BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America claims they are not able to verify information given about identity. I applied for a checking account on XX/XX/19. The application process for the checking account included providing DOB, SS, ID number and address information. I also went through an additional verification process wherein I answered questions related to my identity regarding past addresses and financial information that would be known only to me. After providing this information, I was immediately notified that I was approved and also received an email that stated my account had been approved, which had account terms and conditions attached to same. I was immediately prompted to create an online account where I had access to my account and routing numbers and was offered an electronic debit card. A physical card was also mailed to me and I was notified of same on XX/XX/19. I visited a branch on two occasions and presented valid government issued ID, which was verified by a teller on both occasions and scanned into their system for verification, yet on XX/XX/XXXX after account opening there is an error message when I try to login to online banking telling me my account is locked and to call XXXX. Upon calling this department I am notified that my account has been closed and that I can only get my opening deposit back in the form of a check by mail, which was a lie, because I was able to go to the branch and withdrawal the funds. I even received emails asking me to rate my visits to the branch. I have called this number back 3 more times and asked for the reason why they tell someone they are approved when the application could still be denied, they have refused to provide me the contact information for the department that made the decision to close my account. Held on the phone for a supervisor for an hour and 10 minutes, only to be hung up on because they closed for the day. I still have not received electronic written correspondence regarding the closure and no one I have spoken with will tell me why and when pressed I was told it was internal information that they do not have to provide. In the past if a bank could not verify my identity I was asked to provide it. Apparently Bank of America 's process is close the account first, then make the customer who applied and was approved online to go into a branch and go through the entire process again for a whole new account, eventhough the customer has already been in the branch and used the 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 2017-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I accessed my online banking account to view a payment that was scheduled to be paid from my CA, to my car company ( XXXX XXXX ). My online banking did not show that a payment wasdue to come out, so I set one up -- never getting a notice that 2 payments were scheduled for the same company on the same day. On XX/XX/XXXX, I received an email notification that 2 payments had been  processed. I immediately called XXXX and was told to have a stop payment placed. I went to my local branch immediately and was told that a request for a stop payment was sent and would be stoppedon XX/XX/XXXX. This process did not occur in office until XX/XX/XXXX, as which time the payments were already in XXXX XXXX possession. A dispute was placed by my local branch to attempt to recoup those funds, however, I was told that since the stop payment had an order dated XX/XX/XXXX and the funds were processed  on XX/XX/XXXX that the stop payment failed and would not be processed. My acct is never negative, I 'm never overdrawn. I do however, have overdraft protection with my savings account -- which they drained for fees and to cover other payments that I have come out bi-weekly. My local branch was kind enough to refund what charges they could, but my account still remains negative. So, I 'm not out ~ XXXX because of 5/3rd 's negligence and poorly designed customer website. I 've been re-routed multiple times to many different divisions to no avail. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 2020-05-18
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told during the loan application process that my loan closing costs would be approxamently {$900.00}. I was asked to pay and did pay {$500.00}. For an appraisal. The phone conversations were with XXXX XXXX of Quicken Loans LLC. His E-mail is XXXX. His phone number is XXXX XXXX XXXX. After the appraisal was done I received a loan estimate in the mail ( on or about XXXX ). The loan estimate showed loan closing costs of {$8200.00}. I called XXXX XXXX and told him the loan closing costs were excessive and that I did not want to proceed with the loan. I have asked for my appraisal fee of {$500.00}. To be returned to me since I would not have agreed to an appraisal if I had been told of there loan closing costs. XXXX XXXX in an e-mail has indicated that they would not do that. 

I have read the CFPB rules and they state that the only fee a lender can ask you to pay prior to providing a loan estimate is a fee for obtaining your credit report. Credit report fees are typically less than {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: American Credit Acceptance, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
American Credit Acceptance loan number XXXX has cheated and committed fraud in the way they handled my car financing. I did a voluntary surrender of vehicle XXXX XXXX XXXX financed by them at {$7000.00} at 24 per cent interest rate. I paid {$2000.00} cash down payment. 

XXXX XXXX XXXX received the car back on XXXX XXXX, XXXX. The sold the car at an Auction for {$2000.00} selling the car for less the XXXX XXXX XXXX XXXX XXXX of {$6000.00}. Now they state I owe them an additional {$5000.00}. 

American Credit Acceptance stated they were going to give me a credit of {$1000.00} because the used car dealer XXXX XXXX XXXX tried to overcharge me for the car in the beginning of the transaction. 

I never received the {$1000.00} credit American Credit Acceptance stated was coming off the price of the car. 

American Credit Acceptance has Committed Criminal Fraud in the way they have handled my Loan. 

They are trying to make Double what the car was actually worth. I Lost {$2000.00}, I lost the car, and my Credit ScorXXXX went from XXXX down to XXXX. American Credit Acceptance should not be in business. 

I want an Investigation into the way they Handled My Loan and Also I want them Deleted Off My Credit Report. 

