BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: Ability Recovery Services, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ability Recovery had a collection agency on my XXXX credit report NOW they put it on my XXXX   REPORT as of XX/XX/XXXX after they said they would remove from all 3 bureaus, original company XXXX XXXXXXXX XXXX XXXX  owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by advanced recovery at all, and statue of limitations have passed for a XXXX account, I WILL BE SEEKING LEGAL ACTION ON THIS COMPANY ASAP they re aged a XXXX account to appear XXXX, this is illegal. I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to obtain credit. Thank you

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 2021-05-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX/XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX, MN 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 2019-03-27
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Howard E. Schiff Law Firm in Connecticut emptied my Checking, IRA Savings, and Child support bank accounts yesterday totaling over {$3000.00} leaving me with {$0.00} dollars. I am a single mother taking care of a minor child ( XXXX year old daughter ). I was not served any papers, I was not notified of what even the debt was for. My attempts to get the money back from the firm have failed. I need immediate assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello I had over {$500.00} waiting to be deposited into my bb & t checking account but because of the long weekend I knew it wouldnt hit until Tuesday Monday evening I instant transferred some money into my account so I could purchase shipping labels from XXXX for my buisness and knew I was cutting it close but should have been enough to cover the {$36.00} in XXXX costs When I woke up Tuesday all was normal in my account and had over {$500.00} as expected Wednesday goes by same thing I went to bed with {$440.00} in my account when I woke up I had a slew of emails from bb & t and {$200.00} in my account They charged me {$210.00} in over draft fees for the labels Monday night Tuesday morning before the account hit I called and asked since I had the money technically at all times and may have been a dollar or some cents off if they could adjust the fees especially since I have never asked to get my overdraft fees removed when things like this has happened before They said bb & t had strict policy there was nothing they could do I was transferred multiple times and spoke to 2 different managers they just said that they marked my account that I had already asked and they said no and now no one will talk to me This is nothing short of robbery If I had been charged an overdraft fee they should have done so once not kept pinging my account they held my funds and then took them away days later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: RELIANCE FIRST CAPITAL LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted my information on XXXX on XX/XX/19. On XX/XX/19, a Reliance First Capital sales associate called me from a toll free number ( XXXX ). After hearing what he was calling about I told him I was not interested and hung up. Immediately, the same person called me back from a different phone number ( XXXX ). I picked up the phone and he started talking to me again. I told him again that I was not interested and he shouldn't be calling me again, and that I was going to file a complaint. He proceeded to tell me he wasn't breaking any laws. I asked for his full name and he told me he didn't have to tell me that and he hung up on me. 

I'm also submitting a CFPB complaint, because this type of harassment is not ok. You should be ashamed of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CONTRACT CALLERS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
When I answer, the person gives me a name, but refuses to state WHY they are calling. I do know that I owe 2 companies that I plan to pay ; however, when this number calls, they just keep asking ME my name, etc., and refuse to say who they are calling for. 

I therefore am not even sure if they are calling me correctly, for whom they are calling, or who they are. 

It is hard to discuss what I assume is a debt when they do not say what company they represent. They also call SEVERAL times a day, including while I am at work and can not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet student loans provider 1 ) I have been in contact with Nelnet several times over the last 6 years, I would sporadically call in to check on my Public service forgiveness. I was always told that as long as I didn't miss a payment, I was in good standing to receive this forgiveness after my 10 years of payments. I recently found out that I do not qualify after being told that I did for years. 
2 ) On one of my calls checking on my public service forgiveness, I asked for details on when my Loan would qualify for forgiveness ( time frame ). Later that week or month i was told that my payment was going up from {$150.00} to {$180.00}. Date of conversation was around XX/XX/2014. Only explanation i received was the payment was miscalculated. 
3 ) I do not believe this was Nelnet but somebody refinanced my loans without my knowledge or agreement. I asked for those documents from nelnet and was told the only way to get those was through a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I noticed that my credit report was ran 3 times by Chase bank 3 months in a row. 
I did not apply for a line of credit for any of the 3 credit inquiries. The three dates include ( XX/XX/17, XX/XX/17, XX/XX/17 ) I called on Monday XX/XX/XXXX where the representative for Chase said there was nothing they could do and I should contact the Credit bureau since they werent approved for the line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2018-12-13
Company: Eastern Revenue, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A debt collection company, Eastern Revenue, submitted a direct consolidation loan application on my behalf without my knowledge. The provided incorrect information to the Department of Education about my employment status and set up an account with the Department of Education on my behalf that I do not have access to. Additionally, they entered me into a payment plan that I did not authorize or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.

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 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX law offices of XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " Bank of America '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for Bank of America. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a Bank of America Card?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX XXXX  '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other

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 2018-12-13
Company: EQUIFAX, 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:
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: IL
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 been trying to get Experian and XXXX to remove this account on my credit report that's not mine. Please assist me, thank you.

