BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted a transfer from my checking account, by scheduling it for XX/XX/2019 in advance. Over a week later, I noticed the transfer had not occurred and there was no record of my transfer when I logged into my account. I tried submitting a new transfer, but the system would not let me schedule any transfer that would cause my account to drop below a balance of {$5000.00}. Upon reaching out to the bank, I was told there was a hold on these funds, which I had deposited at account opening over TWO MONTHS earlier, and that there was no expiration date for the hold on the funds. The agent did not attempt to solve the problem. 

It is completely inappropriate, against policy, and possibly illegal for the bank to have an indefinite hold on over {$5000.00} of money in my checking account. According to the bank 's Regulatory CC Disclosure, these funds should be available for withdrawal/transfer by the second business day.

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 2020-04-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XXXX customer stole my cashier 's checks and Chase is refusing to cooperate with XXXX to get my funds released back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America Edd debit Card account. I have been trying to get back 2 amounts that were stolen our of this account. I have submitted 3 complaints here this is my 4th XXXX the number of my last complaint. Briefly XX/XX/XXXX {$5000.00} was transfer out of my account by criminals who set up a bank transfer on my account. ( I never even new at the time I could do this only used my card. ) on XX/XX/XXXX on {$4400.00} was stolen the same way. Then after that and after what seemed like a million calls, instead of listening to me or investigating, B of A edd proceeded to reimburse me and the criminals would steal it immediately. Now, since I have tried repeatedly to talk to resolution dept. of B of A edd I have recently received a letter on saying they have temporarily credited my card, which is associated with my account which was closed because of the criminal activity, which I had to do since they were not doing anything. So when I call to figure out how to get my partial payment of what was stolen, I am told the account is closed and they can not help me and to talk to XXXX/EDD. I have been speaking with a very nice caring lady at EDD and she told me that once the money is transferred to Bank of America EDD account they have no control of it. She has put in an inquiry to the higher ups for me. So I have been waiting a month for a response from the higher ups at XXXX/EDD. Bank of America EDD you can talk to them for hours and the will repeat the same thing '' your account is closed and we can do nothing, contact XXXX/EDD. Also I have a new open account with XXXX/EDD, where they were sending my money by checks, because I obviously don't trust Bank of America EDD debit card accounts. I know I am not alone and I am one of millions that are being treated this way. Any help out there?

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 2017-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX/ {$0.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX/ {$0.00} 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 2021-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are not mine and I have no knowledge of. This is Identity theft and Id like these removed from my credit ASAP! 

XXXXXXXX XXXX Date Opened : XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Acct # : 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 2021-06-30
Company: Nelnet, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several paid collections from XXXX and Nelnet. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
1.In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number 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 2. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account numberXXXX 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 3.In accordance with the Fair Credit Reporting act XXXX XXXX Account numberXXXX  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 non-monetary relief
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I reached out to FedLoan Servicing on XX/XX/2021 using the contact box on their website ( after logging in to my account ) to find out : -When will I need to recertify my income after student loan payments resume to stay on my income drive repayment plan? 
-What will my monthly payment be when payments resume? 

I received an automatic replay on XX/XX/2021 and so far no one has responded to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Was not notified of investigation status or results

Complaint:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Equifax credit profile is blocked from creditors and lenders. I have contacted Equifax several times to resolve this issue however my profile is still block. Furthermore there is supposedly no freeze on my report however lenders still can't access my credit profile. The lender that is having problems pulling the report is XXXX XXXX XXXX by way of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Navient Solutions, LLC.
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:
XXXX  has been non-compliant with removing the unverified account NAVIENT XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: AES/PHEAA
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:
XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX   have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX CB/EXPRESS XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: M&T BANK CORPORATION
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
M and T bank sold my mortgage. I in error sent an electronic payment to them instead of my current mortgage company. M and T took the money, when I realized the error and called them it took multiple calls over 5 days, including escalating to supervisors to try to find where they put the money. They refused to do a conference call with my bank to figure out a way to prove they took the money, they refused to confirm they received my documentation proving this, all because I do n't have an active account with them. They then told me they sent the money back to my bank but could provide a tracing number to prove this. I then forced a conference call, was told they would call back with the tracing number, then they called and said they realize they still have the money, they were looking under someone else with the same name. They were unable to explain how they have someone with the same exact name who accidentally sent them the same exact amount of money on the same date from the same bank. They then reported they could only mail a check the next day, they could not electronically transfer the money despite trying to tell me that they had previously done an electronic transfer. When the money had n't arrived 11 days later I called to find out they had n't sent it the next day as agreed, but rather 8 days later. This was a clear attempt to keep money they knew was n't theirs, and completely unethical behavior for anyone but especially a bank

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 2021-07-01
Company: Medical Data Systems, 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: Account information incorrect

Complaint:
This account was paid in full and I was told that after it was paid in full that they would delete the entry from my credit profile. However, this account is still reporting on my credit profile.

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 2021-06-30
Company: CarMax, 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:
My personal identifying information was stolen and used for bogus fraudulent activities without my knowledge or consent. In XX/XX/2021 I looked at my free credit report to see what was going on and I was blown away in shock because all 3 bureaus had not only inaccurate and misleading accounts but also many many inquiries that I neither made, nor authorized for any purpose. 

I am extremely distressed and worried about this situation and how it is currently affecting my credit and how it will affect my life in the future. I am a single Dad to XXXX XXXX XXXX and I was hoping to buy a house sometime in the next year for our little family. I feel like all of my harcd work and my dreams are crushed suddenly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I first heard of this debt on XX/XX/XXXX, when one of their letters was redirected to the correct address for the first time. I went to their page and filled out a form to start a dispute and received no response. 

I next spoke to someone on the phone for the first time on XX/XX/XXXX, in response to the call made XX/XX/XXXX. ( note that the number I was being called from and the number I was told to call are different ). This person had no knowledge of the dispute form I had submitted on XX/XX/XXXX. They gave me an email ( XXXX ) to send my dispute to. I sent a dispute email to that address on XX/XX/XXXX. 

Yesterday, ( XX/XX/XXXX ) 6 days later I received another call and called back. The man on the phone was very aggressive. He told me that they never received my email, ( see proof that it was sent on XX/XX/XXXX ) when I told him that the debt wasn't true and legitimate he told me " Yes it is '' and when I asked someone else to call me back he said " I'm sure they will '' I sent the email again on XXXX multiple times, since they claimed not to have received the email on XX/XX/XXXX. They emailed my wife almost immediately thereafter with a email that simply said " done. ''

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 2021-10-04
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened an account with Citi Bank ( Citi XXXXXXXX XXXX XXXX ... promised {$700.00} Bonus ... .I met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !

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