BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-01
Company: NEW YORK COMMUNITY BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Today I contacted support and they actually helped out rather quickly, despite, the multiple screenshots I had to send, for them to believe it was my account. Please have my bank  NYBC au thorize for you to receive updates from the account. I really like the lighting speed money function works well and like that the money was debited on the same exact day I got paid. Not much of a compliant I guess but I just want my bank to know to please give updates to  XXXX . Nice app they have so far. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : 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 2022-09-12
Company: EQUIFAX, INC.
State: WA
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 XXXX XXXX during Covid 19 Pandemic was not able to make online payments on my mortgage, due to problems with the lenders online platform. I instead made payments by check thru certified mail. I have spoken with lender multiple times and they do not correct the error on there behalf. I still do not have access to my accounts online, and I am now suffering from the negative reporting that should had never been on my file to begin with. I was told that the late payment was going to be removed months ago. 

XXXX : XXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 Equifax : XXXXXXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/ 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Credit card paid full balance more than minimum asking for I had no balance XXXX then I received a interest rate with no charge I would like to close out my account with this credit card company as soon as possible Capital one credit card I had no balance after XXXX I paid on XX/XX/2021 no balance left until I received a interest charge just recently I paid my balance in full on time no late payment ever with this credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, 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 information incorrect

Complaint:
I called Equifax to discuss an item that needs to be removed but they said they could not find my file?? How is that possible? Its affecting my score! they had me on hold for 2 hours ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Receivables Management Partners, LLC
State: MI
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 received numerous threatening calls from Account Receivable Solutions, XXXX XXXX XXXX and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} XXXX. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: R.M. Galicia, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just recently I went to purchase a car and when they did my credit check they brought it to my attention that I have a small online loan that was issued to me from a XXXX XXXX XXXX I have never heard of this Bank nor have I ever banked with them. I have had my driver 's license and social security card and birth certificate stolen twice in the last 3 years I wasn't aware that there was anything on my credit report and now that I am I'm trying to cover all my bases before the situation gets any worse. Not only is there a strange charge from this XXXX XXXX XXXX online credit report but there's also a charge from some medical firm or something for {$1000.00} when I've had medical insurance the entire last 7 years so I'm trying to resolve that issue as well right now with my insurance company and I would like to have that taken off and credited on my account as well because you know I will get that paid and straightened out and it shouldn't be penalizing my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I was having an issue paying my auto-loan online due on XX/XX/XXXX so I was late on the first month because I wanted to pay online and needed to take time out of work to call in and inquire why, I called in and there was a technical issue with account linking, so I paid on the phone and I thought the account link issue was fixed. My second payment ( due on XX/XX/XXXX ) I tried to pay on time but again I could not pay it online so fell 1 day late. After PNC debt collector calls me I told them about the issue of paying online, so they transferred me to the online department. They informed me that payment of auto loans is not available via mobile app, only available on the website. The debt collector and the website said that {$760.00} was due but that was a fraudulent amount because that included next month, there is no reason but FRAUDULENT BUSINESS PRACTICE to tell me both on the phone and on the website that NEXT MONTH IS DUE. I actually paid the {$760.00} amount online because this is a new auto-loan and I didn't know the actual amount of the payment and didn't want to under pay or waste more time on the phone with PNC. These banks will charge me $ 35+ if I make a mistake however they make multiple mistakes and there is no recourse. I asked for monetary compensation for the fiasco on XX/XX/XXXX and this is what I received from PNC on XX/XX/XXXX : XX/XX/XXXX Message : Dear XXXX, Thank you for contacting us through the Secured Message Center! 

I am sorry for any difficulty in making those payments. The total due shows for the higher amount because it is accounting for the next months charges. Only {$370.00} is due however, as of XX/XX/XXXX. While we would be unable to provide a monetary compensation, we can provide some help in ensuring payments are made and on time with methods such as auto pay or using the online transfer funds tool to set recurring payments manually. Please reply if you will like some additional information on those options. 

If there are any other questions or concerns, you may contact us using the chat button below, or by phone at XXXX / XXXX. We are available XXXX XXXX to XXXX XXXX EST M-F, and XXXX XXXX   to XXXX XXXX on weekends. Please remember that PNC is also available via XXXX, XXXX and XXXX, XXXX XXXX to XXXX  EST 7 days a week. 

Thank you for choosing PNC Bank! 

