BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
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 status incorrect

Complaint:
On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from XXXX that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that XXXX has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from XXXX on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.

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 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On Monday XX/XX/XXXX, I withdrew {$110000.00} USD to my Bank of America checking account from my XXXX account. Upon completing my withdrawals, which I had to do in partial withdrawals to avoid XXXX error pages, my account was placed on hold. A {$880000.00} USD pending debit was added to my balance, rendering my overall balance extremely negative. 

I immediately drove to the bank and was told that the only way to solve this was to call a number. Ive been calling the number given to me for 4 days, all day long, and Ive just had my time wasted. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me ( once I got forwarded to a trailer park that had nothing to do with BoA ). 

I need to be able to use my funds for the following : XXXX XXXX, gas, food, bills, rent and overall essential expenses during a critical time. Bank of America has robbed me of my money for multiple days without providing reasoning or assistance. 

This is not an issue that can wait for 4 days. This isn't even an issue that can wait more than 24 hours. I demand that Bank of America appropriately assist me. 

I understand that the hold was placed potentially because I had to break many withdrawals into smaller equal sized ones to bypass the fact that any withdrawal from my XXXX {$10000.00} or greater is blocked, however the resolution of this hold is the problem, not the hold itself.

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 2019-05-17
Company: CITIBANK, N.A.
State: NY
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:
When I received myXX/XX/2019 statement, the due date for my next payment was delineated as XX/XX/2019. I paid the minimum balance of {$65.00} on XX/XX/2019. This payment is evidenced on my XX/XX/2019 Best Buy Credit Services statement. Strangely, Best Buy Credit Services imposed a {$27.00} late fee on my XX/XX/2019 statement. I did message Best Buy Credit Services on XX/XX/2019 to ask that my {$65.00} payment be appropriately applied to a specific promotional balance so as to avoid excess fees. On XX/XX/2019, the customer service representative messaged me back and stated that Best Buy Credit Services made the adjustment as requested. Without explanation, Best Buy Credit Services appears to have printed three ( 3 ) transactions taking place on XX/XX/2019 instead of the one ( 1 ) for my " online payment '' from my checking account. I checked with my bank and Best Buy Credit Services never returned the {$65.00} to my checking account, therefore the payment was paid by me to Best Buy Credit Services on-time and a late fee of {$27.00} should not have been imposed. I called Best Buy Credit Services on XX/XX/2019 and after a review by the customer service representative, I was told that it was Best Buy Credit Services ' mistake and that it would be taken care of. When I called today ( XX/XX/19 ), I was told that my account was sent to the internal collection 's department. The disputed {$27.00} late fee continues to appear on my account.I am concerned that I may lose the benefit of all my promotional purchases due to Best Buy Credit Services ' error as the promotions require timely payment. In addition, I fear Best Buy Credit Services may report my account more than 30 days overdue to the three ( 3 ) credit reporting agencies.

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 2021-10-15
Company: TD BANK US HOLDING COMPANY
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a used vehicle, and the dealer recommended I use TD Auto Finance as the lender. After securing the loan, I enrolled in TD Auto Finance 's Auto Pay Program, and received confirmation via letter of the same shortly thereafter. The letter in part described that " We will deduct {$1100.00} for your TDAF account beginning with your XX/XX/2021 payment and on the XXXX day of each month after that ... '' Subsequently, I received the SAME exact form letter every single day for the next 2-3 weeks in the mail ( and are still receiving said letter ). I contacted customer service at TD Auto Finance and inquired as to why this was occurring, and to ensure that there was no issue with my upcoming XX/XX/2021 payment. The representative at that time said I was one of several calls she had received that week with the same issue, being multiple form letters received in the mail. She assured me this would cease. It did not. Of a more serious nature, however, is that the payment was never deducted as agreed. On XX/XX/2021 I telephoned TD Auto Finance customer service again and inquired as to whether the issue was on my end. At which time I was advised that it was an internal software issue, that multiple debtors were affected, and I would be assessed a late charge for failing to make the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Risecredit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Hello, I did call and spend about an hour on the phone with customer service, and the billing department. They were of no help at all. Please send this email to someone who can help me and understands what a payment arrangement is, and also send to a manager. 
We have been long time, good customers. Always have paid on time. As soon as we started struggling financially, because of Covid, we reached out and made payments arrangements on the account. These arrangement were to keep the loan in good standing while I waited to go back to work. We had to do this several times, because the auto drafted payments werent being drafted. So I would log in and make a payment arrangement and a payment. We were diligent about this, because of our credit. Then I received another email saying that there was another program available to me, so I then signed up for that as well and paid the {$71.00} to enroll in. Soon after that with zero notice the account was charged off and 6 30 day lates were added to my credit report! All of this while our entire country is falling apart and people are fighting to keep their head above water. We were so careful to make sure we had the payment arrangements in place so this would not happen. This reporting should not have happened because of the payments arrangements were made and there was no notice. It caused our refinance on our home to fall through and is now causing many more financial hardships. Please remove the charge off and all of the 30 day lates. 
The account was charged off and paid, my balance now shows negative balance on the companies website Please someone do something about this. This is not fair or good business Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
caine & wiener send me a letter about collection of XXXX was over paid to my company from XXXX XXXX XXXX i called the caine & and wiener and spoke the person XXXX  i asked her to how do i owe this company money and asked her statement. on XX/XX/2021 she send me statement i called her and asked her to show me over payment made to my company and explain to me, she unable to explain to me, she said call company directly, i told her ur collection agency u suppose to explain to me she was unable to explain to me and hangup the phone collection agency REF # IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I'm not sure if it's too late to ask for help but back in 2012, I lost my condo in XXXX XXXX that I had for 19 years to a wrongful fforecloser! I was under a loan modification at the time that it happened and I done everything that they had asked me to and submitted everything that they asked me to and they still foreclosed on me! Then when the lawsuit happened with the five banks that were foreclosing on people I was part of that and I ended up getting I think {$1300.00} or something close to that! I still didn't get my condo back! And ever since me and my boys have been homeless and living in hotels because it messed up my credit so bad and it just devastated me mentally and I went out on stress leave and then I lost my job! So I'm not sure if there's anything that you guys can do to help me this many years later but if there is I would so appreciate any and all help! this foreclosure devastated my whole family and I had XXXX young boys at the time and now they are grown but my youngest has been in and out of jail ever since struggling with XXXX XXXX and XXXX   and I know a lot of it stemmed from losing the condo so thank you for your time and hopefully for your help have a good night

