BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
This is my Bank if America credit card. I paid my balance in full and was still charged a late interest fee. They call it trailing interest. I used their default setting to pay of my bill and was still charged. This is highly deceptive. I tried calling and was unable to get any type of response. I will be canceling my card and never use Bank of America again for any service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello, I have been a Federal Government employee for the last 7 years and after paying towards my student loans during this entire time, I recently found out I was not eligible for the  Public Service Loan Forgiveness Program b ecause not all of my loans were Direct loans ( many are  Federal Family Education Loan Program l oans ). I was told years ago that as long as I was paying towards my loans, they would be forgiven after 10 years. I submitted the certification paperwork this year but have not received a response from the Department of Education despite submitting this information months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Special Financing Company, LLC
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is an additional complaint in relation to case number  XXXX , regarding account number  XXXX  with Special Financing Company , LLC. I received the statement for  XXXX   XXXX  this morning via email as per my request from customer service yesterday. Upon my review of the billing statement I discovered some discrepancies in regard to the account. The APR listed on the statement is 18.99 %. The APR on the Sales Order that I signed on  XXXX   XXXX ,  XXXX  states that the  XXXX  on the loan is 17.99 %. I have uploaded a copy of the executed  Sales Order  that states this agreed upon  APR. Also, the billing statement shows that there are 25 pa yments due until the account is paid in full. As of  XXXX   XXXX ,  XXXX , there have bee n 13 p ayments deducted from my bank account and credited to the balance of the loan. The offer that I received from  XXXX   XXXX  from  XXXX   XXXX   XXXX , was an offer of a 36 month ( 3 year  XXXX  loan. That is the offer than I reviewed, gave consideration to and accepted. I do not have a copy of this offer, however  XXXX   XXXX   XXXX  should have a record of it. I have uploaded co pies of 13 payments that have been withdrawn from my bank account. If there are 25 payments still remaining and I have paid 13,  this is a 38 month loan. Also, customer service has informed me via telephone that this is a 3 year loan. My last concerns are that I was charged {$990.00} just to " start '' the account, and no funds from this fee were applied to my account balance. Additionally, there is a {$1000.00} added to the balance of the loan that is not part of the funds dispersed nor interest. I question if this practice violates consumer right 's laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I opened an account with Sync bank/ tjx credit card the account was closed on XXXX, XXXX, XXXX. I got a derogatory remark on my credit report stating that this account got sent to collections however i was never notified about this debt and never received the bill. I would like to address this immediately and get this negative mark removed from my account.

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 2019-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contact information correction on initial complaint against USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: GA
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:
Department of Ed/XXXX XXXX All of the loans they have on my credit report I believe belong to someone else. 

Please provide ORIGINAL documentation or remove them from my credit report immediately. I have no recollection of these loans and also how is a loan on-time in payments then all of a sudden 120 days late. Impossible, proper notice should have been given before notifying an individual of something being 120 days late. 

This is ridiculous, please assist. 

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 2019-12-16
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We took out the credit card to get Zero percent interest on our purchase of {$990.00} provided the balance was paid within 12 months ( XX/XX/XXXX ) Electronic Autopay for {$83.00} to be applied the XXXX of each month ( Payment due date is the XXXX ), was established at our Bank and according to our records, which the bank confirmed all payments were made as scheduled and funds received on or before the XXXX of each month. 

We received 5 late fees : Payment date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$25.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} We were informed that {$220.00} in interest was added to the account on XX/XX/XXXX because the balance had not been paid off, we were unaware that there were late fees. We have a balance of {$300.00} and have made payments that total {$1100.00} despite consistently making timely payments within the specified time. The late fees seem erroneous and the credit company states that it is not their policy to adjust accounts based on due dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: P.S.C., Inc
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been seeing an apartment for {$16000.00} on my credit report and I never lived at that location. I contacted the collection agency and told them about the inaccuracies and they basically told me they wo n't delete it. I called the original creditor and they are no longer in business.

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 2019-12-16
Company: Southwest Credit Systems, L.P.
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: Information belongs to someone else

Complaint:
Southwest Credit Systems has been reporting a fraudulent inaccurate account for {$510.00} to my credit bureaus, I have never done any business with them or their affiliates. This debt is not mine. This incorrect information is harming my credit, stop this at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid {$180.00} on XXXX XXXX, 2019 to Credit Collection Services. Original debt that was listed on my credit report was {$120.00}. They said they would mark the account " Paid, or Settled in full '' on my credit reports. The credit bureaus updated on XXXX XXXX, 2019. The account still had an " open '' status. I called them and they wanted another payment of {$88.00} which I paid online. They told me the collection would be removed from my credit reports, but it still shows an {$88.00} balance as of today ( XXXX ). I have called and complained to them several times but nothing has been done. They will not remove the collection from my report and it's delaying a mortgage loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX for Account # # # # # XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: CA
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 has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # XXXX has violated my rights. 