Sincerely, XXXX XXXX PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/21 chase offered 20 % off on XXXX for gas on chase sapphire preferred card which l enrolled my card ending in XXXX into and filled up tank for {$35.00} on very same day, XX/XX/21. I called today XX/XX/21 to inquire about the credit l should have been given as it usually takes 2-3 days to appear on account online based on my previous experiences with all chase cards and other merchants credit cards. The agent l spoke to was super rude and said that if it doesnt appear within 5 days then there is nothing that they will do as its their policy not to make adjustments for promotional offers. Its not just ethically wrong but also falls under false advertisement and deception if they tempted their customers to use a merchant of their choice for their financial gains by offering rewards but later deny it. My reward comes out to be only {$7.00} based on {$35.00} purchase and my time is more valuable than {$7.00}, however, its a matter of principle and holding these big companies accountable for their actions. I also wanted to lodge this complaint so if its a constant issue and enough people report it then it should be investigated. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: LoanCare, LLC
State: NJ
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 do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2023-11-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My information and data with equifax was breached and they refuse to remove these accounts from my credit report. I will attach proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan provider is Ed financial. I requested a payment reversal of {$2000.00} to be done back in XXXX, 2023. They did reverse the payment but they just never sent it back to me. I have called multiple times and filed complaints and have had no luck. They have said they reissued the check multiple times and I still have not received anything. Also I have been making payment to them and the last payment reflecting is from XX/XX/XXXX. I have made 4 more payment since then and they are not reflecting. Please assist.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
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:
Credit Karma offered a credit card offer from XXXX and many other credit card companies seeking payments before being approved for credit card. I was notified to apply due to good chances based on my qualifications. I was immediately denied and this put a negative report on my credit. I was not seeking XXXX Card or other companies they promoted. Credit was being offered based on Credit Karmas credit monitoring which had negative affects on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Three calls were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and corrections still have not been made. 
On my first call I was asked to write a statement of request stating which of the 2 bank accounts I have listed in my account will be designated to pay which of the three loans. The website is poorly designed to accomplish this task. I need to create the word document, sign it, take a picture of it, send it to my email, save the jpeg in a file and then upload it on the website. The upload still hasnt shown up on the aidVantage site as a document I sent them. 
XX/XX/XXXX I receive an Auto Pay authorization document that they werent going to process my original request they directed me to send. 
I was also sent an XXXX which is a statement on aidVantages first intentions to bill me. It states 2 different payment amounts to be auto payed on the XXXX of XXXX. I called 3 times for a revised ecorrespondence and still corrections havent been made. 
The ecorrespondence and the website claim to pay all three loans from one of the two banking accounts without my authorization. 
The website claims that all three loans will begin payment on XX/XX/XXXX but the ecorrespondance and the representative can see that one loan to be paid on XX/XX/XXXX and the other two on XX/XX/XXXX. T There is no continuity in the financial information between the aidVantage website, ecorrespondance, phone representative and auto pay authorization form. 
The auto pay authorization form does not ask which loans will be auto paid from the banking account information they requested. 
***The auto pay authorization form is asking for banking accounts that are already on the aidVantage website and have been used in the past but now they are requesting a hard copy uploaded with the identical information. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Professional Finance Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.

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 2019-09-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is regarding my case # XXXX with Navy Federal Credit Union. On XX/XX/2019, I noticed an debit in the amount of {$840.00} from my checking account. I immediately contacted NFCU, and I was advised that this was a debit from XXXX. I then advised the representative that I had not authorized XXXX to debit any funds from my account. At that time I was given a provisional credit for the same amount. On XX/XX/2019, I noticed that NFCU had once again debited that same amount of {$840.00}, that as given to me as a provisional credit from my account. I have not authorized any transactions to XXXX in the amount of {$840.00} and I am in possession of my debit card that is linked to my checking account. I am requesting that the total amount of {$840.00} be returned back to my account. I am a single parent and to have unauthorized transactions debited from my account is fraudulent. I have paid my cellular phone bills to XXXX with my NFCU checking account when I was a customer of theirs, however, I am a customer with XXXX XXXX XXXX now and has been for 6 months. XXXX has obviously and without my consent used my previous payment information to withdraw the {$840.00} from my account. That is not fair and it's criminal. I did not even know that a company is allowed to keep your payment information on their files and use it at their convenience. If XXXX has a problem with me owing them money, then there are collection procedures and even court that can be utilized, but they should not be able to take money from my account without my authorization or knowledge. Please help me get this issue resolved because NFCU has not resolved this issue fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Central Portfolio Control Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
The following companies whom have not sent me proof of contract from original collector providing proof of debt are CENTRAL PORTFOLIO CONTRO, XXXX XXXX XXXX XXXX XXXX XXXX Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This is regarding Bank of America 's Alaska Mileage Plan Credit Card. 

I paid my Annual fee of $ XXXX on XX/XX/XXXX. I received a notice dated XX/XX/XXXX that the annual fee would be increasing to $ XXXX on my next account anniversary ( XX/XX/XXXX ). The notice stated that if I did not consent to the increase I needed to call XXXX before XX/XX/XXXX. When I contacted them on or around XX/XX/XXXX the automated service said the account would be closed, which it was on or around XX/XX/XXXX when the account balance payment posted. Since I had just paid the annual fee one month prior I felt I deserved a refund of the $ XXXX fee since I no longer has access to the account services. 

When I contacted Bank of America they told me they could not credit me the the Annual Fee because charges had posted to my account in XXXX after I paid the annual fee in XXXX, but before I receive the fee increase notice in XXXX. I feel this practice was unfair and somewhat predatory. I paid a fee for services that I was unable to use because I followed the procedures they set. I do not understand why I had to agree to a service charge increase 11 months before my anniversary date and by doing so lost access to the account services I had paid for. 

This may not be a large sum of money individually, but other people must have been subject to the same practice which seems like a way for BofA to collect large sums of money without providing any service.

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