BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of XXXX, I opened an Advantage Banking checking account at Bank of America. I applied for the account as part of a promotion, where BofA was advertising a {$300.00} promotional bonus for accounts opened by XX/XX/XXXX, if {$4000.00} was deposited via direct deposits within XXXX days of account opening. After opening the account, I called BofA to make sure that the promotional offer was attached to my account, so that I would receive the bonus after completing the requirements. I was informed that the promotional offer was not showing up on my account, but that once I completed the requirements I should call BofA and provide the code XXXX and the {$300.00} promotional bonus would be manually credited to my account. 

I have completed the advertised requirements, insofar as I opened the account in XX/XX/XXXX XXXX prior to the XX/XX/XXXX deadline ) and I received $ XXXX in direct deposits from my employer ( {$3400.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX ). 

I called BofA on XX/XX/XXXX, with the code XXXX, as I had been instructed to do. I spoke with an agent who told me that I was not eligible for the promotional offer because it expired on XX/XX/XXXX. However, the terms of the offer state only that the account must be *opened* by XX/XX/XXXX -- *not* that XX/XX/XXXX is the last date on which promotional bonuses will be handed out. I have completed the advertised requirements and would like the advertised {$300.00} promotional bonus. 

For reference, the relevant terms of the offer are as follows : " Open a new eligible Bank of America personal checking account by XX/XX/XXXX ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within XXXX ( XXXX ) days of account opening. '' I have completed both of the requirements listed here. I was previously told that I would be manually credited the bonus after completing the requirements. I ask that I be credited the {$300.00} bonus as promised.

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 2023-04-15
Company: EQUIFAX, INC.
State: IN
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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Resurgent Capital Services L.P.
State: TX
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/2022, the company reported a last payment balance in attempt to Re-Aged the account. This information has already been disputed & they failed to correct they information its been over 69 days which my report still showing wrong information. I would like them to remove/delete this negative impact off my credit report it is causing extreme damage to my reputation and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank, JP Morgan Chase, removed {$1300.00} from my account claiming that one of my payroll checks was deposited twice, both mobile and the live check. The money was removed 3.5 weeks after my mobile deposit was accepted and the original check was destroyed. I informed Chase that there records were incorrect and provided definitive proof that a live check was never deposited. My payroll check was issued from XXXX XXXX. I provided Chase with the XXXX XXXX account statement that issued my check, which showed that there was only one transaction for the check in question. Still, this was not adequate proof for Chase to put my money back into my account. I was informed that a live check deposit always trumps a mobil deposit. They told me I had to open a claim at XXXX XXXX too, which my employer did. It has been 13 days since I first contacted Chase about their error. I have made phone calls to the customer support number on my bank card and to my local branch. Customer support has no record of my claim, and my local branch refuses to return my phone calls. I've asked for updats or documents and I've been told there is nothing they can give me. I was given a claim number on a POST IT note, but Chase customer support informs me that number is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: LEXISNEXIS
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submit a request several times to Equifax to delete the account ( XXXX XXXX ) due to the pay for deletion agreement with the company on XX/XX/ & Equifax is not honoring this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hi, I acknowledge the receipt of your email. I also acknowledgethat Capital One had refunded my money, however, following the return of my money to my account, I received an email from Capital OneXXXX XXXX notifying me that there has been a negative news report to my credit scores account by the credit Bureau which has affected my creditscores. That, my credit scores went down 38 pointsand if I have a question to call them! Surely I checked my credit scores to see it for myself what had happened. First, what I saw was that Capital Oneshowed that I have used 86 to 100 % of the credit line I have with Capital One ( Not to mention that I have not received a credit increase for a long time despite of my request for credit increase ) and that warranted a thumbs downmeaning it is possible that, that was part of the problem that lowered my credit scores. 

I did not find any new reported account issues as of XX/XX/XXXX, which might have affected my score to that extent of slashed down 38 points. I discussed with them what I think and believe had happened following my complaints against Capital One, that to me that is a retaliation for reporting their ( Capital One ) unlawful practice. Although Capital One claimed to have nothing to do with reporting anything to the Credit Bureau that will impact the loss of 38 points, Iview the matter differently, and I have confidence that because XXXX XXXX via XXXX XXXX part of my service with Capital One Bank to monitor my Credit scores of which every month they notify me of any changes in my credit report. Mind that, there has notbeen a new negative report for the past six months according to their alerts. And that was how they reported for the Month of XX/XX/XXXX that " everything looks good, nothing negative reported '' ... that was before filing my complaints towards the last week of XX/XX/XXXX. 

The negative derogative accounts have been there forsometime even though I have disputed them but never received responses from the three Credit Bureau and did not slash my score down. I don't remember any other time that I have suffered a credit report point loss like that in recent memory. Only after I finished car payments in XXXX that I lost 100 points from my credit scores and when I askedwhy, they told meit was because I did not have any other dept to pay to report to the Credit Bureau. 

I suspect that the slashing down of my credit score is a retaliation for my complaints against Capital One, and I would like to request investigation to this issuetoo. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: U.S. BANCORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I called in to dispute a late charge fee at U.S. Bank because I was not aware that I had missed a payment due to the fact that i had been unable to access into my acc. Earlier before, I had been granted access by a different agent into my acc. After, reviewing my account, i called and spoke with XXXX who was the first agent i spoke to dispute my charge and she attempted to make me believe that a fee could only be disputed after a payment had been posted. Therefore, if the payment showed pending, she would still not be able to do anything. She then only pressured me to make payment ( disregarding my request ). I was willing to make the full payment but i found this rationality odd. I then thanked her for her customer service and called back again. At this point, I'm speaking with XXXX who informed me that a reversal had been made on XXXX which is why she could not grant me this request. I then chose to request to speak with her Supervisor " XXXX '' but he too denied my request. He never recognized the fact that i had not been receiving the bills or that i had been blocked out of my acc to which i had just been granted. Very poor customer experience. I will be paying the XXXX XXXX dollar debt and ending my relation with this bank. I would however appreciate any help about the late fee ( its bad enough that my credit is affected due to a glitch error ). Yes, i could have called before but i was not aware my account was not up to date.