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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 of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-28
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

BCM FCU 513040012002**** 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 : States 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 non-monetary relief
Consumer complaint received 2019-12-16
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A deposit was mailed on XX/XX/2019 and was not deposited by the bank until XX/XX/2019 thus causing me to has {$140.00} in bounce fee charges. If the deposit would have been done on the second my account and checks would not have bounced. I have asked the bank to credit the {$14.00} back to my account and they have refused.

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 2021-12-11
Company: Experian Information Solutions 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:
Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due XXXX XXXX XXXX k.

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 2019-12-16
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:
I ask Transunion to validate debt and send me copies of contract or something that have my signature on it. They came back and said account verified with nothing to show me. I have no knowledge of this account XXXX XXXX XXXX with a bill of XXXX and XXXX, please remove this account from my reports.

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 2019-08-08
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a citibank checking account that has been blocked for nearly three weeks. I am currently paying fees to keep the account open, late fees for my credit card because without access to the account I can't pay my bills. I have contacted the bank four times, and was told that my account is under investigation and then they hung up on me. I have done nothing illegal, owe no money, and have at no point received any information as to why I am being targeted by Citibank. 

For months before, I had been locked out of the account because of their incompetent internet banking that would change my password. But at this point they won't even give me information and just hang up when I call. 

This is causing me severe hardships as I am abroad and need access to these funds in order to eat, pay rent, pay bills, etc. 

It is XX/XX/XXXX, and I have not had access to the account since XXXX. 

In addition, I have been paying a monthly fee of XXXX USD for a service of citibank priority that I am unable to use, given they have never sent me a card to activate and use.

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 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 used XXXX to donate {$35.00} to XXXX XXXX XXXX. on XX/XX/2019. My credit card ( mastercard ) was by Bank of America. It was posted on my account in XX/XX/2019. I paid my bill when I received it. XXXX sent me a notice of late payment. I called Bank of America. They said they would investigate. I received another late notice from XXXX. My account with XXXX has been turned over to XXXX XXXX XXXX. XXXX says I owe them {$190.00} in late payments, fines and interest. My bank, Bank of America sent me a letter on XX/XX/2019 saying they resolved the case and credited my account {$37.00}. My credit score has gone from XXXX to XXXX because of their negligence. They owe me {$150.00} to pay back XXXX, and restore my good credit.

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 2022-04-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022 I applied for a Chase Saphire XXXX Credit Card. There was some problem on the application and I had to call them on XX/XX/XXXX, but that day they approved my application over the phone. Before I received the card, I noticed that Chase was advertising a higher initial offer on the credit card than what they had agreed to give me, offering XXXX reward points instead of the XXXX they had offered me. So I immediately called and asked if I should be getting the XXXX. The customer service representative said she would file my request to get the XXXX and I would get a response within a few days via email. When I didn't get a response at all, I called again today to ask whether I should still be expecting it. I was told by a different customer representative that I would be receiving a letter via hard copy in the mail that would have me send in proof of the offer for XXXX and then I could return that proof to be evaluated for giving me the offer. Because the offer of XXXX is on the Chase website, I wrote customer service an email using their own internal system explaining the situation and sending them a pdf of their own website offer. I received a curt response saying that I was not eligible for the public offer and would only receive the original offer. I have gotten the " run around '' by chase customer service and received three different responses to my inquiries about their confusing and misleading advertisements. Because these business practices seem questionable, I have not yet used the new credit card and am considering just canceling and not engaging with them further, but allowing this type of anti-consumer behavior of engaging in defacto " bait and switch '' schemes on credit card offers seems likely to cause other consumers significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a member of USAA for almost 30 years and on XX/XX/2019 a direct deposit in the amount of {$4500.00} was posted to my checking account for my payroll. On XX/XX/2019 I tried to raise my atm daily limit from {$610.00} to {$4500.00} on the USAA app, but was only able to raise to {$3000.00}. I then contacted USAA via their 800 number and first spoke with XXXX, who told me that my daily limit was not going to be raised. I explained to her that was a payroll deposit and funds should be available for withdrawal, since there is no hold for direct deposits. She continued telling me that the atm daily limit could not be raised, so I asked to speak with a manager or supervisor and she continued repeating that my limit would not be raised and did not transfer me. I then rang up and called again and after one hour in between holds on the phone, I was able to connect with a member of the executive resolutions office, who told me that since I had an overdraft on the past 12 months, I did not qualify for an atm limit raise to withdrawal my own payroll funds. I had then to transfer part of my funds to my son 's account to access the entire amount of my payroll.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING ISSUES WITH EXPERIAN REPORTING AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN REMOVED FROM THE OTHER TWO BUREAUS

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