BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
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: Old information reappears or never goes away

Complaint:
Bankruptcy on all three credit reports should be off my account as of XX/XX/2022, and it's still on all three credit reports. Agencies trying to collect debts that I know nothing about and I've received nothing from them and then it just keeps getting sold and it starts all over again on my account and its been on all 3 for years and years and years and the credit agencies keep allowing this. No matter who the debt collector is, I have never received documentation therefore by law they can not be putting it on the credit report, they're not communicating and then they're selling it and it's starting over and over and over on my credit report for the rest of my life, this is not legal. Credit reporting agencies are allowing anyone to run backgrounds on me without my knowledge or approval. I have a legal documents from the courts that have dismissed my student loans and they need to be closed out on all three reports and they are not and I have given that legal document over and over and over to all three reports to no avail, this document is signed by a judge. My name is spelled many different ways on my credit report and I have provided them the legal documentation that shows the proper spelling and I've asked them several times to correct this issue and they have failed to comply along with not deleting after two years the incorrect addresses.

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 2020-04-16
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:
SOMEONE HAS TOOK MY INFORMATION AND OPEN UP SEVERAL ACCOUNTS WITHOIT MY PERMISSION WITHOUT MY CONSENT

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 2022-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22, someone fraudulently applied for a credit card with Bank of America in my name. I was alerted by XXXX via text of the Credit Inquiry attempt. 
On XX/XX/22, I received a text from Bank of America stating that my credit card application had been approved and I would receive my welcome packet in the mail within XXXX business days. 
On XX/XX/22, I received a text from XXXX that Bank of America had successfully inquired into my credit. 
On XX/XX/22, after receiving the text, I contacted XXXX about the fraud and had a freeze placed on my credit. I also contacted Bank of America to alert them to the fraud. I was told someone opened a credit card on XX/XX/22 in my name, using my current address. The card had been issued and {$3000.00} had already been charged for an XXXX. Bank of America has placed an entire block on the card ending in XXXX so it can't be used for any other transaction, be it a credit charge, ATM withdrawal, etc.

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 2022-06-21
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Although my number is private and I have only had this number a few years and know who I have given my number to including for business, relatives and friends, a company called First National Collection Bureau XXXX, out of XXXX, Nevada recently tried to contact me using a spoofing technique which should be illegal if it is not, using different area codes and seemingly fake phone numbers that showed on my caller ID in order to try to get me to answer the phone by I guess hoping they would trick me into thinking it was someone I know from my home area calling me because they were using area codes and prefixes from the area in which I live and when I tried to call the numbers back they were not. working numbers. They also sent a number of unwanted text messages regarding a debt that was not correct and that I dd not owe. 

After eventually answering to see what they wanted, they also seemed to ignore what I told them on the phone about disagreeing with this debt and not owing it and that it was past any statue of limitations to collect, they seemed to pretend like I did not give them an answer or response on the phone, because they later sent a letter to my mother 's home who is XXXX years of age harassing her in which they asked the same questions in the letter and asked me to reply by phone or mail or they would consider it a legitimate debt, although I had already told them over the phone that is was not legitimate and told them that I did not owe this debt they were asking for. I also told them that it had also been over 7 years and therefore past the statue of limitations to collect which they should have already knew, so I did not understand why they were contacting me anyway, other then to try to rob or take advantage of me, so they were doing nothing harassing me and by sending this letter to my moms home harassing her as well because she opened and read it to me over the phone which upset her. 

As of today, I seemingly have also started to receive calls from this company again using fake phone numbers and different area codes as I had stated above. 

I also found out that the letter they mailed, they had changed the date on the letter from what they told me on the phone to XXXX of 2016 instead of what they originally told me on the phone of it being XXXX of 2016, but either way it is past the statue of limitations. 

