BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
RE : Bank of America. There is no online way to close the account. I wasnt able to close the account when I wished nor had time to wait on hold. They forced me to call to cancel and by that time another month of service fees was added to my account which brought it into negative balance. The customer service rep said they could not close the account with a negative balance.

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 2021-04-14
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Two acquaintances received phone calls, one of the calls received went to voicemail and the transcribed voice message was forwarded to me. I have attached a screenshot of the transcribed voicemail. I also received a voicemail from ARS ( Atlantic Recovery Solutions ) from a XXXX regarding a debt I do not owe. I have attached a screenshot of that transcribed voicemail as well. 

I have not received any documentation from this company whatsoever. I checked my credit reports from all three credit bureaus and this company is not listed on any of them. They have sent nothing by mail I can respond to in order to verify this is a legitimate debt. Because the message was sent to an acquaintances phone and not my own I further cant verify who they are. The only way I was able to find the company behind this call was because the person sent a screenshot of the phone number it was received from and it matched the message Id received. 

This is not legitimate. 

The outcome I desire is no further contact from this company in any form whatsoever. They will not harass acquaintances or attempt to contact me through other parties or any of their affiliates. Whatever records they believe they have regarding me will be removed from their systems and will not be passed on to further parties in another attempt to receive monies from me. 

Please investigate this business on my behalf. I believe they are attempting to press an illegitimate claim to receive money for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, USPS delivered a letter of correspondence to my home address from U.S. Bank Home Mortgage company requesting a W-9 Request for Taxpayer Identification Number and Certification. I DO NOT HAVE A BUSINESS, and WILL NOT SIGN OR CERTIFY that I have a business as requested by U.S. Bank. In contacting U.S. Bank three times on XX/XX/XXXX, this mortgaging company FAILED TO BELIEVE ME that I DO NOT HAVE A LICENSED BUSINESS. I spoke to the front line customer service rep. informing him that my 'part-time seasonal business of XXXX   XXXX XXXX XXXX was TERMINATED legally with the IRS as of XX/XX/XXXX ' ( home based business ENDING XX/XX/XXXX ), and that I will NOT admit to owning or operating any business now with completing the W-9. U.S. Bank made every effort to manipulate me into putting my Social Security Number on the W-9 Form, Signing it, and returning it. The IRS informed me by doing so would be admittance to owning a business, after confirming that the IRS NEVER CONTACTED U.S. Bank requesting that the W-9 be completed. 

U.S. Bank letter dated XX/XX/XXXX states, " The Internal Revenue Service ( IRS ) requires that we obtain verification of your Taxpayer Identification Number for your account. '' I DO NOT HAVE A TIN and I can only assume that U.S. Bank means my mortgage account with them. U.S. Bank goes on to write, " Please note that the IRS requires you to provide us with your correct Taxpayer Identification Number and that you are subject to {$50.00} penalty imposed by the IRS under Code Section 6723 if you fail to provide us with a correct Taxpayer Identification number. '' The IRS NEVER Contacted U.S. Bank, and per the IRS Clause of Confidentiality, the IRS would NOT access a penalty fee. U.S. Bank is acting Fraudulently by LYING that the IRS requested this W-9. The IRS NEVER REQUESTED THIS W-9, would not share my information to any 3rd party without written permission from me. 

U.S. Bank is fraudulently LYING to purposely gain money of {$50.00} from it's mortgagee ( s ), THREATENING me, the customer with an IRS fabricated LIE. 

Again, I do NOT have a licensed business or any business, and my former XXXX XXXX XXXX XXXX business was terminated in XX/XX/XXXX. I will NOT sign a legal document of the W-9, admitting to a business when I do NOT own a business now and NOT for the last 12 years. 

U.S. Bank should be sued for LYING by claiming the IRS requested this information, when the IRS never contacted U.S. Bank, and should further be penalized for falsifying and threatening an account holder of an IRS Penalty of {$50.00}, when this claim was solely created by U.S. Bank.

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 2019-09-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to unfreeze my Equifax credit report for almost a month, as I am trying to obtain a mortgage. This was a freeze placed by Equifax ( NOT me ) and this delay has caused me financial hardship.

Equifax publishes at least 8 phone numbers to contact them, all of which go to an automated system. Most of those systems do not give you access to a live person, and the ones that provide the option to talk to a person all state that the system is unavailable, and disconnects the call. Even the live web chat does the same. 

I've spent countless hours trying to reach someone ( over the internet, by mail, and over the phone ) to help me do this, as it's holding me hostage and preventing me from managing my financial affiars appropriately. Equifax is literally unreachable, and it's extremely disconcerting to know that they are allowed to operate this way. It seems criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: UT
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:
This is a complaint made by me XXXX XXXX along with this is a nortorized affidavit in the uploaded documents showing that it is me that made the complaint not a third party company. I am a victim of identity theft. I sent to the credit reporting agencies the ftc reports and the letter and the affidavit to have them remove the accounts that are identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I repeteadly use mobile deposit for my payroll checks. The last deposit check as placed on a hold after the check was accepted so the app didnt give me the opportunity to cancel the deposit so I could go to the issuing bank to cash my payroll check. After many calls the bank was unable to give me the specific hold reason, and claimed that in the last three weeks they changed their rules for deposits and thats why even though this is the same transaction I do every three weeks the check was placed on the maximum hold time allowed of 5 days. I went to the issuing bank and they gave me receipt that the issuing bank has already funded the transaction. But still after three business days of the deposit XXXX  % of my deposit has become available. I called the bank again and they said that the full amount will be available at the XXXX business day which is XX/XX/2022. I tried to reason with them that this is the same employer and same transaction Ive been making for about 5-6 months that there is no reason to place a hold ( never specified type of hold even though I asked ) But they still claim change of rules. I requested to be given a copy of the letter, email or notification of this change of rule and they said no such notification was provided to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Their investigation did not fix an error on your report

