BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2021. I have Bank of America 's New Spirit Airline Master Card. I am today, Unable to Set Auto-Pay or EBills XX/XX/2021. Their Bill Pay option on phone is NOT working for Automated balance payment. Their webpages are not working since long time. This is surely intentional slowing down or making webpages unresponsive to charge customer late fees and such. Even IVR on phone is set up intentionally that it takes frustration for customer and customer gives up so that BOFA can charge a late fees. Intentional attempt for making this process cumbersome.

Please investigate, as this is direct attack and malicious policy against American Consumers from a 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 explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
Duplicate address shown for Experian. Please delete Multifamily residence : XXXX XXXX XXXX XXXX NY XXXX ========================================= ***This is a violation of XXXX XXXX XXXX XXXX ( XXXX ) Removal of Inaccurate/invalidated credit information. Please remove XXXX Experian XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX is a violation of XXXX XXXX XXXX XXXX ( XXXX ) Removal of Inaccurate/invalidated credit information. Please remove XXXX XXXX not add any fraud alerts to Experian nor 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2019-12-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
American Express repeatedly and consistently makes false claims when it responds to consumers complaints filed with CFPB. 

I informed American Express multiple times in the past 22 months that their system is incorrectly processes mail that is addressed to me. While I am able to receive the letters from American Express that are prepared in response to my complaints to CFPB as those contain my correct mailing address, American Express credit card statements, refund checks, actual plastic cards are consistently mailed to wrong addresses. 

Despite the fact that I contacted American Express in the past and informed them about my correct address, American Express continues to make false statements that it is using my correct address. 

In the most recent response, which is attached, American express failed to list the address to which they mailed the {$50.00} check for the amount they owe me and have not provided a copy of the envelope in which they had mailed the check. A simple visual check would have revealed the errors American Express is making, but it is refusing to perform a simple quality control function. 

American express claimed that it tried to contact me via telephone, however after my conversations with American Express in the first half of XX/XX/2018 that lasted more than an hour each, I requested American Express to communicate with me in writing. I had not received any questions from American Express in writing after I submitted information to them through CFPB portal. 

American Express also stated in the attached response that they are refusing to process a refund for the credit balance I had in my account. I believe the company is violating some of the federal regulations by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Numerous tries to pay a large amount towards principal balance. My last call was today XX/XX/XXXX and after being on hold to speak to supervisor was told to send my payment wire transfer to XXXX XXXX ABA # XXXX A/C # XXXX. I called XXXX XXXX at XXXX and they do not even have my account, the a/c # I gave them they told me was inactive since XXXX. Called Lakeview # XXXX to speak to a loan specialist and they gave me a different number which is not in service # XXXX. XXXX is suppose to be handling my mortgage but supposedly they only take the payments for Lakeview. The number I have for XXXX  is XXXX. Can you please help me? I am unable to talk to anyone that knows how I can make a large principal payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, I am writing to make you aware that I have been a victim of identity theft and am not responsible for the following accounts ; 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 I am demanding deletion of these items from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Police Report and Federal Trade Commissions Identity Theft Affidavit for this case. 
Section 605B states that if A account is the result of identity theft, then it must be removed from my credit report. 


THIS REQUEST HAS NOT BEEN MADE IN ERROR I DID NOT OBTAIN POSSESSION OF GOODS I DID NOT RECEIVE SERVICE OR MONEY AS A RESULT OF ANY TRANSACTION ISSUE. 
THIS IS ME ( XXXX XXXX XXXX ) SENDING IN THIS REQUEST DO NOT SEND ME A STALL LETTER ABOUT ANY THIRD PARTY OR CREDIT REPAIR COMPANY I HAVE INCLUDED MY IDENTIFICATION

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter.

To provide some context, I opened an account with your company and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for.

I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen.

After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days. 
Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response.

I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call.

Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter.

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress. 

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to remove these fraud items in my credit file : 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 non-monetary relief
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: NE
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Honda account discharged closed still showing up on credit report, credit card XXXX XXXX paid in full still showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a consumer and multiple Apple product owner who has applied for the Apple Card now XXXX XXXX with denials unrelated to my credit score, income, or ability to repay.

I have been told by automated system via email to upload a drivers license with all XXXX corners visible, against a solid surface. I have uploaded this multiple times and have been told via denial email that my identity can not be verified. This is completely untrue, as I have other credit accounts, bank and credit union accounts, IRS tax file, US Passport, XXXX XXXX background cleared, a valid unexpired drivers license, a mortgage in my name, and property and auto and insurance which uses in-depth background reports to verify identity. 

The system is not claiming that my identification card uploaded is not visible but rather that my identity in its entirety can not be verified which is not true. 

After multiple denials, the system will process my application and then the response is you can not be approved at this time because you have applied previously and your identification cant be verified I feel this is a type of violation of the fair credit reporting act in which a denial has to be explained. If my drivers license is valid and I am the person applying for this card then I need to have a full explanation as to why Goldman Sachs acting on behalf of Apple credit card is saying that my identification can not be verified when 100 % of the time with all other creditors and government agencies my identification is easily verifiable. 