I had also informed them that this issue with a credit card company that originally contacted me about this debt over seven or eight years ago had already been settled, so again I did not understand why they would have this information or be contacting me about it unless they are trying to trick or scam me to send them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX, I sent a dispute letter to Transunion is regards to an account that is listed on my consumer report. The account is XXXX Account number XXXX, I requested that they investigate this account to ensure the accuracy of the reporting, as I have a right too. On XX/XX/XXXX I received a letter stating the account was " verified, '' On XX/XX/XXXX I submitted a letter exercising my right under 15 USC 1681i : Procedure in case of disputed accuracy. In the letter I requested that they send a detailed report of how they investigated ( verified ) that account, according to congress they have 15 days to either provide that information or delete the account. As of XX/XX/XXXX they have done neither which is a clear violation of my rights as a consumer. 
File # : 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 2022-11-23
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
For my US bank cash back credit card, I signed up the cash back deals to get {$15.00} back after making a purchase on XXXX. The deal expired in XX/XX/XXXX and the purchase was made in XX/XX/XXXX. From the description of the US bank website, I was supposed to receive the {$15.00} 7 days after XX/XX/XXXX. But its the end of XXXX, still see nothing. Called US bank card customers service, got transferred back and forth to several people, no one in the bank knows how to fix it. After spending hrs on the one, they are still unable to resolve the issue.

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 2022-08-19
Company: Advance America, Cash Advance Centers, Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company contacted me on XX/XX/2022 regarding a fraudulent account allegedly taken out by my wife. I explained this is fraud and I am verbally disputing the debt and requesting a validation letter showing documentation that this loan is ours and owed. They refused to honor my request and stated they would be suing us instead. Later stated there is already a judgment against my wife. Did not state mini-miranda or call recording disclosure, called with a pre-recorded message, and violated the FDCPA as well as XXXX and XXXX XXXX I will be seeking legal action against this agency for malicious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime has suspended my account to where I can not use any of my money. I received my direct deposit from my employer into my account and Im unable to use it due to them suspending my account and not resolving it. They suspended my account on XX/XX/2022 at XXXX due to unusual activity when I was just trying to login and update my phone number since I dont have the old number anymore. Chime wouldnt let me use my phone number because it said it was used on another account so I tried using another number. I provided them with all the information they needed including proof that that is my phone number right after they asked for it! Im a XXXX XXXX XXXX with low income and Im unable to buy food, pay bills and put gas in my vehicle to go to work now. Every time I call they inform me they can not do anything to help me to unsuspend my account and that I have to wait. Everytime I called they told me it would be resolved in a couple hours and gave me a different time frame every single time I called and talked to someone which it never became resolved. I am at very upset because now I have no way in providing for myself and my kids due to this issue and its not being resolved. I have been a loyal customer with them for XXXX years with no issues until now. I need help and they refuse to help me so I can use my money that I worked for! Im now worried Im going to lose my job because I can not drive my vehicle to and from work, Im also worried Ill have my utilities turned off and have no way of feeding me and my kids. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EdFinancial Services
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:
My student loan servicer is EdFinancial. 

I had my loans forgiven in XXXX and got a refund check in XXXX. A week later, I got another check for the same exact amount. 

EdFinancial said it was all fine and that " we wouldn't make that kind of mistake ''. I insisted there must be some clerical error, but the woman I spoke with said no, be happy you have the money - go ahead and deposit it. 

I hung up and Googled the issue and found out I was not alone in this predicament. Other EdFinancial customers have had their forgiven loans re-opened in the amount of the duplicate check ( that was never cashed ), they were never informed by EdFinancial, and were expected to pay back that amount plus interest. 

I called EdFinancial back and a different rep said that it must be a mistake that I got another check and that I should just " return the check to sender ''. 

I called the US Treasury to find out what to do with the duplicate check and am waiting to hear back. 

I have been checking my account every day to make sure my loans aren't re-opened, but it all sounds very scammy and I wanted to voice my concern. 

The reps at EdFinancial do not have a firm understanding for how these refunds are rolling out and couldn't give me an answer on how much I was actually supposed to get back.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-11-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Closed a CD account in preparation of hurricane Ian to have funds available in case of natural disaster as our area was in the path of the hurricane. I was charged early withdrawal fee of around {$1600.00}. Called the company several times asking them to get reimbursed for this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Lien Receivables LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Lien Receivables LLC in XXXX XXXX, CA regarding a towing of a motorcycle and storage. They indicated that the vehicle is mine, which it is not, that it had not been claimed and therefore had been sold, but the proceeds were not enough to cover all the costs involved, and that I owe {$2300.00}. They sent me documents via text message for a motorcycle, which I never owned, and at an address for which I have never lived at. I told the caller on the initial call that it is not my vehicle and that they have the wrong person. I continued to receive text messages, phone calls, and a letter indicating threatening actions including contacting my employer, taking me to court, and such if I did not resolve the matter. I have repeatedly told them that they have the wrong person and I have never owned the vehicle in question. I looked up the phone number ( XXXX ) XXXX, that texted me and found allegations that this company is a scam and this tactic has been used against others. I researched the company name and found some similar evidence that they are not legit. I have asked them to not contact me anymore, but they continue to harass me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Bank Of America is the Company in question on XX/XX/20 I filed a dispute with Bank of America. I filed a claim with Bank of America the claim amount is {$8000.00} I have a balance of {$1600.00} Bank Of America froze my account It has been a nightmare ever since they froze my account such a hassle. I have yet to access my funds and for the reason that my account is frozen Bank Of America can not work on the initial claim.

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 2022-06-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX , I checked on my credit report and saw reports in my payment history for this accounts XXXX XXXX XXXX {$320.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} I paid this accounts on time, I demand you to fix this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I received a notice from NewRez/Shellpoint regarding my loan XXXX. The notice stated I was past due on the payment due XX/XX/2022. I reviewed my loan online and noted that I was also considered past due on the loan for XX/XX/2022. 

My payment amount was {$1400.00}. On XX/XX/2022 I called NewRez and spoke with a male representative. I recorded the phone call and it lasted about XXXX minutes. During this conversation the representative explained to me that my payments I made in the amount of {$1400.00} were applied to principal and not to my due date amount. The representative said this was because of an escrow difference and " their system '' applies it towards principal and then considers the customer late for the amount due payment. I received a {$50.00} late fee charge.

I expressed my concern that NewRez would not notify me sooner than XX/XX/XXXX of the late payment. NewRez stated they attempted to call me at a " work '' number and was unable to reach me. Despite putting my cellphone number on my original loan application, somehow NewRez determined that they should call an automated work number without dialing the proper extension or trying to get a hold of a switchboard operator to reach me. I filed a complaint with the company regarding their lack of attention to this matter. The representative took my complaint, and assured me that he would apply my payments towards my total due amount and reverse the late fee. 

I continued to check my account waiting for the changes to take place. On XX/XX/2022, I saw that the changes to my account were never applied. Additionally, a second late fee of {$50.00} was applied. I called a second representative, escalated my complaint to a supervisor. The supervisor assured me that the changes would be made. I stated my position that NewREz/Shellpoint is purposely deceiving customers when they accept our money, apply it to principal, then charge us a late fee for a past due payment. I'm concerned about the ethical implications this presents on NewRez. If this can happen to me, it is probably happening to hundreds, or thousands of other customers and NewRez is benefiting from the late payments of thousands of their " customers ''.

In my case, I'm savvy enough to know better. I'm concerned about the millions of customers who are unethically treated by mortgage companies such as I was by NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
US DEPT ED XXXX {$12000.00} US DEPT ED XXXX {$57000.00} XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$280.00}

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 2018-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
OWR NOTICE OF ERROR 524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have BAC escrow the payment and not apply them. In XXXX Bank of America transferred the loan to XXXX. XXXX began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by Bank of America which was purchased during the federal stay was still on the property and the plicy debt being asked for by Bank of America and now XXXX was not petitioned to be in the bankruptcy plan making that debt discharged.. XXXX was notified by Mr XXXX in XXXX when XXXX sent out the transfer notices with the original note information that the loan data was incorrect. XXXX did not comply with the agreement until XXXX when finally XXXX corrected the loan in XX/XX/XXXX. XXXX at that time was still listing a insurance debt owed from Bank of America and now because of Bank of Americas actions to create an escrow account for the insurance and taxes XXXX began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. XXXX refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. XXXX filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXX has acknowledged that I had made payments and that BAC had not been compliant with my Bankruptcy plan. XXXX has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.

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