BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammed..!! 

XX/XX/2019 Deposited cheque of {$6700.00} through Mobile deposit of BOA. 

XX/XX/2019 Cheque was cleared and I called and confirmed the same later which was added to the total available balance. 

XX/XX/2019 Made a XXXX transfer of {$2500.00} as the cheque was cleared and available. 

XX/XX/2019 Cheque went on hold and returned and also charge back fee of {$12.00} charged as Return Fee. 

XX/XX/2019 - Called BOA and reported about these transactions they redirected to BOA XXXX Department and asked to create a claim, created a claim and heres the claim number : XXXX for which they will take from 10-45 business days and without any guarantee that Ill be getting my money back. 

XX/XX/2019 Tried to get some help and approached home branch at XXXX, NJ they asked to schedule appointment during weekdays and shown no interest in assuring or guaranteeing about the claim money for {$2500.00}. 

XX/XX/2019 Again post scheduling the appointment with home branch my spouse had a quick conversation which again was not helpful and was a disguise. 

XX/XX/2019 - Tried following up with XXXX Department at Bank of America they responded that they where unsuccessful in getting the funds back from the other bank of the scammer.

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 2019-09-23
Company: Nelnet, Inc.
State: KY
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 did not authorize the consolidation, my information on the application is incorrect, and I should not be made to pay a higher interest rate or have my credit score dropped ( already occurred due to the closing of my other accounts ) for something that I did not request. 


I was advised via a letter that a fraud investigation was completed and that Nelnet had confirmed that fraud or forgery was not committed in relation to this account. The decision was based on the following actions you took, which acknowledged the debt as my own : Applied for forbearance I was advised to do so per the Nelnet operator I spoke with on the phone who updated my address, phone number and email address. She said that the loan with be in forbearance while the fraud investigation took place. 
Consolidation of loans- I did NOT authorize my loans to be consolidated so this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a FHA mortgage in good standing with Suntrust Now Truist, I asked in writing to have my Mortgage Insurance Premium removed as soon as my loan reaches a LTV of 80 %. We fit all requirements for this, our loan is at least 5 years old, and we have no delinquent payments ever. I received a letter back from Suntrust Now Truist on XX/XX/2021 stating incorrectly that they can not delete my premiums until my LTV reaches 78 %. 

The law clearly states that if I am in good standing and give them written notice, they must delete my premium charges as soon as I am below 80 %, and they must delete it when I reach 78 % if I take no action. I have given them the request in writing, and they have denied my request and have kept charging me the MIP every month. Their letter stated they would stop charging me when I reach 78 % LTV after XX/XX/2021.

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 2019-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX XXXX. I have already contacted FTC and the local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX XXXX. I have already contacted FTC and the local police department.

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 2023-05-20
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hey I purchased a car around XXXX of last year. I bought a XXXX for XXXX $ credit acceptance approved me for it. Now credit acceptance is charging me XXXX they hid additional cost from me now Im struggling to pay the loan back

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 2019-11-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Early XX/XX/XXXX, I got the mail notification from Citi Bank to close my saving and checking accounts because of several transactions. 


Actually, at that time I just bought a house and got a loan. So I paid {$9900.00} ( the  max daily allowance for early-payment ) to the loan bank several times in XX/XX/XXXX to access my loan payment. 


I explained this reason by phone multiple times. Then went to XXXX XXXX Citi bank and talked with some officer directly with related documents and evidences. She tried to help me to reach the particular department several days. I also confirmed from her that I could still use all credit cards and the mail was only about saving & checking accounts.

But unfortunately my saving & checking accounts were closed in XX/XX/XXXX, and to my big surprise, all my Citi credit cards were closed without any notification ahead. All rewards disappeared and not able to cash out.

I am a loyalty Citi customer since XX/XX/XXXX with several credit cards ( as my primary cards ). I feel so sad on this decision even without notifying me ahead. In XX/XX/XXXX I tried to apply a citi credit card and got rejected. 


I just wonder if I can get my rewards back as money. Just in one card -- double cash, I still had {$300.00} not collected rewards. Would you please help get back my lost from all credit cards?

