BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an account with Bank of America in XXXX XXXX, Texas approximately a month ago. From day one it has been a hassle. I went into the bank and spoke to a man " XXXX? " and he could not help. When I opened the account was told to keep a certain amount and there would be no charge if funds were wired into the account. The account was no " old '' enough to have the funds deposited by wire cause I closed it less then a month due to the charges prior to receiving them ( hope all this makes sense ) I get from 3 retirements a total of {$2700.00} a month. Opened the account with {$100.00}. It was not working out so I went to the bank trying to resolve a problem of charges and was totally " ignored '' so I got up and left. I closed my account over a week ago. I wrote the head office and the one in XXXX XXXX, Texas why and no one ever replied. I am now getting a charge of {$35.00} daily totaling {$200.00} now for not having funds in account. I wrote a letter which to date has not been honored. Now they are asking for {$35.00} a day and the amount now is {$200.00}. I do not feel I owe them a dime. 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 monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TrasnUnion credit bureaus last XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$2200.00} 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022, a background investigation company called XXXX initiated an employment screening on me and completed a SSN Trace. The result of that report provided Information which included Alias Names taken from Transunion 's Credit History Log or History File List. It also included Counties associated with my SSN. There were gross inaccuracies in the data provided to XXXX. Transunion provided that information as if it was true and correct. It appears they merged people 's names that were similar to mine in this report. XXXX confirmed that they received the information from Transunion XXXX XXXX or XXXX XXXX. I contacted Transunion 7 times attempting to correct this inaccurate information. Transunion is reporting 9 variations of my name from their credit log file that is inaccurate. They are also reporting several counties and dates of residency which are also inaccurate. Transunion has refused to delete, correct or update this information. Because this information does not appear directly on my credit report, I do not have the ability to dispute it. This information is being sent directly from Transunion 's files that they share with pre-employment or rental screening companies. This is the second time Transunion has provided a background screening company this same inaccurate information. They also provided this information to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid 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:
Chase bank is refusing to extend the payment deferral on my credit card account during COVID. I explained to them NYS is not operating fully and is facing another shutdown they said there is no other option but to pay the balance unless I want to close my account. I can not lose this instrumental credit line since I am using it to purchase basic essentials to survive during COVID given I am being prevented from operating my business during the pandemic shutdown. This is absolutely absurd that Chase will not work with their customers DURING A NATIONAL CRISIS, despite having perfect repayment history and a great long standing relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: SC
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, The list of accounts Below have violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX  error Needs attention {$350.00} SEXXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX CO All of these accounts have violated my rights, Im a US Veteran that was stuck overseas during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted.

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) 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 convictions of crimes which antiendates the report by more than 7seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

EXPERIAN : XXXX XXXX BANK XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$600.00}

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 2017-09-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a XXXX payment on 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 explanation
Consumer complaint received 2017-09-06
Company: Borenstein & Associates, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent the company a letter on XXXX/17 asking the nature of the debt and to please stop calling my coworkers and cell phone. I asked that everything be submitted in writing. I received a call at my office today XXXX. the person refused to identify himself and said that this was regarding my job. The number matched the place that I keep getting phone calls from as well as one letter telling me I have 30 days to dispute the debt. Then at XXXX I got a call on my cell phone and I explained that I did n't want them call me at my cell or my office and this is the 3rd time I have had to tell them, and that I submitted a dispute in writing along with telling them that I did n't want them to contact me by phone. The person on the other end of the phone said " I do n't care about your XXXX letter, " and then hung up. The company is a " law office '' in XXXX, Colorado called Borenstein and Associates the number is XXXX. I have copies of the letter I sent and I have a witness to the phone call in my office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX XXXX BANK XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXX XXXX Balance : {$600.00}

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 2021-08-28
Company: MoneyLion Inc.
State: NJ
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:
I had a loan with moneylion bank and there was an outstanding balance on the off {$130.00} I have communicated with moneylion through email and phone that if I pay off my outstanding loan in full that the loan account information will be deleted from all 3 credit bureaus and delete any information connected to that loan. I spoke to customer service and by email they assured me that they will do that by email and phone conversation. The person that I spoke to over the phone her name is XXXX and she assured me that she will put a note in the system for the account to be deleted when paid off. Ever since the loan have been paid off on XX/XX/2020. The account have not been deleted off my credit report and I tried numerous times by email complaining about the loan account never got deleted and its hurting my credit score. First they say it will take 30days to delete the information, then after 30days to 60 days and more, the account still report negatively. The status of the account change from paid/ok to charge off ( CO ). Then moneylion change their story and said they will not delete the account. I have dispute this account will all 3 credit bureaus and moneylion bank refused to hold up their agreement to delete the account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Knight Adjustment Bureau
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This car loan was reported fraud and was removed from my credit on all 3 credit files. Now It's back? This was dealt with in XXXX. It's now XXXX and still on my file. I had gotten a police report for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX, I received a letter from Credit Collection Services concerning a dept of {$800.00} that I did not owe. On XXXX XXXX, XXXX, I called CCS and addressed my concern that I do not owe this account and the information they have is incorrect. I also asked them to send me any documentation they may have concerning this account. I also sent them a fax the same day pertaining to the conversation and the request of the documents. I never received anything from them. Two weeks ago I went and apply for a loan for my business, and I was denied because of that collection in my credit. This report had caused a very big burden to me and my business. I have been waiting for that transaction for two years and now I can not move forward with it. Please help me resolve this issue. 
Thank you very much XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: MOHELA
State: MA
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:
I set up auto-debit for payment on my bifurcated student loans in XXXX 2017. When I checked back on my statements from the last two months, I saw that while the combined monthly minimum total from both loans of {$380.00} was still the amount I was charged, the allocation between the two loans was skewed to favor the lower interest loan. 

Under normal circumstances I am required to pay a monthly minimum of {$230.00} towards my 5.590 % fixed rate loan ( " Loan 1 '' ) and {$140.00} towards my 5.960 % fixed rate loan ( " Loan 2 '' ) for a combined total of {$380.00}. 

I am paid ahead approximately one year on Loan 2. Over the last two months, the allocation has put approximately {$50.00} of the allocation from Loan 2 into Loan 1 instead, i.e., MOHELA has been allocating ~ {$280.00} of my monthly minimum to Loan 1 and only ~ {$99.00} to Loan 2, eroding my paid-ahead status on Loan 2 and attempting to collect longer on the higher interest loan. 

I have called the company and they have promised to change my accounts, but my concern is that there are many people out there who would n't know to check the difference, or maybe they did n't borrow the money to get an accounting degree. In either case, I think it merits a look because I 'm sure there are others who have been impacted by similar practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CITIbank RDI located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, reversed my deposited checks received from Blue Shield insurance. Citibank states that XXXX XXXX placed a stop payment causing my account to reflect XXXX in fees. At the present time I do not have any documentation from my insurance provider stating their actions to reversing credits due back. I need Citibank to correct the error in refunding my deposited checks for XXXX, including overdraft fees for 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 monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-08-09
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I applied for a personal loan and got denied but when they pulled my credit report 3 hard inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  were placed on my credit report. I also applied for an auto loan which was denied as well and had another hard inquiry on my credit report from 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 explanation
Consumer complaint received 2018-02-25
Company: Optimum Outcomes, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the debt collector Optimum outcomes Inc for the amount of {$34.00} showing on my credit also given a derogatory remark when I contacted them they couldn't even speak to me as all of the information the correct information that I provided them about myself did not match any of their records. I then contacted XXXX  to dispute with them they sent me information back determining that, the det was my debt that I owed. They also sent me an updated credit report ( that I requested ) that has my birthday incorrect ( my dob is XX/XX/XXXX  they have it on my report as XX/XX/XXXX ) on the credit report provided to me from XXXX. This is not my debt I'm not sure who the company is where they're located however I have never been there. I ask XXXX  to provide me proof of validation once they validated the debt that information was never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for a trip using my Chase Sapphire Preferred credit card. It turns out that the company was fraudulent so i filed a complaint with chase using their travel protection benefit for the amount of XXXX in XXXX and XXXX Chase, however refused to stop stop a fraudulence company from charging my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: AES/PHEAA
State: CA
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:
A loan of XXXX was automatically transferred from XXXX to American Education Services. Their first automatic payment was extracted at around XXXX dollars, which is my regular payment when other services held it. Then second month with AES, I receive a letter that they will be pulling XXXX on a XXXX amount with 6.8 %. How does that even add up? Through more than 3 servicers, the amount has been a consistent XXXX something per month. I started doing research on them and it appears that I am not the only one to experience this attempt at delaying payments due to hiked amounts in order to cash in on late fees. I am fortunate that I am in a position to just pay it off in one chunk right now so I don't have to deal with them. This way since I am paying it off all at once, they don't even get a chance to try and collect anything extra out of me such as inexplicable extra payments, fees, etc. I feel sorry for the others out there reporting it. Some are trying to bind together for a class action lawsuit. I think this warrants looking into.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.

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