Complaint:
My house was sold and the loan was paid off. It did not go into foreclosure. This is a mistake, please correct it. Please remove the foreclosure remark from my credit report ASAP.

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 2022-12-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I an requesting this procedure in case of disputed accuracy.

15 U.S.C. 1681 Section 602 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Can you please reinvestigate the accuracy and completeness list of accounts below : Account XXXX XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: ZWICKER & ASSOCIATES
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a garnishment summons in the mail from c/o Zwicker & Associates, P.C that are representing XXXX XXXX XXXX XXXX on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
To Whom It May Concern : First case CFPB # XXXX GM Financial Acct # XXXX On XX/XX/2018 I submitted a complaint to the Department of Agriculture regards my pay off amount disagree and discrepancies on payments and months to go, but GM financial did not response to Dept. of Agriculture or at least before I submitted the complaint to CFPB. After I submitted my complaint to Consumer Financial Protection, and received an email that GM Financial responded to the complaint and sent a letter to me which I just read it. I have not made the {$260.00} payment from XX/XX/XXXX, waiting for CFP response. Because I am not agreed with their response, I called again to CFP and spoke to an agent. Even with the deferred and overdue payments and the contract that I signed, this car is paid off. I already paid to this XXXX XXXX and if I add the {$260.00} for the month of XX/XX/XXXX the total amount will be {$18000.00} summarizing my payments with the statements I received from GMFinancial, with a margin of error. I paid this car double ( 2 cars payment in one ). Therefore, I think is not fair to continue making payments to this account. This is inhumane for me and for others who have been through the same or worse. I am going to send my last payment which was due on XX/XX/2018 according to their contract a car in the amount of {$6900.00} at an interest rate of 16.25 %, repaid in 72 months installments in the amount of {$260.00} per month, 72 months already passed and the total amount as you can see exorbitant. 
Hopefully you can help me to solve this situation in a fair way. 
Thank you so much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I an requesting this procedure in case of disputed accuracy.

15 U.S.C. 1681 Section 602 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My Checking account balance is currently at negative {$120.00} due to fraudulent transactions that occurred on XX/XX/20 for the amounts of {$1000.00}, {$1000.00} and {$310.00}. The bank chose to take away the provisional credit and did not explain why they were not protecting my account from fraud. 

Three things are happening now ; I am now responsible for the fraudulent transactions, my Checking account in now in a negative balance that the bank claims I am responsible for, and they are threatening to report my account to XXXX XXXX XXXX. with negative comments so that I can no longer open a Checking account at another financial institution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: FISERV INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Telecheck is not keeping up with its check approval database which has resulted in my business check being declined.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX has a fraudulent accounts on my credit profile that needs to be removed immediately. Account # 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 2023-11-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/2023 I was admitted to the hospital with a tear in my XXXX. I attempted to chat & email chase at the time. I could not call from the hospital. I was there XXXX weeks. I then had to continue recovery at home. It was XXXX weeks and then I could return for light duty. I emailed chase bank at least XXXX times through the secure messaging center. I never did receive a reply. Meanwhile I was trying to stay afloat and pay my bill. All I needed was to skip XXXX month & have my fees removed then we had XXXX hurricanes back to back. Everything was shut down & again no work. Chase still charged us late fees through this time. Even when we did not have power in our home, we were charged late fees! Well today they finally told us theyll remove the fee for XXXX but they cant do anything else. All I am trying to do is catch up my account & keep it from going over 30 days late. I keep paying the payment that gets sucked up in late fees & interest. If theyd just remove all those fees my card would not even be over the limit at all. I technically only missed one payment but the fees have made it near impossible to catch up. I just need them to skip one payment & remove the fees. I will continue to pay my payment & work on my account as I always have. They just refuse to work with me. Im unsure why as until this, my account was always paid on time. I never asked for a thing until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX for {$26000.00}. XXXX XXXX XXXX XXXX for {$26000.00} 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 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 or has reasonable cause to believe that the information is inaccurate Chapters

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 2020-01-06
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
We have retained an attorney for bankruptcy filing and advised Tower Loan and have also requested them to not contact us any longer. They were also advised to make contact directly with my attorney. They have continued to contact XXXX at her place of employment even after being advised not to call her at work. My attorney sent a letter advising of representation and for all contact to go through their office, yet they refuse to speak to my attorney and continue to call me daily. Their attorney, XXXX XXXX XXXX, sent a letter back stating they have not contacted me or XXXX since XX/XX/2019, but that is incorrect and continue to contact me and her at work and I have recorded phone calls to prove they are still calling 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 2018-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-09
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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