BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The bank is charging me a fee of {$35.00} in error due to processing. On XX/XX/2020 I had a balance of {$14.00}. A ach from an investment company for {$5.00} was pending which brought my balance to {$9.00}. On XX/XX/XXXX I used my card at the pump and used $ XXXX this amount is processing. My account was negative by {$8.00}. On XX/XX/XXXX early am I transferred {$10.00} from another checking account that I have with the bank. This amount is still processing as well. The bank charged me {$35.00} for the {$5.00} ACH transaction stating that the {$17.00} was paid even though it is still processing. The {$5.00} is now showing on my transaction history. I do understand that the bank has no control how what gets posted first but the ACH transaction has been pending since XX/XX/XXXX and the gas transaction pending since XX/XX/XXXX. At this point the bank is trying to collect {$35.00} due to the current pandemic. They couldn't return the gas so they instead returned the last transaction to hit my account which is the ACH transaction for {$5.00}.

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 2022-10-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, 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 have noticed that XXXX XXXX XXXX have placed an inquiry on my Equifax XXXX XXXX credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/2020 and the next subsequent statement generated on XXXX XX/XX/2020 clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. That is, each statement generated after XXXX XX/XX/2020 constitutes a statement that is offset from the XXXX XX/XX/2020 statement outside of the prescribed interval as established from the date of the first statement. The payment history and information for my student loans that XXXX XXXX supplies to the CRAs is incomplete and/or incorrect and must be immediately removed from all credit files for which XXXX has supplied the information to a CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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 is missing that should be on the report

Complaint:
This account is in good standing and is not being reported on any of my credit reports. 

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 2017-08-09
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sold our loan to First National Bank and IT HAS BEEN A NIGHTMARE trying to make our first payment. Between the terrible website to not being able to link our personal checking accounts to being forced to open a checking account with them in order to pay. We then transferred money and it still does n't show up. We received notice on XX/XX/XXXX that our loan was sold to them and that payment was due on XX/XX/XXXX as well and we have an additional 15 days to pay. Customer service on the phone is wholly unhelpful and they do n't respond to messages on our internal website. Customer Service wait time is a minimum of 10 minutes and have failed with several requests, request to open a checking account was delayed, then denied, then approved, then links to account was unavailable, and they have been unable to track any of these requests nor find them in most instances. Further, when asked if we can pay over the phone, we were told we ca n't pay over the phone until it 's delinquent. So, they are punishing us by getting more late fees. The only suggestion was that we drive to pay in person in XXXX MD which is the closest location. Their unwillingness to work with us and inconvenient/convoluted process seems like one of the fee grabbing activities this bank participates in. So, the fee generating activities do n't stop there, you can not pay your mortgage from an external account, I repeat, I ca n't pay mortgage directly. You have to set up a checking account within the bank, so if you do this in time to dodge fees you still have to fund said account. The catch here is that you can only fund your account a maximum of $ XXXX per day, $ XXXX monthly max, and a {$0.00} fee per transfer. So every month we are already giving them at least {$1.00} to fund an account to pay the mortgage through the bank. This is a scam of a bank and is set up to generate fees and one must exercise an extreme amount of caution to dodge the maximum amount of fees they are attempting to impose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a payday loan with easy money in XXXX Alabama for XXXX dollars. The pay back amount was XXXX. The amount was to be paid back by the XX/XX/XXXX or it would come out of my account. The transaction appeared on the XX/XX/XXXXof XXXX and my bank contacted me to approve the transaction, which I did and it posted on the XX/XX/XXXX. XXXX was deducted from my account. I assumed the debt was paid. I'm XX/XX/XXXX, I began to receive voicemails and letters stating that the debt of XXXX was owed. When I asked about the amount, I was told " that's the amount I would have to pay ". No explanations. I continuously contacted the cooperate office and received the most unprofessional treatment. Today ( XX/XX/XXXX ), I finally spoke with someone who seems unsure of why the balance remained when it shows that it's been paid, but insisted I pay the remaining XXXX dollars. When I refused and asked what the XXXX dollars was for she refused to give an adeqaute explanation. She repeatedly stated that the XXXX dollars was assessed because the records show the payment was not made until the XX/XX/XXXX and that the payment takes days to post. I understand that transactions take a few days to post but she stated their system takes 7-10 days. I don't understand how I am being charged a fee when their system is why the fee is assessed and when I asked this, she raised her voice at me and hung up. When I called back to speak to a manager the person hung up before I was connected. I'm really disappointed in this company and outraged considering I've paid my debt and they're trying to collect more funds.

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 2020-11-20
Company: Americas Car-Mart, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Americas Car Mart continues to infringe upon and violate my consumer rights. Upon doing so by law XXXX demand compensation for such violations under 15 U.S. Code 1692k - Civil liability. 
On XX/XX/2020 a letter was mailed to my home address from Americas Car Mart. That letter was titled Notice of Our Plan to Sell Property. The first violations are under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse In this letter Americas Car Mart states the following quote THIS COMMUNICATION IS NOT AN ATTEMPT TP COLLECT, ASSESS, OR RECOVER A CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. But also, in that letter Americas Car Mart states the following quote You can get the Vehicle back at any time before we sell it by paying us the full amount that you owe ( not just the past due payments ), including our expenses. To learn the exact amount you must pay, call us at : ( XXXX ) XXXX XXXX. That to me is the language of an attempt to collect a debt, which is indeed a violation under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse.

