BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I recently received notices of the decision to close my credit card accounts for personal and business ( 2 of the 4 accounts ) : 27 year old, {$51000.00} credit line Account # XXXX 2 year old, {$10000.00}, Account # XXXX The reason stated Irregular authorized activity. Now my accounts are flagged as Bad Status. This is very disappointing for I have never had a negative implications or markers on these account or credit report. My credit history in impeccable. I pride myself on my established and strong credit reporting history and do not take this lightly of this unfortunate and abrupt termination of all my BofA accounts. 

It needs to be noted and high considered that this termination does impact my access to financial wealth, credit accessibility, and relationship with BofA. 

Permission to Add Authorize Users : To ensure I was not in violation of BofA credit card policy. On XX/XX/2020, I called and spoke to a representative named XXXX in the fraud department. I asked was the call being recorded and proceeded to ask for confirmation that it is permissible to add my described persons as an authorized user. She did confirm the call was recorded, and stated my intentions were permissible. 


In addition, I had more than {$400.00} Cash Rewards that is no longer available because BofA forfeited the funds. This too needs to be reversed, and a cash fund that I earned need to be allocated.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Credit inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, not authorized.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: OR
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:
Experian, and XXXX are committing fraud by keeping these accounts XXXX XXXX XXXX XXXX, and XXXX XXXX on my credit report even though these companies have sold the debt and no longer own them they need to be deleted immediately

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 2019-09-14
Company: KEYCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i bought a used truck and financed through keybank on XX/XX/XXXX. i refinanced through my credit union and the loan with keybank was paid off on XX/XX/XXXX. there was to be a scheduled payment on XX/XX/XXXX with keybank and i checked on XX/XX/XXXX and the loan amount was XX/XX/XXXX. it also said no payments scheduled. on XX/XX/XXXX they took {$1000.00} out of my checking account. the first time i called they said it was my credit unions fault and the money should go back in because there is nowhere for it to go. my credit union said the problem is with keybank. i called keybank again and they said they will look into it and call me next week

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: GA
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 accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 sectiion 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows ir has reasonable cause to believe that the information is 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
Consumer complaint received 2023-08-22
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear U.S. Bank Customer Service, I am writing to bring an important issue to your immediate attention. There appears to be incorrect or incomplete information related to an authorized user, XXXX XXXX, on my credit card account the timely payments are not reporting on his credit report and need to be reported. I kindly request your immediate action to rectify this matter. 

My details for your reference : Account Holder : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX card : XXXX Authorized User details for your reference : Authorized User : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Attached to this letter, you will find all necessary documentation to verify both my and XXXX XXXX XXXX ' identities. The documents include : A copy of my government-issued identification A copy of XXXX XXXX XXXX XXXX government-issued identification Proof of address for both parties I would like to request that you update our records and correct any inaccuracies as soon as possible. Mistakes such as these can have a significant impact on our credit histories, making it essential to address them promptly. Please confirm in writing once the required corrections have been made. 

The Fair Credit Reporting Act stipulates that you have up to 30 days to investigate and rectify any inaccuracies. However, due to the sensitivity and potential impact of this issue, I request that you expedite this process. 

Thank you for your immediate attention to this matter. Should you require further information or clarification, please feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX Attachments : Verification Documents

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
These accounts are in violation of15 U.S. Code 1681A. The investigation took more than 30 days 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 2023-08-22
Company: TD BANK US HOLDING COMPANY
State: PA
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:
my credit card information was stolen on 3 consecutive cards with TD. I spoke to a representative XXXX XXXX who spoke to both XXXX and the TD fraud department as well as credit card department. I was told I had to cancel token as this was the way the fraudster was access the information. I was given three new card numbers and each time the information was charged not shortly after by fraudster. I was told by TD that there was nothing they could do and this would be my responsibility to resolve. I was forced to cancel my credit card account hurting my credit score due to TD and XXXX XXXX inability to keep my card information from being stolen weeks after receiving a new credit card number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: Merchants and Medical Credit Corporation, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My case worker received the information on this debt. I believe that the original creditor is trying to collect the wrong amount of {$1500.00}. These charges are for damages made after a tennant moved from there residence in XXXX. I was renting that same trailer in XXXX. There trying charge me for damages that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-03-14
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint about SWBC mortgage, i see on the website that the complaint has ben closed. I have not spoken to anyone about this matter. I received a letter from the mortgage company yesterday that further supports my claims. This company 's actions should be reviewed. We have submitted military orders several times throughout the last six months. We received a letter informing us that we were denied modifications because there were no military orders submitted. The orders have been uploaded on the company website since XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: NC
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:
I am a cosigner on my son 's loan. I made 3 payments in the last six weeks. {$150.00} on XX/XX/XXXX, {$57.00} on XX/XX/XXXX and {$55.00} on XX/XX/XXXX. All of these payments were made by electronic funds transfer from my bank 's bill pay. The funds have been removed from my account. Navient says they received the {$150.00} but not the other two payments. They asked me to send proof of the transfers. I have sent my bank statement and a copy of the transfers FOUR times. At one time they said they received the {$57.00} but it went to the wrong address so they sent a check back to my bank on XX/XX/XXXX. The bank never received a check. They keep telling me to contact the bank. The bank did its job and can only tell me that the electronic transfer went through. I either want my money back or the money put on my account. I believe Navient has the money and now they have added a late fee I do n't feel I deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Allegiance Accounting Services, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have been harrassed and called repeatedly by Allegiance Accounting Services. I have been advised that i owe a debt from XX/XX/2014. I have asked who is the debt through and was advised of online company.I personally have spoke with someone from this company 3x on separate occasions. I was advised they show no sign of a debt or even an account on file for me owing any money. I have explained this to them, however they become more and more determined, rude, and assure me I owe. Request I pay ( three different amounts owed have been quoted to me ) I need to pay or I'll be garnished.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-22
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing the second complaint against Midland Credit Management, regarding their ongoing violations and harassment. 