Now, for the past XXXX  months Apple/Goldman Sachs will no longer even process my application and seems to have blocked me while given the generic message of you have applied a number of times and your information can not be verified. 

The system tells consumers to reapply if they feel the decisions were an error and when I reapply I am given the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
this is regarding our business checking account with Bank of America ( which we've been a customer of for over 30 years ) : On XX/XX/XXXX two small electronic deposits were made in the amounts of XXXX cents and XXXX cents, the depositor was listed as 'XXXX XXXX, later that day, an unauthorized withdrawal of {$9000.00} was made by XXXX XXXX ', and then again in the same day, another withdrawal was made in the amount of XXXX cents by XXXX ( equal to the XXXXwo earlier deposits ). A week later on XX/XX/XXXX, two more deposits were made in the amount of XXXX cents and XXXX cents, again by XXXX, and then later in the day another unauthorized electronic withdrawal was made in the amount of {$15000.00} by XXXX XXXX, later in the day another withdrawal of XXXX cents was made by XXXX ( total of two earlier deposits ), then a week later on XX/XX/XXXX another unauthorized withdrawal of {$12000.00} was made again by XXXX XXXX. Because we hadn't checked our account online in that two week period, we hadn't noticed until we received our paper statement in the mail that these unauthorized withdrawals were made. We alerted BoA 's fraud dept. ( which by the way takes over an hour of wait time to finally reach someone ) and filed a police report. BoA, initially said it would take up to 12 days to resolve it, we called back to check on the status of the claim and they then said it could take up to 30 days, called back later and then said up to 60 or 90 days. It's been about 95 days, we call and they say a decision has been made but won't tell us what it is. we called over 10 business days ago and they said they would tell us in 10 days, it's been over 10 business days and they say they might call us at the end of the week. We can't get answers from anyone, these hackers wiped out our entire account, and being a small business, we can't afford to lose {$36000.00} and BoA apparently doesn't care one bit. How does BoA not flag those initial deposits as suspicious? If my credit card has a suspicious charge like that, they flag it and freeze the card, but BoA has no security measures of any kind.

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 2017-10-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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 paid XXXX XXXX XXXX in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by XXXX XXXX XXXX {$1200.00}. 

Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. 

This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. 

XXXX XXXX XXXX reported this erroneous information to ChexSystems. ChexSystems is reporting this erroneous information to those who pull my information. 

XXXX XXXX XXXX is declining to open a new account because of this language.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian Hasnt reported my open credit card accounts with XXXX XXXX or XXXX XXXX! Like XXXX and XXXX! Laws stare all open credit accounts reported

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 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened my bank of america account back in 2021, I've been a victim of Identity theft and stolen checks were deposited into my bank account. They were deposit through ATM in XXXX XXXX I do n't drive and I'm not even allowed to leave New Jersey without my parents consent. The bank have security cameras and they are able to see that I wasn't the person depositing the check but they still don't want to clear to open a new account. I've submitted a claim to start an investigation and have my name clear to not ruin my background with the banks. I've never had any issues with fraud or other similar situations. I'm asking for help to clear and straight things up. I'm about to start to college and I need to have a bank account for financial aid purposes, I also needed for work to get pay. Please help

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 2023-03-15
Company: Nelnet, Inc.
State: NC
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:
Reason For Letter/Dispute : I HAVE RETURNED A COMPLETED STUDENT LOAN DEFERMENT LETTER TO COMPLETE XXXX XXXX XXXX  XXXX I student was enrolled in university during the time late payments occurred on the loan account ( s ). Please update late payments to on-time payments based on DEPT OF EDUCATION policies/laws of credit reporting. Loan Account # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. DEPT OF EDUCATION REPAYMENT GUIDELINES BASED ON ENROLLED STUDENTS : When You Must Begin Payments? Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment. However, if you have a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan, you have a six-month grace period before you are required to start making regular payments. Youll have a nine-month grace period if youve got a XXXX XXXX XXXX ( Got a PLUS loan? Youll go into repayment as soon as the loan is fully disbursedwhich means once its paid out. But if youre a graduate and professional student PLUS borrower, you will be placed on an automatic deferment while in school and for six months after graduating, leaving school, or dropping below half-time enrollment. ) Explanation : I was enrolled at XXXX XXXX XXXX  during the Spring Semester of XXXX, Summer Sessions I & II, and Fall Semester of XXXX. This is the time that somehow my student loans went into automatic repayment with your company, which should not have happened based on the DEPT OF EDUCATION policies on repayment terms for enrolled students. As of now, the status of the loans has been transferred to XXXX XXXX XXXX, which was then sold to XXXX XXXX XXXX, therefore, there is no outstanding balance due to XXXXXXXX XXXX XXXX. Documentation : I have attached a copy of my full transcript from my first enrollment period at XXXX XXXX XXXX  in XXXX, to the last enrollment period in XXXX.

Company response to consumer: Closed with explanation