BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a bank of america gift card, i found out yesterday that it had expired. Upon calling B of A the rep told me there was nothing she could do since it expired on XX/XX/2019. I had asked if the money goes back to the person/company that purchased it so i could contact them and have them go through the trouble of getting me a new gift card. She explained that the bank keeps the funds. Which I do not see as a legitimate outcome

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 'm sorry to say I don ; t have the exact date I purchased a wireless home phone from XXXX but it was in 2016. It came with a 14 day return policy no questions ask, so, because of low quality performance on the equipment I decided to return it within 7 days, remember I had 14 days to return it. So I took it in to the XXXX store here in XXXX, tx only to here them say I would owe a restock fee, that 's strange because at the time I made the purchase the sales person never once mention a restock fee, I informed them of this fact but they insisted that I owed the restock fee. The said it was in the paper work but they neglected to inform me of this. They became rude and started calling me trying to collect this restock fee but I refused because of their neglect to inform me. 
So now XXXX has turned it over to a company called Convergent XXXX XXXX the account number is .... 
XXXX I had already been in the hospital with a XXXX issue going on and did n't need this kind of non sense. Now they ( Convergent ) has reported this to XXXX  FICO 8 score further damaging my report. I want this non sense removed from my report. 
Thank you in advance for your help, I have herd you guys are great with helping people resolve issues. 
Thanks 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 2022-01-15
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please fix my correct updated address of : XXXX XXXX XXXX XXXX, IA 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 2022-01-15
Company: DriveTime
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to a dealership to buy a car. I intended to pay in cash. The salesman assumed because I was XXXX  I would need financing, and ran my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please fix my correct updated address of : XXXX XXXX XXXX XXXX, IA 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 2017-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX Bank of America wo n't coooperate with my lender ... It 's a whole other pay cycle and they still wo n't communicate the proper info.. Online bank was not taken care right either due to that I received XXXX in overdraft fees and it was the banks fault..

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 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I want to complaint Bank of American. I have checking account and credit card. 
I was contacted them since last year. I was try to working dispute the amount unauthorized charges. 
I went to branch Bank of America to deposit a money on the beginning of XXXX 2021. And i was told them account unauthorized charges. The employees at counter Bank of America order new debit card to me. 
After that when i was purchased items on internet I choose a payment from XXXX credit account. I didnt realized items I purchased charged on my checking bank account also. I was contacted Bank of America and XXXXl to resolve this problem. And i had told them im victim of XXXX XXXXXXXX from my ex spouse.and i have a hardship on financial because since he left me with nothing and never help me pay on the bills in community property or my expenses while Im unemployment and i have legs problems. 
XXXX still charged me unauthorized. And i was try contact Bank of American to dispute and resolve problems i was called bank of American use my cellphone number then when someone pick up suddenly they end up my called when transferred to claims 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 monetary relief
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: MO
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 HAVE FRAUDELENT ACCOUNTS THAT DOESNT BELONG TO 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 non-monetary relief
Consumer complaint received 2017-07-29
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On X/XX/2017, at approximately XXXX XXXX, I deposited XXXX ( XXXX ) one hundred dollar bills into the BBVA ATM in XXXX, CA, immediately after depositing the bills, I noticed there was a problem with the machine. The ATM emitted strange noises and the screen showed an error message, Take unrecognizable bills out, but the bills were not returned. The Deposit door on the ATM didnt open, and a few seconds later, the machine gave a message that it was Out of Service. I was frantic as to what to do, and I waited around for about an hour, spoke with two other customers who were unable to complete their own transactions, because of the malfunction with mine. I sent a message through the online portal and on Monday, X/XX/2017, I visited the bank and attempted to sort the problem out in person. The employees were dismissive, and wouldnt give me the time of day, rudely stating that they couldnt help me, because my problem was an ATM issue. After contacting the BBVA call center, numerous times, dealing with hangups and less than enthusiastic call center agents, and agents in the dispute department, finally on X/XX/2017 my deposit was credited to my checking account. Unfortunately this was not the end of this nightmarish experience. I was still charged NSF on that very same day, and additionally on X/XX/2017, well after there was money in my account to cover the charges. On XX/XX/17, I spoke with an representative of the bank, who identified himself as the XXXX XXXX, manager of call center in Puerto Rico. I ask XXXX XXXX about credits for the NSF charged by my financial institutions, and he told me It is policy not to credit insufficient charges ( outside of BBVA ) that  customers experience from a ATM malfunction. I asked him to provide evidence that this ridiculous claim was true, and his response was Its just known. He also told me that I had received all of the BBVA NSF that i was entitled to, but I received only XXXX out of XXXX NSF. While all the financial institutions that I am a customer to, expressed regret for my troubles, they will not reverse their fees, even though I am able to submit a letter from the bank showing a dispute and that the action occurred through no fault of my own. It seems that I am being penalized for BBVA faulty equipment and slow processing times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-06
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone get credit cad using my SSN from chase bank My SSN NO : XXXX DOB : XX/XX/XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance $ XXXX, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-15
Company: Experian Information Solutions Inc.
State: TX
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:
I mailed in payment and was never processed by XXXX XXXX and they hit my credit, was told it could have been the mail or their error. So I made payment over the phone and they said it would be corrected. Now they are saying it wasnt their error and will not remove it. I should not be penalized for this bank not processing my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: DISCOVER BANK
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have contacted Discover Student Loans about my repayment options and have signed up for a three month extension on my loan repayments. I would make my first payment in XXXX. I have gotten multiple calls and emails attempting to collect a {$50.00} payment, which should not be due until XXXX. I get up to three calls a day. I have talked with the company multiple times and confirmed that I do not owe this {$50.00} as of now and that they will take me off the auto dial list. I am typically removed from the list for about a week and then begin getting calls again. Each time I am called I talk with the representative and ask them to check the notes and they confirm that I should not be getting phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: IA
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:
Dear XXXX Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