I have not given any written permission to contact me in any form at any time of day which makes this letter in its entirety a violation by law under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d -
Harassment or abuse.

In the top right corner of the letter Americas Car Mart has the companys logo which is a violation under 15 U.S.C 1692b. Acquisition of location information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, I was informed through XXXX XXXX that my XXXX XXXX  store credit card had been closed as of XX/XX/2018, by a credit grantor. This was done very haphazardly and without warning. After speaking to a XXXXXXXX XXXX representative, I was told I was not able to reactivate my account due to inactivity. Being away at school for the past several years has restricted my opportunities to utilize the card for that period of time. I do not feel as though this account should have been closed without my consent in light of my situation. Furthermore, this arbitrary closing has also severely affected my credit score. As a long-standing customer with XXXXXXXX XXXX, I feel it is their obligation to intervene and rectify the situation. 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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 called XXXX XXXX and Transunion told them someone is fraudulently using my social and putting a bunch of inquiries on my account which I did not cause. Its also causing my credit score to go down they refused to help for whatever reason.

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 2020-10-30
Company: DISCOVER BANK
State: CA
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:
On XX/XX/XXXX I applied for a secured Discover card with a {$200.00} security deposit. On XX/XX/XXXX the money was withdrawn from my account. About 10 days later i received the card in the.mail. I called to activate the card the same day but was refered to a special agent who said they needed access to my IRS.records to verify my identity. I complied but really didnt understand why a copy of my state id and ss card was t good enough. He said he would activate the card bu t couldnt guarantee it would work. After trying to use the card for a week i was notified the account was closed. I called trying to get my deposit back and the credit reporting removed. I was told i have to wait 2 billing cycles for the money a d there was nothing they could do about the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A woman from a personal loan company threatened to freeze my bank account and seize my social security

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this account with credit bureaus as the balance is incorrect. I provided the statement to the credit bureau showing the end balance with a date of XX/XX/XXXX. The company in turn sent by mail the exact statement with the correct balance, but they are not reporting the CORRECT end balance. I received correspondence in the mail from the company dated XX/XX/XXXX " While we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of the alleged inaccuracy. '' Which leads me to believe this information was never actually verified. 

The previous complaint did not address my issues. According to the statement that you sent you are still reporting an incorrect balance. I see a balance on XX/XX/XXXX that is lower than the balance that you are reporting. Besides that point the balance would still be incorrect as the deposit that I paid to the apartment when I moved in is not showing on the move out statement to reduce the balance. Which I pointed out to the previous collection agency and they never responded and removed the account from my credit report. You DO NOT have proper verification of the account nor the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report from XXXX XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. XXXX Never responded and the other two credit bureaus never deleted the accounts

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 2020-11-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I I have a personal checking account a savings account ANd a business checking account with XXXX bank, I have used XXXX bank with other business of mine for over 15 years, TD/ prior was XXXX XXXX. I received a ppp loan in my business account in XXXX with no issues, then received a eidl SBA loan in my business account in XXXX, when I went to withdraw a certified check td bank told me we have to get this verified and come back tomorrow, I came back the next day and they said the spoke to fraud and they confirmed it was a business account and additionally I had provided my load agreement papers, so they unlocked my account and I resumed my automatic payments out of my account and my cpa instructed me if I would like to make it easier if I had a personal Acct transfer funds into there so you better track your loan funds for the sba, so I did that, then few days after they re opened my account I went back for the certified check for employee for work for the past 10 weeks that they didnt get paid for plus a certified check for a wood chipper that Im 6 months behind on payments and in Repo status, and again they locked my account and wouldnt let me take the funds, then they told me a cell phone # to call I believe his name was XXXX XXXX from fraud gsi in XXXX XXXX nj, I called and he was very short with me and said no you cant transfer anything to another account and you used the funds not for what the loan is for, and 6 weeks later all my accounts are still frozen including my savings personal Acct, my checking account and business account with no access to my funds that Im paying interest on for my business which also I received my unemployment in now that I cant work since they froze my account they also took my unemployment! My business have been in business for generations and I find this insane for how they are treating me especially in this time we are living in today! The man from gsi td fraud # is XXXX ( XXXX ) XXXX. That was the guys cell phone # the branch manager gave me to call him and he wouldnt give me the time of day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I don't remember the exact day but I know that it was a few days after XX/XX/2020. I told my bank ( chase bank ) that I was scammed out {$600.00} for a room that was up for rent on XX/XX/2020. They said they couldn't do anything about it but mark the account that was used in the scam as a scam account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: FL
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:
Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from commonwelath stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX, we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin

Company response to consumer: Closed with explanation