. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX, but the late payments that continue to be reported by XXXX XXXX are erroneous and damaging to my credit scores. This account is currently closed and has been for years when this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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