BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was an account holder with XXXX. My account # was XXXX. XXXX was notified that my Landlord revoked permission to have the dish on my roof. The rep was to cancel my account. I was advised I would NOT be charged a cancellation fee because it was my landlord who was revoking the permissions. A box was sent to me and the receiver was promptly returned. XXXX has acknowledged receipt XXXX XXXX, 2017. A few weeks later I received a bill for early termination and service use. I immediately contacted XXXX  and the rep I spoke with acknowledged my service should have been disconnected. She acknowledged I was being billed incorrectly for the termination fee. She also acknowledged I was being billed for two months of service after I returned the receiver. She advised me the issue would be resolved and I would receive no further bills. NOW I am getting a collection letter from IC Systems. They are advising my account is in collections. I advised I was disputing the debt. The collector stated I needed to contact XXXX directly. I spoke with XXXX from XXXX on Friday, XXXX XXXX, 2017. She was rude and disrespectful. She intentionally hung up on me and placed me back in the queue. The next representative barely spoke English and disconnected my call as well. I called back a 3rd time and XXXX  was my XXXX rep this time. She advised me XXXX did n't have access to my notes since the account was in collections. She advised I write to the corporate office. I spoke with XXXX XXXX at the collection agency. I was advised he was a manager. He offered to Settle the account. I advised him I am disputing this bill as false. I made him aware of my intentions to file a complaint. I have sent this complaint in writing to IC Systems as well as to the corporate office of XXXX in XXXX XXXX, CO. I am desperate to have this corrected. I do not want this falsely reporting on my credit bureau report. This debt is an error. If someone would take the time to read the notes on my file they would see the error by 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 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/XXXX, I deposited a check in the amount of {$3900.00} into my personal checking account. This transaction took place at the XXXX XXXX XXXX of Bank of America in XXXX, Georgia. These funds were to be electronically transferred to a third party as soon as possible. I did not to want to transfer these funds until the check had cleared, so I went back to the same Bank of America branch on Friday XXXX, XX/XX/XXXX, and spoke to the same teller who deposited the check on Thursday. She verified that the check had cleared and my online statement of transactions showed this particular transaction as completed, not pending. I asked the teller if there was any chance the funds were not in my account and she referenced the transaction statement and confirmed with a screenshot showing that the funds were received. I had no reason to doubt her. After talking with the teller that morning, I felt comfortable transferring the funds to the third party. 

On Monday, I learned that the check was fraudulent. I immediately went to the Bank of America branch and was told that I would have to talk to another branch at XXXX XXXX XXXX where I was told I had to contact the fraud department by phone. I have spoken to various departments several times and no one has attempted to be helpful except to say that it takes 1-3 days for a check to clear. I made a good faith effort to ensure the check had cleared. After all, why would the bank release funds before the check had cleared? That makes no sense. I researched this practice, and learned that a bank may release funds in advance of receiving them if the customer has the money to cover the funds in his/her account, or if the check is drawn on a major company or trusted source. Neither of these circumstances applied here. Also, I went online Thursday night before transferring the funds to see how long it takes for checks to clear and saw that several banks ( including Bank of America ) can clear checks in one day ( XXXX ), so when the teller said the check had cleared and the funds were available for transfer, I believed her. 

Now I am out $ XXXXmoney which I do not haveand it is befuddling why Bank of America has acted in this manner. I believe Bank of America is at fault for releasing funds which it had not yet received and for misleading their trusting customer ( of 20 years ) into believing the funds existed for transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo is stating I have {$3.00} outstanding however I called multiple times and all accounts are paid in full. This has affected my score by 40 points

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 2017-08-07
Company: JPMORGAN CHASE & CO.
State: CO
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:
t
his company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where CHASE accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately.
Account name CHASE Date of request XXXX/XXXX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
TransUnion XXXX is reporting a closed XXXX XXXX account with a XXXX dollar balance ( {$2.00} ). This information is incorrect because the balance is XXXX  and the account is closed. See attached screenshot for more information. I have verified with XXXX XXXX that the balance is 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 2018-07-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting a debt on my credit report for {$980.00} with due date of last report XX/XX/2018, last payment date is XX/XX/2018 and date of last activity is XX/XX/2018. I do not have or ever have knowledge of this debt they are reporting to the credit bureau. they report the creditor as N/A in the credit file. I called and mail the company many dispute letters to no avail. No original creditor is listed on their filling