Waiting for your reply. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS DEBT WAS INCLUDED IN A CHAPETER XXXX CONVERTED TO A CHAPTER XXXX BACK IN 2010. THIS IS A 3RD PARTY COMPANY THAT PURCHASED THIS ACCOUNT FROM XXXX XXXX IN AN ATTEMPT TO CONTINUE TO COLLECT ON AN ACCOUNT OVER 7 YEARS OLD. I DEMAND THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT AND STOP ALL COLLECTION ATTEMPTS. 
CHAPTER XXXX CASE # 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 2019-03-06
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to deposit cash at the XXXX XXXX US Bank drive up ATM, I was taken through the entire deposit process. Finally as I accepted the deposit and the machine went to verify the funds, it, spit out the pictured error receipt I attached. I called the XXXX number listed on the receipt and they opened up a claim that could possibly take over a month to verify and was also told that I could possibly be offered a provisional credit in 10 days. Right now Im left with no funds to get me by and no solution from US Bank.

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 2020-05-24
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Coastal Credit, LLC
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: Problem with personal statement of dispute

Complaint:
XX/XX/2019 I asked for, in writing to receive original debt verification. I received a letter on XX/XX/2019 that stated, because they are the first party creditor they were not obligated to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Earnest Inc.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Two years ago I refinanced my Student Loans with Earnest. Refinancing helped consolidate my loans and it gave me flexibility in repaying them. Initially everything was great and I was satisfied. More recently, Earnest has made changes to their website, repayment terms, and general way of doing business it seems. I imagine this has to do with Earnest being bought by XXXX. I understand XXXX has been sued or is under investigation by the CFPB. It seems they have not learned from their past. 

Anyway, with their new interface I have had difficulty making a payment. The difficulty lies in making a payment either on the date or in the amount I have set up with their auto-pay feature. I have attached a document to help describe this. My comments in the document is italicized and in red. I will also attach my email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a debt validation letter was sent to National Credit Adjusters for my account. On XX/XX/XXXX, I received a letter from National Credit Adjusters that to properly investigate 30 days or more would be needed and that I would receive documentation of my debt validation when completed. I have not heard back from National Credit Adjusters since this letter and they have failed to provide debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi

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 2023-05-09
Company: EQUIFAX, INC.
State: IN
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:
These inquries are fraudulent and I need them deleted from my report. These are not mine. 
XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX EQUIFAX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXXXXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I noticed that my score went down forty five points. I called got the rudest special service person he was quick to talk but he doesn't listen to the issues I asked to speak to a Supervisor I knew was going to hang up. He said my score went down because of two late payments on the mortgage which was back in XXXX of XXXX and XX/XX/XXXX I told him my score was XXXX for quit sometime and why would Transunion wait all this time to take fifteen points of my credit. now XX/XX/XXXX I have spoken to the XXXX XXXX XXXX waiting on there response I am sure it is incorrect It seems the harder you work on your credit Transunion takes off fifteen points. They had know right to go that far back and lower my score. And the company will be contacting the credit Bureau. I am a victim of Identity Theft .I hope they don't go back XXXX and find another reason to lower my score it should be a law to stop issue like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.

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 2020-12-08
Company: Universal Fidelity LP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX as Custodian on my 401K is insisting that I pay {$670.00} in annual fees on an asset that expired and defaulted in XX/XX/XXXX. They demand a further {$370.00} to close the account. I have repeatedly asked that they cancel the asset since late in XX/XX/XXXX ; they refuse. I have asked for copies of my original custodial agreement ; they have not complied -- and indeed, sent me someone else 's confidential account opening information, including Social Security number, instead. 

They were carrying the asset at a false value for 6 years until I demanded that it be written down to {$0.00}, as it is expired and defaulted and has no market value. They have now referred the {$670.00} fees to a debt collection agency, Universal Fidelity LP. I believe XXXX XXXX XXXX is in breach of custodial and fiduciary duty and are only concerned about their fee stream. The clearly have NO IDEA what is going on with this asset and apparently want to assess me {$670.00} fees per annum in perpetuity for an expired and worthless asset. A responsible custodian/fiduciary should be looking after its client 's interest, not its own fee stream.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Army and Air Force Exchange Service
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a dispute with the Army & Air Force Exchange Service regarding the date I opened my account. I asked for a copy of my application, but they ignored my request for a copy of my application. They stated that the delinquency was correct and I am disputing that the dispute date is incorrect and the date that I opened my account is incorrect. That is why I am requesting a copy of my application. Please see page 20 for the dispute 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 2017-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates, XXXX, {$4900.00}. I have sent Portfolio Recovery Associates, XXXX several debt validation and Portfolio Recovery Associates, XXXX has not responded. Portfolio Recovery Associates, XXXX has alos reported this collection to all 3 of my credit reports. I have no knowledge of this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: IL
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:
Have contact all three bureaus and advised that I was victim of identity theft and accounts need to be removed that I didn't apply for or use. Requesting that the remaining accounts need to be blocked and removed. FTC Report # : 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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH ACTIONS AND MY CREDIT HAS BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I KNOW FOR A FACT THAT THE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT 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