Throughout this year, I have engaged with Midland Credit Management via telephone and USPS mail, in attempts to verify a debt associated with account number XXXX. On XX/XX/2023, I spoke with XXXX XXXX, a representative from Midland Credit Management, during which I expressed my concerns regarding the legitimacy of the debt. During this conversation, XXXX XXXX confirmed that the debt could not be validated and that no signed contract bearing my signature was in their possession. ( Section 1692g ) This situation aligns with the Fair Credit Reporting Act ( FCRA ) regulations pertaining to validation and removal. 

Subsequently, I disputed the account with XXXX on XX/XX/2023, resulting in its removal from XXXX on XX/XX/2023. As of XX/XX/2023, Midland Credit Management is no longer reflected on my consumer report with XXXX, XXXX, and XXXX. 

However, on XX/XX/2023, I received a mail via USPS from Midland Credit Management displaying their logo on the envelope. This action directly violates the Fair Debt Collection Practices Act ( FDCPA ), which stipulates that debt collectors are prohibited from revealing debt-related information on the communication envelope. Section 1692f ( 8 ), This breach is concerning, as it infringes upon consumer privacy and has induce distress, embarrassment, and harassment, Section 1692d. 

Upon opening the envelope, I discovered a letter dated XX/XX/2023, yet it was received by me on XX/XX/2023. Enclosed were the Pre-Legal Process pamphlet and a bill. This information is attached for your reference. Notably, since the aforementioned phone call on XX/XX/XXXX, I have not received any mail from Midland Credit Management, making this recent communication particularly distressing. 

It is evident that they are attempting to collect a debt that has already been expunged from my consumer report. The continued violations and harassment have led to significant emotional strain and distress. 

I've attached the following to this complaint : - Front of the envelope - Bill Instrument ( front and back ) - Front and inside of the Pamphlet - Envelope to send payment - USPS Informed Delivery to show when I received the mail - Screenshot of XXXX Dispute and Results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXXXXX XXXX and Select portfolio is continues to conduct unfair lending practices and mortgage fraud. 

XXXX claims I agreed to a Sub Prime Loan Modification. I never agreed to a Subprime mortgage. My principle balance was {$84000.00} prior to XXXX transferring my loan to their Loan Servicer ( Select Portfolio Servicing ). 

I have been waiting for the past 7 months to get a resolution with Select Portfolio for a Loan Modification, Now SPS is stating they need approval from the Lender who is actually XXXX XXXX. This is a mortgage fraud, XXXX told me to behind on payments to qualify for the HARP program. Now SPS is saying the same thing, my mortgage payment is {$980.00} a month and out of that amount only {$120.00} dollars goes towards the principle balance. 

Please add me to the Class Action Lawsuit against Select Portfolio and XXXX  for Mortgage Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2023 I tried logging into my chase bank account, Instead I was locked out of my account due to suspicious activity. I Called the number provided and was told my account was cancelled and under investigation and that I could not withdraw my funds. I went to a branch and was told the same thing. The rep let me know that I have an available balance of XXXX and that a check would get mailed out to me that I would receive it in 20 days possibly. This will cause me to miss paying my bills and me and my family the possibility of becoming homeless if the process isnt handled before 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repetitive harassment. Calling all hours of the day even after XXXX pm. Below is a detailed call log of the last year starting : From phone number : XXXX or XXXX ( XXXX ) XXXX XXXX from a XXXX  representing to be from PCI named : XXXX XXXX. Or same number ( XXXX ) XXXX Ext : XXXX from a XXXX representing to be from PCI named : XXXX XXXX XXXX XXXX XXXX from PCI XXXX  from PCI XXXX XXXX XXXX from PCI Ext : XXXX XXXX XXXX from PCI Ext XXXX XXXX Below are just the voicemails not including all the excessive calls in between where they didnt leave voicemails XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 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

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 2018-03-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. I called this company to find out what this mystery knick on my credit report was. They said I had an outstanding balance for XXXX XXXX XXXX from XXXX or XXXX. ( which means they are incorrectly reporting the time of this debt and it should already be expired and not subject to posting on my credit report ) 2. They did not have the correct address on file. ( I updated them on the phone call ) They had an apartment number that does not exist in my building. They had one number. Like XXXX XXXX XXXX. Every apartment in my building has 3 digits. example # XXXX or # XXXX. I have never received any mail regarding this debt and was completely unaware anyone was trying to collect it. If I had It never would have reached collections. 
3. XXXX XXXX is billing for return of equipment which was returned to their driver when they came in to set up a couple months later. I absolutely dispute the balance of this bill and had I known they were trying to collect it I may have fixed this inaccuracy years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, at approximately XXXX XXXX, I logged into my online savings account to try and cancel an automatic deposit. However, I have been unable to do that since that option is no longer available on their site. I called the American Express National Bank, who informed me that the only way to do this is through their cellphone app. I have XXXX XXXX, and by removing this option from there ( which I am able to zoom in and use ), and putting it in an app ( which is not XXXX  accessible ), they are purposefully discriminating against me because of my XXXX  and are preventing me from managing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CITIBANK, N.A.
State: VT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I still have {$820.00} on my Citi Bank Card. It should be {$0.00}. I havent used the card at all for any of the purchases. This is the 3rd time I am complaining. Citi Bank executive agreed that they will remove all the charges and its been more than 90 days, my issue is not resolved. Hence I am requesting to remove all the charges and my account should be {$0.00}.

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 monetary relief