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a revolving ( last four of the account number was XXXX ) and checking account with Bank of America back in XXXX. In XX/XX/XXXX I noticed drafts from my checking account in the amount of {$650.00} being taken for the past 10 months. I contacted Bank of America for further information and was informed that they were for a Life Insurance policy. I never gave authorization for such policy. I requested a copy of the  authorization and they indicated they did not have it. I demanded a refunded and they refused. They drafted {$6500.00} from my checking account total without authorization and then refused to refund their mistake. I had always kept on top of my financial obligations but was furious when they basically told me they could do what they wanted and that there was nothing I could do. At that point I closed the credit card and felt they had already taken the money that was owed to that card. I even told them that they by law owe me a refund because I never at any point gave authorization for any life insurance policy, they can take the money they owed me and pay off the credit card. That 's money I would have used to pay the balance had they not taken it!. They refused and I even had my attorney offer an additional {$1200.00} to release any and all claims BOA or it 's successors may have against me, which would have total more than what the balance was. That would have been {$6500.00} ( they owed me ) plus the {$1200.00}, giving them {$7700.00} to resolve the issue and remove it off my credit report. Just because they are a huge bank they should n't be able to get away with stealing and that is exactly what I feel this is. I have been fighting this issue since XXXX. If there is anything you can do to help me I would truly appreciate it.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has consistently denied me temporary credit to my account for fraudulent and dispute related transactions. On XX/XX/2020 I was advised that Bank of America was considering closing my accounts due to the number of claims I have filed on my account. All of the claims I have filed have been legitimate. The manager who advised me of this consequence also stated that Bank of America 's average customer claims in a one year period is two and I have had seventeen. 

Bank of America is violating my consumer rights by threatening to close a consumer account because of the number of legitimate claims a consumer has filed. 

The Federal Insurance Deposit Corporation guarantees a consumer 's account up to {$250000.00} if in the event the consumer experiences fraud or the bank fails. 

Bank of America in the past has issued temporary or provisional credits when I have filed a claim without having to wait the 1-10 business days. The manager advised me that Bank of America was no longer providing me the benefit of receiving a temporary credit due to the number of claims processed. 

Bank of America is violating my consumer rights by taking away a benefit they granted me in prior claims for my most recent claim. Bank of America is doing this to discourage consumers from filing claims. Consumers with legitimate claims will be intimidated or discouraged from filing legitimate claims because they will fear the bank will take their temporary or provisional credit away or the waiting period will be extended. 

Bank of America has a fiduciary duty to its consumers and to protect it from fraud and illegal activity. When a consumer reports its card lost or stolen Bank of America has a duty to restore the customers account without delay. 

Bank of America is in violation of the FDIC requirements to insure my account against fraud or fraudulent activity. 

For the reasons herein and supported by evidence I respectfully requests the Consumer Financial Protection Bureau investigates Bank of America and this complaint thoroughly. 

If you have any further questions or concerns please contact me directly at ( XXXX ) XXXX. 

Respectfully Submitted, XXXX 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 2018-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX I was browsing for tickets online via XXXX the site kept crashing and reloading when trying to make a purchase. I reloaded the page and it charged me for 6 tickets. I called Capital One to dispute the charge. After several attempts both in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with each rep telling me new information 's and a new task for me to complete the issue was never resolved. Now I am responsible for an {$1100.00} charge on my credit card which I can not afford This has been a nightmare and I do not feel I should be liable for a charge I did not consent too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Colony Brands, 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: Problem with personal statement of dispute