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 2022-01-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
my original loan was for XXXX XXXX  bought my loan on XX/XX/XXXX for XXXX. 
years XXXX, XXXX my payments were late because they could/would not change my due date so that it would be due around my pay period so each month I was given a late fee. by XX/XX/XXXX my loan principal was XXXX I then made payments without late fees for the rest of XXXX, XXXX, My hXXXX  then had a major XXXX in XX/XX/XXXX. They reduced my payment but would not put it on hold. so again, I stopped paying XX/XX/XXXX. XX/XX/XXXX after my legal XXXX. I restarted auto pay and continued payments until XX/XX/XXXX. At that time i was made aware that I have paid so far XXXX dollars. For this loan of XXXX. They say I still owe over XXXX dollars. I think Since I have given this company double of what my loan is that it should be at least paid in full. 

I no longer have the well paying job that I had and at the age of XXXX have only been able to get part time work doing XXXX XXXX. They said I was not eligible for any of the programs to have my loan forgiven. 

How can I get them to accept the amount that has been paid as payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: WA
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:
one XXXX  fraud account was opened under my name, this accounts was placed back on experian credit reporting agency,  this is not correct reporting, this is fraud opened without my knowledge, i have disputed and was removed from all three bureaus, but experian is not cooperating and placed back again under my name, my whole life has been changed because of this, all my credit cards have been closed due to this inaccuracy they think this is mine and have XXXX  my life. 
please help, as a consumer i need your help to defend myself against these bureaus, i will be attaching my police report, please have this under you consideration appreciate

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 2022-01-15
Company: T.S. Holdings
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I received a letter in the mail from IQ data stating that I owe my previous landlord XXXX along with a letter breaking down the charges.I attempted to dispute this amount via XXXX  XXXX  but it was denied. I spoke with XXXX XXXX ( possibly XXXX ) during my move out inspection and asked her infront of witnesses just to have some sort of proof in the event of an issue, I asked her how much of my deposit they would keep she stated well I know you told us months ago you would not renew your lease and you were moving out but we will have to charge you up to one months rent for you moving out since its not in writing so you wont get your deposit of XXXX back we then did a walkthrough and she stated I would be charged for a small repaint in the kids bedroom due to a wall decor pulling paint off and the stove eyes needed to be replaced! So again I asked how much am I going to have to pay she said XXXX minus my XXXX deposit ( I have the person who helped me clean the unit willing to give a notarized statement of this ) Now this was done on XXXX due the office being closed on XX/XX/XXXX when we moved out and there being no drop box for the keys.The charges are ridiculous I have paid off this property once without asking any questions but I will not pay for something that was falsified I have my uhaul receipt showing I removed all of my things out of the unit on XX/XX/XXXX but they charged me for 3 days saying I still was staying there FALSE again.I have no problem paying for breaking the lease but the carpet paint and other charges are all incorrect the carpet was cleaned the week we moved out BY XXXX  Vendor due to a raw sewage leak. I know I am not the first to have an issue with them and I have previous tenants willing to take legal action in form of a class action suit against them for the same exact reasons.The pandemic was rough and I still had to move and provide for my children bc the sewage leak was a common issue and I didnt want my kids sick from exposure especially during the start of the pandemic.My lease is ending and just as Im applying for a new place I get this letter now if they are willing to talk about charging me for the lease being broken thats different but I will not just give IQ data more money than I actually owe like the last time I was told I owed XXXX but had to pay around XXXX to them to get it in good standing I need this issue resolved in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a vehicle from XXXX, my wife decided she wanted a different car, ( bigger ). I returned to Reedmans and asked what can be done? I was returning the lease 9 months early ( XXXX of 2017 ). The salesman stated that they would have to do an inspection of the vehicle first before anything else. After the inspection the salesman stated we are good to go, I do not owe anything on the lease. We then proceed to fiance a different vehicle. XXXX 2017 I received a call from Chrysler Capital ( XX/XX/XXXX. ), ( the company that XXXX used for the lease ), and stated I owe them {$690.00} dollars for wear and tear and they sent me the bill. I did not receive a bill from them. They stated I could make the payment right over the phone and I informed them I will not pay. XXXX did the inspection and said I owe nothing. They then stated they will send out another bill and I would have to negotiate with XXXX. I informed the person on the phone that that was already done when they did the inspection. They stated they will not contact XXXX for any payment. I called XXXX twice, both times leaving messages, explaining the issue in detail. I have not received any call back. I sent an email explaining the issue in detail. I have not received any response. I want this issue resolved, I do not want it affecting my credit. I believe I am being scammed by both of these companies and something needs to be done about it. {$690.00} dollars may be peanuts to these XXXX dollar companies but to me and my family its a large amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: AES/PHEAA
State: IL
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:
XXXX XXXX XXXX IS SELLING MY STUDENT LOANS TO XXXX. XXXX is known for their snake like tactics and poor service to consumers. They are being sued. I also do not believe AES has the appropriate data to prove they are he owners of the loans as they refuse to provide the agreed terms on my loans when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Bread Financial Holdings, Inc.
State: CO
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:
I had a XXXX credit card with Comenity Bank and they ended the XXXX Credit card program, I have since paid the card off and they are charging me a {$2.00} free on a closed, paid off account. The fee has no explanation, it is just itemized on my statement as a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke to an representative at Transunion Credit Reporting and indicated I was a VICTIM of their inquiry issue. 

The representative refused to help 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 explanation