BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX we transferred to Bank America Credit Card Account {$8700.00} from our checking account the amount above to pay the full balance of our credit card bill. Previously by phone we talked with the credit card company telling them we were going to do this. At that time we were advised that we had Bill Payer on the account and she walked us through cancellation of this Bill Payer pricesss. on line and we were told it was cancelled. That left a XXXX balance on our credit card account. On XXXX XXXX, Bank XXXX XXXX went into our checking account and exxracted {$88000.00}. This amount shows as a credit on our Bank of America Credit Card Account. This left us overdrawn in our checking account. On XX/XX/XXXX, we notified BA about this error. They said it was a clerical error on their part and it would take 5 working days to replace the money in our checking account. We did not receive the money in that time. We were then advised that it would take 10 days. We did not receive the amount again and we called and I was told that we would be refunded on XX/XX/2021. We were told at this time that they held the money in case something went wrong with the transfer of the {$8700.00} which was already in their account. I can not believe this is legal. My bank has been very patient since we have no money in our account at this point. We are an elderly couple in our 80s and do not have a lot of money. Pleased help us. Since all of this the amount of money in the Bank of America account has changed. On XX/XX/XXXX reimbursement amount was {$8600.00}. On XX/XX/XXXX it was to be {$8700.00}. This to me is taking advantage of the elderlly. I certainly know that if we were late in paying Bank of America we would pay big consequences.

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 2020-10-08
Company: Atlanticus Services Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Recently I was issued a new credit card from Aspire because it was alleged that fraudulent activity was detected on the initial card issued. The company did not return my {$99.00} activation fee and did not indicate how credit protection that I purchased would aid in this matter. Prior to fraud detection, I was only able to use 50 % of the available credit before purchases would be declined. As of this date, I have received a new card and recently received a notice that my auto insurance payment has been declined when there are sufficient funds to pay the amount due. The credit card verified there are sufficient funds but denied that the automatic payment was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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:
Dear Equifax I recently received a copy of my credit report and I notice there is ( are ) credit inquiry ( s ) made by : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand you are not legally allowed to put an inquiry on my file unless I have authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: MA
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:
The following is the information regarding specific incorrect reporting on my credit report that I sent to each credit bureau. 

Dispute sent to XXXX XXXX Consumer Disclosure Center : 1. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

2. XXXXXXXX XXXX XXXX XXXXXXXX - Late payment history listed for 3 months : XXXX, XXXX, XXXX, all of XXXX. 
This is incorrect. Please remove it from my credit report. 

3. Hard Inquiry - XXXX XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 

4. Hard Inquiry - XXXX XXXX Date of Inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

5. Hard Inquiry - XXXX XXXX XXXX Date of inquiry : XXXX XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 
_______________________________ Dispute sent to Equifax Disclosure Department : 1. Names Reported : HASSAYOU is what is listed and is the incorrect spelling of my first name. The correct spelling of my first name is XXXX. Please remove the incorrect name from my credit report and replace it with the correctly spelt name. 

2. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

3. 4 Late or Missed Payments Listed On Account - XXXX XXXX XXXX Months listed of claimed missed payment : XXXX, XXXX, XXXX, and XXXX all in the year XXXX. Please remove it from my credit report. 

4. Hard Inquiry - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

It has been over 30 days, and I have not heard back from either credit bureau. The items have not been removed from my credit report yet either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}

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 2021-10-26
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a 2-3 year old XXXX XXXX charge that has resulted in this colleciton of a measley {$100.00} I'm reaching out because this has been SETTLED for some time with this hospital yet this continues to show up on my credit report. 

XXXX XXXX XXXX addressed that the nurse mistook my information and noted I had symptoms for some while which was untrue - deeming this " XXXX '' and resulting in this charge. 

Please help to remove this collections charge as I have handled this time and time again over past months and attempted to dispute it already. Turning to you guys because I cant even get a *Pay for Deletion* letter from the Simons Agency Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Social Finance, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Back in the Fall I incurred some unexpected medical expenses. SoFi had a temporary forbearance program that included XXXX expenses. I applied and didn't hear back, so after a time I checked with them and they stated that they didn't received the required paperwork, so I resubmitted it all, but at that point they said since the bills were over 60 days they weren't applicable. So I've been struggling to catch up ever since. Along the way I've had some other expenses come up that have stretched my budget, I also submitted General Forbearance applications to try and get some relief and again they get rejected for arbitrary reasons to a point where again they can then claim they are too " old '' to be considered. Per the terms of the loan I am entitled to up to 12 months of forbearance assistance, but denying me in my opinion they are violating their own loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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've recently checked my credit report from XXXX, XXXX, and XXXX  and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The Bank of America fraudulent account ( Acc no : XXXX ) was disputed and deleted in XX/XX/XXXX. However, XXXX, XXXX, and XXXX  reinserted the fraudulent account after seven months without notifying me.