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 2021-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have called several times to the following numbers provided it by Experian Only a automatic system which doesnt option to talk about my dispute or my personal information failing to provide consumers all the information that maintain about me It not letting me to talk with a live agent The letter I have received from Experian have fail to provide any date about my disputes So have try several times to talk with a live agent also failing to communicate XXXX erring my life negatively They dont answer me by XXXX Or XXXX making hard for customers to fix anything or to know about errors or disputes Failing to maintain communication and provide the right information with a automatic system that doesnt give me the options to do so I XXXX XXXX Blame Experian and make them liable for failing to provide me with any proper communication Ignoring me over and over Always going in favor or the corporations instead of the poor people

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 2021-03-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from XXXX XXXX XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: ALLY FINANCIAL INC.
State: TN
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: Investigation took more than 30 days

Complaint:
Ally Bank corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against Ally Bank and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the Ally Bank 's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my XXXX Credit report and as you can see, Ally first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and Ally 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current

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 2019-11-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.

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 2021-11-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Just want to fallow up with my case. 
Again Saturday ( Approximately ) between XXXX XX/XX/2021 someone went to chase bank in this location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX and withdrew {$9500.00} and went another location same day and withdrew {$500.00} XXXX XXXX XXXX XXXX, XXXX, WA XXXX I filed a claim with chase Monday XX/XX/2021 and chase claim department asked me to get an actual police report. And I requested a police report XX/XX/XXXX and I received the police report XX/XX/XXXX and a sent a police report to the The claim department. After waiting for five business days to resolve my problem, or reimburse my money, I got an email from Chase claim department, and they denied to deposit the money to my account. And they told me that they dont have enough evidence to dispute my claim. And they also requested officer Or detective to come both locations and look at the footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX, XXXX. XXXX Date opened XX/XX/XXXX Balance {$1100.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$6300.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$11000.00} BUSINESS Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on 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 2021-11-23
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has continue to contact me after ceasing and desisting all communication in behalf of a debt that is not an obligatory right of this company. This company claim i owe {$400.00} I have not given written consent to this company to locate my place of dwelling, in pursuant to an alleged debt not owed directly from me the consumer. This is a violation of the FDCPA, XXXX, Congressional title XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Diversified Consultants, Inc.
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'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3. Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: BBVA FINANCIAL CORPORATION
State: TX
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: Their investigation did not fix an error on your report

Complaint:
BBVA still has NOT updated my account to a XXXX balance and currently open credit card. It is causing my credit score to be lower with this balance that still does not reflext the correct current balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: SC
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:
In XXXX of 2017, I noticed a collection on my credit reports from XXXX XXXX XXXX that was incorrect. After disputing the information with the collection agency, the agency agreed to remove the negative trade line from my credit report. In XXXX, XXXX and XXXX  sent me documentation showing that they removed the account from my credit report while Equifax continues to show the negative item. I 've sent them documentation that I 've received from the CFPB as well as the collection agency showing that they have agreed to remove the account, but Equifax continues to report the negative information. I 've contacted the collection agency and they have advised me that they have sent the information to remove the account on multiple occasions due to Equifax saying they have n't received a request to remove it. I 've spoken with Equifax multiple times to resolve this issue, but they keep advising that the debt is valid when I as well as the collection agency has submitted the documentation showing the account was to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
American Honda Finance has reported an item to my report in XX/XX/XXXX. 
That item is due to be removed in XX/XX/XXXX. 

American Honda Finance has reported this item again ... just listed as a different amount and status. This account is considered a continuation of the original debt. 
It is a violation of law for any financial institution or finance company to report old, past due amounts as they are new again when debts are sold or charged off. 

I will look into the legalities of this and what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home flooded on XXXX XXXX, XXXX in XXXX XXXX, LA. My insurance company promptly issued a payment for the damages to my home. The payment was issued to XXXX XXXX XXXXl / XXXX XXXX and myself. They first tried to tell me I MUST hire a contractor to do all the work and tried to tell me it was required in my mortgage agreement. I read my mortgage agreement and it is NOT Required for me to hire a contractor. After calling them on that lie, they released the first 1/3 of the money for the repairs. When I requested the first payment they tried to tell me they only had to release money for the repairs that have been completed. WHO are they to hold my insurance funds. They are making me beg and jump through all kinds of hoops to receive the insurance money they are drawing interest from while they hold. I have allowed them to inspect the house to see the repairs are being done, and this still is not good enough for them. I can only do the repairs until my credit cards are maxed out and then I have to BEG them to release the money so I can pay the credit cards so I can start charging again to get the repairs done. This is costing me more because I have to pay the interest on those credit cards. This company is ripping me off and I need someone to stop them and force them to release the money my insurance paid so I can get all the repairs completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation