BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On Thursday   XXXX   XXXX   XXXX     I contacted Bank of America ( " the bank '' ) to find out why my principal balance differed from what I was told it was going to be when I signed the documents at the dealership because all the guy could see was what was entered into the system. I was told to contact the dealer to find out. I called the dealer, but was unable to reach anyone. Then, I called the bank back to see if I could get a better response.  Low  and behold I was able to reach a nice lady who took time out of her busy day to help me get to the bottom of things. She was able to locate my loan documents and agreed that the loan document indicated that my balance should have been lower than what they had in the system. She told me she was going to submit a research request to get it all straightened out. She gave me a confirmation number and told me that someone may reach out to me if they had any questions or needed further information. After I got off the phone with the bank, the dealership called me back. Since the lady at the bank told me that she was working on a resolution, I told the dealership that and they went ahead and considered the issue being handled. The following day ( Friday   XXXX   XXXX   XXXX     ), I received a phone call from a rep at the bank, but we ended up playing phone tag and never had a chance to connect. On Monday    XXXX   XXXX   XXXX   XXXX   I received a letter from the bank informing me that they had been trying to reach me, but they were unsuccessful and I needed to contact them to get the issue resolved. I called them back on Tuesday   XXXX   XXXX   XXXX       at which time I was told that I needed to contact the dealership to get the issue resolved. I contacted the dealership again to no avail. The issue is a lack of assistance in getting a disclosure discrepancy resolved. I signed a security agreement agreeing to pay the stated principal balance and that is what I want to pay. No additional fees, no less than the agreed upon amount. I believe that this discrepancy is a Regulation Z violation and should be handled as such.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-06-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Gentlemen : We were solicited to open a money market account with Compass Bank in XX/XX/2017. 
We submitted the applications for myself and my wife. My wife 's account was opened. I received an email that I would receive a call from them as they needed further information. I called the bank and was told that I need to wait for them to call me. 
No call was received and mysteriously I received an email that was account was approved and opened. I sent an email immediately asked them to close the account consider the application withdrawn as I was waiting for them to call me before they opened the account as I was told by them. I also informed them that they need to send the funds back to the external account if they had withdrawn them. They did not honor our request causing the account to be overdrawn incurring us a back charge at the external bank. We went back and forth for several weeks. Finally I was told that I would receive a letter in the mail. Still awaiting a response from them. 

Below are several emails between the bank and us as to what has transpired. 

XXXX XXXX is the local Branch Manager who came to our office soliciting more funds to be deposited with the bank. I explained as to what was happening with us. I offered to send transcripts of the emails. He accepted and later responded that he could not intervene or help us in resolving the matter. 

We have not received any response in the mail to date as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: LA
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 recently discovered that there is unauthorized information in my name being used on my credit reports and I would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized & I am insisting that they be deleted from my credit report asap. These items are FRAUDULENT and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

Please remove these inquiries asap : XXXX XXXX XXXX - XX/XX/201XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EdFinancial Services
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On the morning of XX/XX/2022, I contacted EdFinancial directly following the Student Loan forgiveness announcement. I requested to have the payments I made to my Student Loan balance during the XXXX payment pause refunded. Many federal student loan providers such as XXXX XXXX are promptly giving customers confirmations and refunds, EdFinancial did neither for me. After nearly three weeks I have yet to receive any indication of my refund request. I called EdFinancial a second time later on the same day and they were unable to even provide me an email confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I live in California, where XXXX and Paid Family Leave is contracted through Bank of America. We receive a debit card that can be set up to receive the payments and directly deposit them into our personal bank accounts. The State of California deposited my final 2 payments onto my Bank of America debit card, but only one of the payments was deposited into my bank account. When I called Bank of America ( XX/XX/17 ) to clarify why they had n't deposited the other {$3200.00} into my bank account, I was told by a representative that I had exceeded the amount that can be transferred in a 7 day period. I then asked if there was anything I needed to do in order to move the remaining balance over and was told that the remainder would automatically be moved over in 7 days. I clarified that there was NOTHING that I needed to do in order to move this money over and was told that there was not. After 11 days, the money still had n't been moved over. I called Bank of America ( XX/XX/17 ) and was told by a different representative that the money was still in my Bank of America account and would not be transferred automatically- rather, it had to be done manually. I asked for clarification and was told that the system does not check for remaining balances that need to be moved over- it only triggers the system to move it over when it is deposited into the account. The only reason I knew that there was a remaining balance is because I was personally keeping track of how much money I was owed through PFL. Otherwise, the money ( over {$3000.00} ) would remain within Bank of America rather than being transferred to my bank account.
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When I told my husband what happened, he checked his Bank of America account ( he is on PFL for XXXX leave ) and had almost {$2000.00} in his account that similarly had to be transferred manually. He would n't have kn
own to transfer this unless he had called to find out his 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 explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged  on  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX ,  XXXX , and Equifax on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was discharged and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove.

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 2017-06-13
Company: GVA Holdings, LLC
State: TX
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:
I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XX/XX/16    that I do not recall authorising. I understand that you should n't be allowed to put an inquiry on my file unless I have authorised it. Please have this inquiry removed from my credi file because it is making it very difficult for me to acquire credit. If you find that I am in remiss and you did have my authorisation to inquire into my credit report then send me proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: OneMain Finance Corporation
State: AE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Good Morning, I currently have an installment loan with OneMain Financial and recently XXXX XXXX XXXX XXXX XXXX. I thought I was protected but the add ons that the OneMain Staff pressured me to purchase, ballooning my payment from {$250.00} a month to {$370.00} a month doesn't apply since my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't cover. Additionally, the I contacted OneMain several times at their local office and their main office to cancel the policies, however they still have not responded and I am still getting these substantial bills for addons. I even completed the appropriate cancellation paperwork and submitted it to both offices, however they continue to ignore the emails. 

I believe that OneMain Financial violated UDAAP by pressuring me to quickly agree to the loan terms while on the phone and " waving '' over the additional cost and eligibility requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose.

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 2021-10-29
Company: EQUIFAX, INC.
State: VA
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:
What happens to my credit score? Why its too low? Where did you get these accounts I didnt apply for anything! I dont even understand why you put it on my account. I think someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: GA
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:
A few months ago I was running low on funds in my Chase checking acct that is also linked to my Chase amazon rewards card in my online banking. I now live XXXX plus miles each way from that bank and could not get to the bank in XXXX GA to deposit money. I had an offer in my online banking to put money from my credit card into my checking acct. There was a percentage fee for that ... turns out it did not even go in from credit card to checking acct for XXXX or 5 days so it was pointless!!! For the first time last month I got charged interest on the revolving balance portion of the credit card even though I paid it in full ... .I called for a week and kept getting XXXX  support and they did not understand why I was upset. Chase is paying off 0 % loan first and not my revolving balance. I got thru to an offshore person who said I was correct and credited the acct the interest charged. They are doing it again this month... they charged me a fee to transfer the money and they are paying down the % first instead of the revolving balance being paid in full ... so they are also charging me interest. I want my interest charge reimbursed! I called Chase XXXX in NY and they said that is the way it is!!! So I am being charged a transfer fee and interest on the revolving I am paying in full!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten 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 explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The Credit Bureaus have done nothing to correct the erroneous information reporting on my Credit Report! I previously sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX requesting to correct the accounts and information being presented on my Credit report but it is clear that the Credit Bureaus have ignored my written request. I am now submitting this CFPB complaint to request the Credit Bureaus that they remove the disputed items completely from my Credit Report since they are unable to verify the authenticity of the items in dispute. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with fair credit reporting act XXXX XXXX XXXX account # 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 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

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