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 2022-04-04
Company: I.C. System, Inc.
State: KY
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:
A pay to delete letter with sent into the company in exchange for the balance to be paid off, the collection was not deleted, but only marked as closed.

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 2021-05-14
Company: Synovus Bank
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit card issuer collected my deposit of XXXX at the opening of my account. 90 days go by and they tell me I only deposited XXXX and had a credit line of XXXX. But this is incorrect. I has a credit line of XXXX and made multiple payments each statement. They never accurately reported my payments and then closed account. I never received my deposit and they continued to report on my credit for 4 months after closing the account late payments on a supposedly closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, There are fraudulent inquiries harming my credit report and my life. I have attached my Identity Theft Report as instructed by Equifax. 

Equifax must take it upon themselves to remove these inquiries from my credit immediately. 

The fraudulent inquiries on my report are as follows : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CrossCountry Mortgage LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have been receiving sales marketing calls from Cross Country regarding refinancing my home. I have explained to them i am not interested. I have receive marketing mail from this company. I have mailed back saying stop, not interested, do not mail. I still keep  receiving phone calls and mail. I received a phone call on XX/XX/2019 and than on XXXX XX/XX/XXXX where my credit report was illegally pulled with out a verbal or written consent. On XX/XX/XXXX the phone call with Cross Country the representative stated if i was interested in refinancing i stated not at this time. Than he went to say well i have a coworker who will just give you information about today 's rate. I hung up the phone. Than i receive an alert that my credit report was pulled from this company. I immediately called back XXXX it kept going to voicemail. Than i called the XXXX XXXX company listed on the credit report for Cross Country. And i asked why was my credit report pulled i did not give any permission to have it pulled. The representative stated i can dispute but they don't have to have permission to use my information to pull my credit report. But i will have to contact them to get a letter of deletion. The representative stated i will have to call the company to request. Than another representative called me from cross country ( XXXX ) stating i have great news to help you refinance. I said i never gave you permission to pull my credit report. He said but don't you want a great rate. I said no i never authorize at any time for you to pull my credit report or have access to my information please send a letter of deletion and put my name on your do not contact list. Than he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX on these dates disputed below without a response or awaiting 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

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 2020-12-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Commencing on or about XXXX XXXX, 2020, I fell victim to a multilayered scam operation orchestrated by various brands such as XXXX XXXX XXXX ( collectively : the Companies  ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via wire transfer and debit card, and through an intermediary named XXXX and XXXX XXXX in the total amount of XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail today, XX/XX/2020 from Convergent Outsourcing , Inc. stating that " the records of XXXX XXXX  show that your account has a past due balance of {$5500.00}. 

Creditor : XXXX XXXX  Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} Convergent Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX, NC XXXX I have never heard of XXXX XXXX. I don't have an account there and never have done any sort of business with them. 

I have an outstanding credit record. 

I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help! 

Thank you in advance for your help. I look forward to your response, Sincerely, 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 2017-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I walked into Chase bank to make a money transfer to another Chase account, I handed the teller an account number to do the transfer from my account to what I thought at the time was my XXXX account. Teller did the transfer did not confirm the name, just provided me with a receipt I went home had my XXXX  check his account and the funds were not in his account, i found it strange, but told him to wait maybe it was a hold of some kind since the amount transferred was for {$6000.00}. The following day the funds were till no in his account and I walked into the branch, that is when I realized the funds had been transferred to another account that was not my XXXX. I talked to the branch XXXX, I 've called relentless to the XXXX number provided and all they can tell me is there is nothing i can do to get my funds back. Its been over XXXX years and I still have not been able to be directed to the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited check on XX/XX/2020 Was told funds would be available earlier than XX/XX/2020 due to my banking relationship with bank of america, as a preferred client funds would be available 3 business days earlier. Funds were not available as promised. Thus resulting in loss of investment gains as this income was going to be utilized.

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I tried to get money from the ATM and couldnt. Then I checked my email and it said that my card was closed due to an violation that I know nothing of. I have money still on that card and I cant reach them by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to obtain my free annual credit report from TransUnion credit reporting agency. Made 5 days worth of attempts online via XXXX. Had absolutely no issue obtaining my credit reports from XXXX or XXXX online. I called the phone number associated with XXXX to request my credit report be mailed to me. I recieved the report in a timely manner only to read my TransUnion report had been " SUPPRESSED ''. I called TransUnion and spoke to 4 individuals that were unable to get my report sent to me. The last individual said he was the highest ranking official at his location. And that it was TransUnion that " Suppressed '' my credit report. I asked him to release it and he said I had to mail in a copy of my Social Security card. I am NOT comfortable with that! He gave me the phone number of their home office. After leaving 3-4 recorded messages ... .... still no return call. Gives me pause to wonder why a powerful credit reporting agency can operate what appears to be a scam/ sham operation. I never requested a credit freeze or any other similar service. I just simply want a copy of my TransUnion credit report as I am entitled yearly.

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 2020-04-24
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: Account information incorrect

Complaint:
There are accounts on my credit report that are inaccurate

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