BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America send me an unsolicited email message that contained the following statement : " Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Please do NOT send any physical mail to this address, especially mail containing sensitive information. 

Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored. '' Specifically Bank of America does not want me to contact them in writing regarding the matters of the unsolicited email message that raised multiple concerns.

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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2021-02-03
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and ALDOUS AND ASSOCIATES are trying team up and say I owe XXXX  {$330.00}. Which neither can provide an itemized statement for proof. I've asked several time for proof which no one can share. In XXXX I was furloughed due to Covid 19 and then laid off in XXXX. XXXX was always updated by me. During Covid my last conversation with XXXX was that I only {$67.00} ( {$49.00} annual fee + {$17.00} monthly fee ) I agreed to pay after I made my Personal Trainer payment arrangement of {$90.00} x 2 I still owed. In which my Personal Training ended XX/XX/XXXX per XXXX. I have bank statements showing these last two payments of {$90.00} made in XXXX of 2020. So they received my payments arranged! I then receive a letter in the mail from ALDOUS AND ASSOCIATE. Stating I owe {$330.00}, how??? And why am I now in collection? This is wrongly done by XXXX. I'm really confused and I want PROOF AND ALDOUS AND ASSOCIATES remived from my credit. I don't owe anything to ALDOUS AND ASSOCIATES. Please help me this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact Transunion, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?

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 2018-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mobile deposited a check on XX/XX/18 for a large amount ( {$6900.00} ) for a project/job I did. I expected there to be a hold on my funds for at most a week from Citizen 's Bank. I received a letter stating there would be a longer hold than usual. I thought, well this seems fair. They want to make sure it doesn't bounce or get returned. On XX/XX/18 I received another letter from Citizen 's Bank ( see attached ) stating that they are extending the hold of the deposit until XX/XX/18. It also stated that I would not be able to use or withdraw any of my funds from the account until then as well. What I wasn't aware of is that I also have no access to online or mobile banking. I can't even make deposits to the account or cash checks at the local branch. They totally cut me off. Because I wasn't expecting all of this ( the check has cleared and hasn't returned yet and shouldn't ) my account is now in the negative I believe. I receive checks often and now I have to pay rather large fees to cash them at check cashing places and also on mobile apps as well. I've called and asked to have online access restored but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransUnion is reporting false collections on my credit report. By law that is illegal. FDCPA 809 Violation Misleading False Reporting.

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 2018-09-21
Company: Hewitt-Capital
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am being harassed by a company that refers to themselves as XXXX XXXX   XXXX. My family, friends, and I get phone calls frequently stating they have an open case against me that is being filed with the county or that I need an attorney because Im being sued. These calls phone calls are disruptive to my work life and could cost me my job. Ive blocked them numerous times but they continue to call with different numbers. They are relentless. They tell lies, use fear and coercion to make you pay. The most recent number they called with was XXXX at XXXX to myself and my XXXX XXXX XXXX father advising a case was filed against me with the district attorneys office and I am being served. Nearly gave my poor old father a XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX I made a deposit to my Corporate Chase Checking account for XXXX at a Chase branch in XXXX XXXX, Ca. The bank made {$5000.00} of the deposit available and put a hold on the remaining balance until XX/XX/XXXX. The teller told me that the hold could be released if the funds are available and the check is cleared by the other party 's bank. On Tuesday XX/XX/XXXX the check was cleared by XXXX XXXX XXXX, the other party 's bank. I called Chase bank manager and had her verify that the funds are available but Chase still would not release the hold on the funds deposited to my bank. I have had this checking account since XX/XX/XXXX with no NSF. There is no reason for Chase to hold on to my funds. If as a consumer I went over my bank balance Chase would charge me overdraft fee for using their funds but I am not given the same protection when it comes to banks holding to funds that are mine. This is illegal and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. XXXX  has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.

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 2020-07-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. I received a letter from XXXX stating they sold it and that effective XX/XX/XXXX Carrington was my new lender. I have been making my monthly payments to Carrington since. I had some trouble with them in XXXX, I received a letter from my homeowners insurance saying they had not been paid. I contacted Carrington, it  basically took over a month for the issue to be resolved. On XX/XX/XXXX I received a disturbing call from a woman stating she was from Carrington on a recorded line to discuss my XXXX payment, but before I could say anything she said disregard this call. I said I already made my payment she said I know that's why I said disregard. ( she was very rude ) I asked her why she even called then she said to talk to you about your XXXX payment but I said disregard. The whole thing didn't make sense to me. So I asked her why they are not reporting my payments to the credit bureau she said I don't know let me have your social. I didn't feel comfortable giving it so she just hung up on me. I called the number back and it was in fact Carrington. I am trying to buy a new house and this is hindering me. I need this resolved as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: College Ave Student Loan Servicing, LLC
State: MA
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 recently refinanced and consolidated my loans from College AVE with another lender. The other lenders ' check to college ave was cleared on XX/XX/21 over two weeks ago and the payment has not posted to my account. College Ave denies receiving payment stating that my accounts are overdue. Customer Service has been very unhelpful and insists that I send a copy of the front and back of the check from the other lender before they contact another team to search for the payment. This is a lot of money to " lose '' on their end. I have requested to speak with a supervisor but was told that none were available even after I told them I was going to file this complaint. This is not the first issue I have had with this lender, it's just the final straw.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions Inc.
State: OH
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 a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH 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 2020-05-22
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 get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPTEDXXXX   XXXX {$13000.00} XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00} XXXX   XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$850.00}

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 explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPTEDXXXX   XXXX {$13000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX {$0.00} XXXX XXXX {$11000.00} XXXX   XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$850.00}

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 explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: CA
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:
I have two XXXX. An Awards ( ... XXXX ) card and a XXXX XXXX XXXX ... XXXX ) Sometime in early XXXX, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX XXXX Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX XXXX XXXX XXXX were being applied to my XXXX card. I discovered this error and contacted XXXX, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. XXXX moved the credit to XXXX on XX/XX/XXXX, or thereabouts, but never updated my payment history as promised. As a result I immediately received a XXXX past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/XXXX, however upon notifying XXXX, their fraud department and customer service departments tell me that I have a negative {$35.00} balance XXXX credit ). 

On XX/XX/XXXX, I received two letters from XXXX XXXX attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. 

I spoke with XXXX again, XXXX - XXXX PST on XX/XX/XXXX and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates XXXX 's lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if XXXX releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/XXXX. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except XXXX. 

Best Regards ... ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
the credit consumers are not accurate of what they say i owe them. reffering to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank , i have never open an account with none of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: AL
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 have a closed account on my Experian report that is reporting inaccurately. The payment dates are all wrong and it has a recent reporting date in XXXX, even though it was closed in XXXX. Experian is not removing the account and the inaccuracies are STILL there. I have disputed these inaccuracies and requested that they remove this account due to the inaccuracies however they have failed to do so.

Note- This only account is NOT on my XXXX Note- This only account is showing different information on XXXX  than what is showing on Experian. None of my 3 credit reports match because of this account and the inaccuracies. 

I want this account removed off my credit report IMMEDIATELY due to inaccurate information. 

Account name : 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 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX I submitted a dispute to Transunion with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.

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 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
12 years ago, I opened a student bank account with my mother and father. 7 years ago, I found out that they had judgments against them ; therefore, I went to my local branch, told them my problem, and was told that by changing my account that their names would be taken off of it, and I would not have their problems follow me. XX/XX/2018, I look at my bank account, and find out that it has been garnished. I call Bank of America,  and they tell me that my parents names are on my account. I try to ask for more information about this - given the statement about 7 years ago -, but the only thing I've been given is a number for XXXX. XXXX is extremely unhelpful in giving any information to either my mother or father about the garnishment, and their only motive is collecting on whatever debts they have. I've tried contacting Bank of America several times to  learn more about this garnishment, but each time, an associate refuses to give me any information. I get another account with Bank of America so that I can try to protect any future money ; however, I just received a letter in the mail saying that I'm going to be charged a processing fee of {$500.00} due to this garnishment, which I am not allowed to know anything about. I call Bank of America again today, and ask them if Bank of America is going to seize my new account to pay this. I find out that yes my new bank account can be seized for this secret garnishment, and any future bank accounts I get with whichever bank can be seized by my parents ' creditors due to a law called " right to settle '' which now forever ties me to this garnishment of my account. 

Bank of America has acted negligently with me as their customer by not ending my account 7 years ago when I had asked them to, and thus placed me in danger. Now while I'm trying to speak with them more to try to understand the danger that they've placed me in, they are refusing to help me in any way.

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