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 2020-11-04
Company: Experian Information Solutions Inc.
State: NC
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: Other problem getting your report or credit score

Complaint:
Experian issue with Fraudulent Scoring : From XXXX to XX/XX/XXXX, my credit score went from XXXX down to XXXX for NO REASON. It decreased 3 times. Haven't been late, paid off all credit cards etc .... 

I called them to see what was going on. The rep attempted to share what might be going on, which didn't make any since. There has been no negative activity on my account. 

Please contact Experian Credit Reporting Agency!!!!

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 2021-05-07
Company: ALLY FINANCIAL 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:
Someone was suppose to remove these inquiries.

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 2020-05-31
Company: The Best Service Co.,Inc
State: NV
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 sent a letter to XXXX  on XX/XX/2020 asking for 2 items to be removed off my credit report due to them both being in regard to the same debt. The Best Service Company is the collection agency and XXXX XXXX is the original creditor. They are both reporting to all three bureaus and my understanding is both can not report at the same time, saying I owe them both. They responded on XXXX XXXX saying that they will not remove them because they meet FCRA requirements. I know this too be incorrect and should like them to remove both items as they reporting incorrectly in various ways such as different opening dates and DOLA dates the biggest being double jeopardy. I am requesting both items be removed immediately as I am in the market for a house and this is one of the major credit items that is hindering 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
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently reviewed a copy of my Transunion credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX at XXXX XXXX  XXXX XXXX, IN 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 2020-05-31
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would.lik to set up a way to load money for my granddaughter on a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I followed TD Banks offer to open a new TD beyond checking account ( XX/XX/2020 ), for new customers and I followed their terms, to be a new customer and receive direct deposits of {$2500.00} or more within 60 days of opening the account. I have had 4 statements now ( about four months since I opened the account ). I called first my local branch and they told me to just be patient, very rude and not helpful. Then about 2 weeks later I called customer service and they first told me I was not eligible and just danced around with excuses for why I would not get the bonus. Then I asked for a manager,  XXXX came on the phone and said YES I was eligible they just had to contact the promotions department. At this point I was over 1 hour into this on the phone waiting and talking to people. She finally came back reassured me that I will be getting the bonus. One week later and still nothing. I called again today, I was on hold again for about 30 minutes and could not even reach anyone. What person can spend this much time trying to get what they were promised? This is obviously FRAUD and they should be investigated, I want them to keep up their end of the offer, I should not have to even call once, this should be automatic, instead I believe they do this on purpose because who can spend hours on the phone hunting them down, most people would give up. I won't however!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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:
Title : Bank of America is charging me a fee without telling me upfront. They've charged me {$25.00} after the action is completed. 

I payed {$250.00} on XX/XX/2021 to my Bank of America credit card. 

I had autopay set up to pay the statement balance. Although my current balance was {$0.00} on XX/XX/2021, autopay still pulled {$250.00} to my credit card. 

I ended up with a {$250.00} credit on my balance. I had 2 recent purchases at the time, so my overall credit was {$230.00}. I called BOA and an associate told me that the {$250.00} was processed, she can not cancel the payment, but she can return the extra credit back to my checking account. I agreed. 

This month, BOA charged me : XX/XX/2021 RETURNED CHECK FEE {$25.00} XX/XX/2021 RETURNED PAYMENT UNPAID {$250.00} They've charged me the {$250.00} again, plus a " returned check fee '' of {$25.00}. 

I called BOA, talked to different managers and associates. An associate told me that it may be that I didn't have sufficient fund in my checking account, so the {$250.00} was never processed successfully. The managers didn't even bother to check my account to see why {$250.00} didn't process, told me that it's my responsibility to cancel autopay to avoid double-payment. 

However, I HAD sufficient fund in my checking account at the time ( about {$3000.00} XXXX. 
I called again, this time another associate was able to tell me that, the {$250.00} did not process successfully is because I've called to " stop '' the transaction in XXXX. 

In XXXX, I was informed that the {$250.00} can not be stopped, and was NEVER informed that I have to pay a {$25.00} fee to avoid the extra payment made by BOA autopay to my credit card. Apparently the associate who was assisting me in XXXX didn't know either. 

The fee related to that action was NOT SHOWN on the associate ' screen, according to the last associate I've talked to, the associates are only able to see the fees after fees are processed. 

The managers have denied to refund me the {$25.00}, and it's their " SYSTEM '' that makes the decision, the managers and the associates couldn't overturn that. 

I have to pay the {$25.00} fee because I wanted to avoid double-payment to my credit card. And I was informed that the {$250.00} was PROCESSED, and they couldn't stop that. 

However, the payment was stopped for some reasons, and BOA is charging me {$25.00} on an action that they said to be " can not be canceled '', on an extra payment made by autopay to my credit card, without informing me before the action was taken.

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