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 2019-06-21
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX sent {$12.00} to collection under my name and informations. I was not aware of this debt until XX/XX/XXXX when i pulled my credit report and it showed up under " Collections '' and caused negative marks on my credit report. By this time the debt was sent to Trident Asset Management for Collections and now it's in collection for {$62.00}. 

I made an attempt to contact XXXX to find the source of the debt, but they said they don't keep any records ...????? I contact the original collection company ( XXXX ) and they have the debt information, but no associated transaction # from XXXX to reference it by. 

I then called Trident Assest Management and they said i need to call to XXXX. 

I have a current account with XXXX since XXXX and it's paid upto date and do not have any other account with them. 

I am writing to see if you can investigate this matter into lack of basic accounting and accountability to send debt off to collection without notifying the customers. Furthermore, the lack of no original transaction # to reference the debt is not right. 

Shouldn't customers know what debt is owed by email mail or phone calls? instead of just sending it to collection and letting the customer in the dark until their credit report is pulled? 

Trident Assest Management acccount # XXXX XXXX claim # XXXX XXXX account # unknown

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Calvary Portfolio Services has re-aged one of my accounts that is currently in collections. It was opened in XXXX but is showing on my credit report as opened in XXXX. This is illegal and is preventing me from receiving an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase Sapphire Preferred and Chase Freedom Unlimited without cause or giving me notice slashed my credit limit on both cards by {$4000.00} and {$3000.00} respectively. I have made all payments on time and I always pay more than the minimum amount. I had to make credit purchases to cover unforeseen expenses such as automotive repairs. I called customer services and was told Chase could slash my credit limit at anytime and they were not required to inform me. This is unjustified and arbitrary on their part and I have been discriminated against for unknown reasons. I explained I am a XXXX  veteran and now XXXX   from the XXXX XXXX. I have always paid my financial obligations and by Chase slashing my credit limit has severely damaged my credit scores and placed an undue burden on my finances. The Chase Credit card corporation needs to be held accountable for their callous and mean spirited practices. Their reckless disregard for their customers is inexcusable. Chase slashed my credit limit on or about XXXX XX/XX/2019. I request your assistance to rectify this matter because Chase does not care about the consequences of their thoughtless decisions that in my case has caused an approximate 70 points drop for my credit scores. Chase should explain to your bureau why they approved me in the first place and without notice decided with what I feel is malicious intent and they are in violation of the law. As a citizen and consumer who has followed the law and common courtesy I will continue to pursue justice and notify my government representatives and the news media about Chase Bank Credit. They are greedy thoughtless cruel and unpatriotic corporate bullies. Please assist me in my efforts to expose their awful and illegal business model. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Account status incorrect

Complaint:
I submitted a complaint with you against Experian. So in retaliation Experian took a point from my XXXX without justification why.

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 2020-06-07
Company: SYNCHRONY FINANCIAL
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 am not sure who this company is. I was able to log in to my paypal account, But I have never applied for paypal credit. Please help me this inquiry should not be on my XXXX credit report. 

INQUIRER CONTACT DETAILS SYNCB/PAYPAL XXXX, MD XXXX ( XXXX ) XXXX ESTIMATED REMOVAL DATE XX/XX/2022 Inaccurate Info?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in regard to a letter I received from XXXX XXXX XXXX on XX/XX/2019, dated XX/XX/2019. The letter states that my deposits are not in accordance with First Hawaiian Bank rules and regulations and that we have decided to close your account. I talked to XXXX on XX/XX/2019, at XXXX XXXX and was told my account has unlimited deposits for the checking account I have with First Hawaiian Bank. XXXX XXXX only sent a letter that I included in the file upload with no explanation about what account deposits are not in accordance with First Hawaiian Bank rules and regulations. I never heard of someone's account being closed for making deposits. I have been making the same deposits with First Hawaiian Bank going on three years and really would like to know what changed on XX/XX/2019. I included my bank account statements for the last three years. I hope this would help XXXX XXXX explain exactly what deposits are not in accordance, this is a first for me. I was giving to XX/XX/2019, to either close my account or XXXX XXXX will do it on the bank 's behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX  asked me verified the account like not mine, but there is no way i can proof sometime is no mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Bread Financial Holdings, Inc.
State: FL
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:
I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX credit report. The error which prompted this credit report dispute includes late payment on XX/XX/2016, COMENITY BANK/XXXX. I am kindly requesting COMENITY BANK/XXXX to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Quality Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not aware of this collection which I recently noticed on my credit report. 
I was never contacted regarding this collection by Quality asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. QUALITY ASSET RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX $ XXXX/ {$440.00} - XXXX XXXX XXXX, XXXX XXXX XXXX, NJ 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 2020-04-30
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/20, I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Victoria Secret account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a zero balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a zero balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!

Company response to consumer: Closed with explanation