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 2023-06-14
Company: DISCOVER BANK
State: PA
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 was never late on the paid-off account listed above please show me documentation proof of transaction, showing i was ever late to support your inaccurate reporting on my account if you can not support supply this please delete this alleged late payment from my credit report this is an invalid late payment please note that the FCRA allows 30 days for this to be rectified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: LA
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:
In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.

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 2023-06-15
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I turned off overdraft on my Wells Fargo debit account over a year ago. There were some bills charged to the account that I was unaware of and they were approved by Wells Fargo despite overdraft being turned off. They have charged me 7 overdraft fees totaling XXXX for payments that should not have been authorized

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 2023-06-15
Company: Credimatico LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Crediterium claims that I have a loan thats approved. However I can not get into review the contract. I am unaware if this is true or a way to attack my XXXX XXXX XXXX plus XXXX  or not. If it was a real offer I could easily open it to make an educated decision. I will be reporting all the companies who are not loan brokers that send the same information to the same people, which is intentionally forcing people into extreme high interest rates on purpose. This is not only to drive your credit report down but also destroy your XXXX score to ensure higher interest rates which the federal government refuses to regulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021, my XXXX 's credit account limit was lowered from XXXX to XXXX. They said this was done based on a review of my consumer file supplied to them from Equifax. I did not authorize XXXX 's to obtain an additional pull of my consumer file, whether it be soft or hard pull, I did not authorize it. Furthermore, Equifax has two delinquent accounts on my consumer file that should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: National Medical Administrators, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid for a free trial bottle from XXXX  limited king size. Only pay shipping ( {$6.00} ) 2 days later received phone call asking how i was going to pay for XXXX monthly membership. I said just to cancel everything then am not worries about it. Refund my XXXX dollars i paid for shipping on free trial. Im not interested. Called me agian everyday 5 times a day. Tried charging my credit card without my permission. So i cancelled my card to make sure they weren't stealing my money. Now i have a letter 3 months later saying they trying to collect a debt. In wich ive never recieved anything in mail and told gentlemen on phone 20 times to cancel everything. And they still owe me XXXX dollar refund. Now im worried they are going after my credit and hurt it unless i pay them. Tried calling numbers. They provided on debt collection paper. No answer. Left voicemails and no answer. We are in the middle of a pandemic. Money is very tight and yet they still trying to rob me and others if you lookup reviews about XXXX  Unlimited online. They should be in trouble for this. Its a massive SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was looking for my free credit report and was mislead into my Debt card being charged. On or about XX/XX/2019. 1 unauthorized charge of {$19.00} and 1 unauthorized charge of {$29.00}. I called Transunion XX/XX/2019 and the company rep agreed web page was misleading and reversed the {$19.00} charge and would not reverse the {$29.00} charge. I asked to speak to a manager and after speaking with the manager as a " courtesy '' he reversed the {$29.00} charge. 
The methods used to charge my card I feel are predatory.

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 2019-08-11
Company: SYNCHRONY FINANCIAL
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/2919 a fraudulent application was submitted for a Synchrony-XXXX  XXXX store credit card. I was notified via my fraud protection services and I immediately notified Synchrony and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. 

Initially when contacting the Synchrony Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days. 

On XX/XX/2019 I made a 2nd call to the Synchrony Fraud Team, and I was informed it would be removed in an additional 45-days. 

On XXXX-19 I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days. 

On XX/XX/2019 I again called Synchrony and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail. 

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.

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 2019-08-11
Company: GREAT LAKES
State: FL
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:
i attended XXXX university back in XXXX, i received a loan from Great Lakes student loans. i took off one semester when i tried to re-enroll the school was closed no more XXXX College at the time i didn't think to much of it until XX/XX/XXXX when XXXX XXXX , XXXX garnished my entire income tax. The FDCPA protect consumers against pre-judgement garnishments. Also seeing as though the school closed in XX/XX/XXXX and my entire income tax was garnished on XXXX XXXX if the school was already closed then the collection agency should have known, thus information should have been provided via letter, email, phone call, etc no attempts were made to contact me. i feel this has been a very unjustified way to do business by the Federal Government and its education branch im am seeking to recover my refund and plan civil suite for damages in the amount of {$10000.00} plus the {$5200.00} that was garnished do to fraudulent practices and misrepresentation of the truth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several formal written request to XXXX XXXX regarding two collection accounts that can not be validated. They are in the amounts of {$1200.00} and {$600.00}. the original creditors are Capital one and XXXX XXXX. My last dispute was in XXXX of 2018. They have not been able to provide me with any type of signed document from the original creditors showing that I owe this dept. This is required under the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Also they are still reporting every month to my credit report witch under the 611 ( 5 ) ( A ) states that if they cant provide me this information they must Promptly Delete It. I  feel like unless I am going to take them to court, they can do whatever they want and theirs nothing more I can do. Please Help me with this,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CARMEL FINANCIAL CORPORATION, INC.
State: MS
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, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMEL FINAN XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation