BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Hi, Bank of America charged me {$900.00} in checking account maintenance fee over 3 years ( {$25.00} X 36 months ) on an account that I didn't want to open in the first place. This was an account I never used in the last 3 years. The terms of the account fees and services were misinformed at opening time. At opening time, Bank of America assured me that keeping a high balance savings account will waive any checking account fees and this condition was satisfied. Since I was told there would be no fee on all my accounts so long as I keep high balance in my savings account, I never expected any monthly fees. Since I never needed this account in the first place, I never paid any attention to it nor did I used it. It was only recently by chance that I realized I have been charged over {$900.00} in fees over 3 years on an account I never used. 

I believe Bank of America either intentionally misguided me into opening a second checking account without disclosing all the financial obligations or they were confused themselves and thus were unable to explain accurately the financial obligations to avoid account fees. In either case, I was persuaded into opening a second account even though I didn't want it. I only opened it because there would be no account maintenance fees. I would never have opened a second checking account had I been informed that I must pay any fees to maintain it. Bank of America informed me that they will continue to charge $ 25 monthly fees to this account going forward, despite my request to 1 ) refund all the {$900.00} fees, 2 ) close this account after the refunds are processed. To avoid monthly fees during this dispute time period, I added additional funding {$5000.00} to this account. But please note that this was purely for the purpose of avoiding paying additional fees. ( However, I found on on XX/XX/23, another {$25.00} fee was charged to my account. ) It was not my intent to agree with their decision or to actively use this account. I believe BofA 's failure, intentionally or negligently to accurately inform me the monthly fees schedule was the sole reason why this unwanted account was opened. Had they fully and accurately disclosed all the information at account opening, I would not have been misguided into opening this account. As verified by the lack of active activities on this account, it was never opened with the intent to use. I insist on a full refund of all the $ 900 monthly charges. It is egregious of Bank of America to misinform customers to open accounts never used only to charge {$900.00} account fees over 36 months and claim innocence for this practice.

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 2020-11-03
Company: WELLS FARGO & COMPANY
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received notice that Wells Fargo Home Mortgage was changing our account number on 2016. 

My credit reports states that the account was Sold or Transferred. It was not. It remains with Wells Fargo under a new account number. It was not modified or refinanced either. 

The issue is the old and the new reporting contains information for the same time period. It's not viewed as a duplicate account because it has two different account number via the credit bureaus but it is in fact duplicate for that time period as it's the same loan. We get hit twice with the derogatory reporting for the period 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 2018-10-08
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them {$860.00} on one account and again another {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I went to the Bank of America XXXX, NJ branch because I needed blank checks. 

I was shocked when the teller said that the Bank of America does not provide them. 

This was repeated by the branch manager. 

I was never told why not! 

The branch manager accused me of being negligent in not having my own checks. She failed to appreciate these possibilities : 1. Unexpected bills 2. Damaged checks 3. Need to write another check 4. Lost checks NO! She was adamant but said that as " an exception '' she would allow two free bank checks. But I said that I did not yet know to whom I was going to write my checks. She said come back with the information, forcing me travel miles home! OUTRAGEOUS INCONSIDERATION AND INSENSITIVITY! I am a senior citizens of advancing years with very serious medical problems indeed! 

I told her I would have to close my Bank of America accounts. She expressed no concern at all, no caring at all! It was it seemed to be just good riddance! 

This is how a bank treats it customers? 

Besides, the branch manager did not social distance despite my request and finally she did move back some feet! 

Nor were the various identification devices clean! Only once a day in the morning! How wrong as it is apparent the Bank of America has no idea there is the deadly and highly infectious novel coronavirus! 

And then there is this : The Bank of America dawdles with complaints I have failed. Never has an immediate answer! That is perhaps because the Bank of America thinks these matters are rocket science! 

And the CFPB is toothless and I say this with all due respect!

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 2023-04-05
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX. 

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-21
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items XXXX  not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: CarMax, Inc.
State: TN
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:
On this month, I reach out to Carmax auto Finance about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of Carmax working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 @ approximately XXXX, our small 2 person mobile repair company received a call from a truck owner who had a driver in distress on the interstate. Our mobile mechanic was dispatched and found the customers issue, in which he repaired. The customer was billed, the invoice sent via square text services and he then paid the invoice in full using his American Express Card. And the driver was on his way. 

The owner called back shortly after to advise the driver was pulled over about 30 miles from the original site with another issue. Our mechanic returned to the truck and found another issue in which we advised required a part in which our parts vendor wasnt able to provide until next day after noon. As an alternative, the mechanic repaired the truck enough for the driver to return to home where we advised it would need to be seen immediately by the customers mechanic. As a courtesy, the customer was not charged for the return back to the truck. A message notating the visit was sent which documented the encounter. 


Later that afternoon, the owner called a third time to advise the driver never left and they wanted us to get the part and repair the truck. This was done and billed. The customer paid agin using XXXX and the driver was on his way. 

We later received an email from square stating the customer never received the first charge we of course disputed and they still ruled in the customers favor as if they did not receive the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Sunbit, Inc.
State: NJ
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:
Submit Credit Card # XXXX XXXX XXXX XXXX Due to th several Federal Govt interest % point hikes in the last several XXXX or so months..it has become increasingly difficult to pay I am.REQUESTING some relief on the interest being charged on my account thru a company XXXX XXXX XXXX XXXX '' I am being charged several XXXX dollars in the last XXXX XXXX  days alone on this account and the account was placed in " forbearance '' which ended today XX/XX/2023 I would like to be CREDITED as a XXXX time courtesy of all interest and fees applied to this account while the account was in FORBEARENCE status Thx u

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: CA
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:
Experian/XXXX/ XXXX Account : XXXX XXXX XXXX XXXX Original balance : {$27000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX Balance : {$6600.00} Date opened : XX/XX/XXXX Never lived at the following addresses : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My rights have been violated : They are furnishing and reporting inaccurate information on my credit report. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions I have contacted them several times and just recently today XX/XX/XXXX with no successful outcome.

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 2020-02-07
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION PROFESSIONALS, INC has placed an account on my file for collection which is not mine, i have no knowledge of this Debt nor this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
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: Account status incorrect

Complaint:
Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX  XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted a complaint to the CFPB on XX/XX/XXXX regarding a servicing issue with Carrington Mortgage ( Complaint # XXXX ). Carrington Mortgage refused to use borrower 's pay stub to calculate income because pay stubs did not have year to date income totals. We sent a written response to Carrington from the borrower 's employer on the employer 's letterhead providing those year to date totals. On XX/XX/XXXX Carrington provided a response to the CFPB saying they needed more time to respond but sent a notice of cancellation dated XX/XX/XXXX to the borrower. However the CFPB has not received the same correspondence from Carrington Mortgage stating the file is canceled because the file remains open according to CFPB records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company sent me a letter stating that they would give me a 10 % discount on a debt. The debt was {$4800.00}, and according to their letter, they would allow me to settle the account for {$4300.00} ( a savings of {$480.00} ). The letter said I could pay online, so I signed up for an account, clicked on " offer letter acceptance instructions '' and followed the directions it provided to make my payment. I submitted my payment for the {$4300.00}. Then the next day ( today ) I checked the account, and it said I still owed a balance of {$480.00}. I called them and aside from being utterly rude and giving me the run around, they said that somehow I didn't check the right offer box when I made my payment so they will only consider it as a payment toward the entire amount. Basically, I made the EXACT payment they said would settle the account, but because I didn't check a box when I submitted the payment online ( a box which doesn't exist ) that I now  have to pay the full balance. I have copies of the offer letter and a photo of the the payment instructions on the screen which doesn't have any " offer box. '' I followed 100 % of the instructions.

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 2021-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 have sent letters to Credit Acceptance Corporation located at XXXX XXXX XXXX, XXXX, MI XXXX almost every two months, starting in XXXX of 2020. There are numerous inaccuracies on all three credit bureaus being reported as far as the late payments and past due dates. There has been no changes in the way its being reported and is affecting my credit very badly.

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 2021-09-01
Company: EQUIFAX, INC.
State: NJ
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:
You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I closed my Bank of America checking account. On XX/XX/XXXX, I received an email from BoA saying " Were letting you know that due to changes in the status of your account ( s ), your Bill Pay service has been inactivated. '' I login to my BoA online account, and I noticed two issues : 1 ) all my scheduled future payments for my credit card were deleted, and 2 ) I was not able to make a payment to my credit card using the Bill Pay. I called customer service and talked with XXXX. She informed me my external payment source needed to be verified. I asked her why as the external payment source has been used to pay the credit card for the past 6 months. She mentioned something about me using my external payment source as a one time payment and now it is being used automatic payment. I find the statement to be ludicrous as it is the same external payment source I used to make payments for the past 6 months and scheduled future payments until XX/XX/XXXX, and now BoA needs to verify it, especially after I closed my check 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