Complaint:
I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-27
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pacific Union Financial They have taken XXXX dollar 's from us and XXXX XXXX for Apprasails because the loan went from Conventional to FHA. We started the process in XX/XX/XXXX of 2018 and is now XX/XX/XXXX of 2018. They have given us 3 differnt close dates and we have spoke with 5 different employees that work for Pacific Union Financial out of the XXXX XXXX location and we were told one of the 5 is no longer with the company due to the way she handled our loan process in the begging. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. None of these employees have been able to close our loan for us we have sent them every document that they have asked for, they do not call back and the only person out of the one 's listed above that answered the phone when we called was XXXX. They are very incompetent and it left my family and i wondering if they are qualified for the dutys of their jobs. We are an exsiting customer of them and because of this we will be finding someone to refinance what loan we already have with them due to the struggle it has been to work with them. I strongly advise any looking for a lender to run far away if you see this company coming and to refinance if you are with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent and 3 letters telling the credit report to delete items thats on my credit that incorrect and they not respond back to me i been trying to get the items of my credit since XXXX and they still are reporting items on my credit thats incorrect

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: 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute innacurate account information on my credit file with equifax since XXXX 2017 provided proof of the information that need ot to be corrected letters have called numerous times to attemp to resolve it they state is fixed ive been trying to get a mortgage loan but every single time they denied mw because my scores are not reporting accurately and accounts are no being removed but are stil showing under a dispute status preventing the lender to pull accurate information and til this day already XXXX and equifax not only i was notify as been part of their fraud issue where my information was compromise not even an apology they havent been diligent in fixing this issue for me i tryed too many times cant no longer deal with them as they are very negligent i am a single mom of XXXX trying to buy a house for them and cant get pass this issue to be able to buy a home for my kids and get the opportunities i deserve because of them i decided to report them and even consider legal action agains them please help me i dont know what else to do or who to go to ive spoken to representatives supervisors and nothing seems to work once again thank you for you time and hope this resolves the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Experian Information Solutions 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:
XXXX XXXX/ XXXX XXXX Contacted company requested that they verify the debt, they were unable to do so, and they requested I reach out to Experian to have the item 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 2019-08-13
Company: Experian Information Solutions Inc.
State: NY
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:
A fradulent credit account was opened in my name in XX/XX/XXXX by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The current amount listed on my Experian Credit report is {$1500.00} as of XX/XX/XXXX. A hard inquiry was also made and placed on my credit report on XX/XX/XXXX. I first contacted XXXX in XXXX when I received a XXXX credit alert about a new account. XXXX asked that I provide my social security number and I informed XXXX that this was not my account. XXXX said they would look into the situation and get back to me and they did not. I contacted XXXX again and they said I would have to dispute the account with the credit bureau reporting the account which is Experian. In XXXX I wrote and sent a certified letter to Experian stating that this was a fraudulent account and both the XXXX inquiry on XX/XX/XXXX and the account be verified or removed immediately. After 30 plus days, Experian sent me a letter and a credit report stating that the account had been verified which is incorrect and false. Experian refused to remove the account. My credit score has dropped from about XXXX to XXXX and this is preventing me from getting lower interest loans and credit cards. This is cost me about {$300.00} per month in interest.

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 2020-09-02
Company: OneMain Finance Corporation
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 status incorrect

Complaint:
Impacted by the XXXX XXXX. Please have OneMain Financial remove late payments from 3 credit bureaus ( My credit report. I have explained to OneMain from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before XXXX  XXXX. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what OneMain has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that OneMain was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY ONE MAIN FIN. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX XXXX! The least OneMain can do is remove these late payments off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
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: Account status incorrect

Complaint:
Equifax is reporting late payments and the account status with XXXX XXXX is still open with a {$870.00} balance and over 120 days late. I have paid this account off in full. I have disputed the issue with Equifax but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Information belongs to someone else

Complaint:
on XX/XX/2020 i noticed on my credit report that a fraudulent account was posting to my Experian and XXXX report. I promptly sent out a police report along with a Affidavit and other documents supporting that i indeed was a victim of Identity theft. I waited the a lotted time to see this account removed and instead it was updated. If by law i supplied the proper documentation and police report how could that be?

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