BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
bank of America overdraft accounts to collect fees, i have checking account with a little money on it as i deposit daily they made up fees {$35.00} overdraft fees XX/XX/2022, when i called why this fees i didnt use my card where is the transaction that over-drafted the account representative claim its 2 days ago {$60.00} transaction i told her it was taken already from account and if account have {$5.00} and XXXX transaction it would go XXXX not XXXX as you put, then she took it off the next day they put it again as if i m not going to be looking. i called again and the rep said something else that it was transaction {$48.00} a day ago i said it should be XXXX not XXXX he insisted its right and kept the fees. they did this again in XX/XX/2022 when i had {$43.00} in the account no transaction happened n they charge me {$10.00} overdraft fees they changed fee amount. i called to ask why i was charged fees and which transaction that caused it i got the same nonsense. i figured out that it seems the bank make up any reason to charge overdraft fees, specially i m exempt from maintenance fees because i deposit and use average of $ XXXX  monthly

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 2022-06-28
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone in XXXX Texas is still using my social security to open accounts, even after i already submitted reports, to F.T.C., Id theft.gov and called the companies where accounts were open ... .. only thing I didnt do was a police report until now ... ... ..made report and submitted in XXXX Nv ... ... XXXXall this has started since XXXX 2019 this last one is with Discount Power; used my SS # but added his name .... 
That should of been a RED FLAG : : : : : acct closed from last week... Talk to Fraud Rep. today and she want me to send an email to A R Operations U S Retailer Energy.com Case # and FTC case # sent to her..dont have yet FTC #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX Sallie Mae Bank reported to the credit agencies that XXXX of my loans were XXXX  days passed due which dropped my credit by XXXX points. I made on-time payments the entire time I've had the loans. I contacted Sallie Mae to discuss the issue and they had multiple account errors with incorrect information, stating I was in the military and that my deferment period was already used. Both of these statements are incorrect. I've never been in the military. I contracted all the credit reporting agencies to dispute the late payments. I contacted Sallie Mae by phone and by mail. I provided proof of all my payments in XXXX and XXXX both on the Sallie Mae site and my bank statements. I have received no response from Sallie Mae and they have refused to take the derogatory payment remarks off of my credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
All of these accounts are closed and they are still trying to collect a debt from me that should completely be gone : I do not own any of those company cards at all and I would like them to be removed off of my credit completely.

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 2022-06-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The following companies listed below from XXXX through XXXX are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies ( ie XXXX, XXXX, Experian ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXXXXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX opened XX/XX/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 2022-06-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The following companies listed below from XXXX through XXXX are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies XXXX ie XXXX, Equifax, XXXX ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXXXXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: IL
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: IL
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Bridgecrest. I have set up an account to manage my loan. However, their website does not show the loan balance, how/when my payments are applied so that I can readily see this information. It only shows a balance. Shouldn't I be able to se the start of my loan, when payments are applied and the current balance all at the same time? When I emailed them about this, I was required to all about this and I was advised that the only thing they could do was provide me with a loan payoff balance. This doesn't do me any good. What if I make extra payments and what this applied to the principal only ... ..how do I verify this? Why do I have to call them everytime I want this information and be told it will take 24-48 hours to get this information sent to me. 
Doesn't this violate some Truth-in-Lending statute?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have initiated a domestic wire transfer of {$12000.00} on XX/XX/XXXX and I still don't have access to that money even today which is XX/XX/XXXX. Initiating bank is Wells Fargo. I am both sender and receiver of the wire transfer. 

I called ten times on the status and all I got for the first 4 business days is that it can take 1 to 3 business days and I have to wait until that period is complete. I asked them multiple times to tell me if there is a problem and I can verify information is needed. No knowledgeable rep answers and all they tell you is it can take 1 to 3 business days.

They let me open an investigation after completing 3 business days and still no answers. I asked them to provide wire transfer confirmation page which lists all the details including the account and routing numbers and they said they will request the appropriate department to email me the copy and I still dont have it. 

I called the recipient bank ( XXXX bank ) multiple times and they said they dont have any info of that wire with the given federal reference number and I need to talk to Wells Fargo bank who initiated the transfer. 

Its been exactly one week now and I dont have acess to my money nor I have any information. All I can do is to wait for the bank to finish the investigation which can take 10 business days. 

This is unacceptable as both are domestic banks and as a customer I need to be able to get answers. Wells Fargo charged me {$30.00} on the same day and I still dont have access to my funds.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$3700.00} US DEPT ED XXXX XXXX : {$1100.00} US DEPT ED XXXX Balance XXXX {$2100.00} UP ARKANSAS XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CHASE/SLATE XXXX, solicited me for PRE-APPROVED CREDIT. On XXXX XXXX I submitted application for credit. I called Chase credit card department about the status of my application, I was told that credit was denied. I then asked the agent to delete my personal information and not to sell it. 
CHASE CREDIT CARD DEPARTMENT refused to delete my personal information and not to sell upon my request. This denial happened after the initial agent I spoke with spoke to someone that directed the agent to refuse my request. I ask why they won't delete the agent on XX/XX/2022 at approximately XXXX and was told that they will not delete my information because I was denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: CAVALRY INVESTMENTS, LLC
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:
I have incorrect information reported on my credit report this is inaccurate and I need it remote and fix I have been a victim of identity theft and trying to rebuild my credit and protect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
ReliaCard XXXX XXXX XXXX ( for Child Support ) Spring of XXXX I was asked to confirm my identity with the new app ReliaCard was requiring. For XXXX months I was unable to use my account because the photos of myself weren't clear enough or light enough etc. I ended up attempting to validate my acct. XXXX XXXX with waiting time in between to see if it qualified. 

This accrued XXXX of child support that I was unable to use. 
When I finally got my ID confirmed with their app, I used it a couple of times to see it worked at a grocery store. Ironically, my account gets frozen again within that week of using it. 
XX/XX/XXXX Card to Bank XXXX to XXXXXXXX XXXX Personal Checking- ACH Withdrawal {$1900.00} XX/XX/XXXX Card to Bank XXXX XXXX XXXX same for {$1000.00}. 
XX/XX/XXXX Card to Bank XXXX to XXXXsame for {$800.00}. 
My online account was hacked, the hackers changed my email address and alerts to my phone. Reliacard said " no error occurred '' and will not refund my money. 
I have spoken with them on the phone XXXX times, various managers, fraud dept. with one finally realizing my email and phone were changed on my account and still no change in their findings. 
Police Report was filed the day after I realized fraud happened. Case XXXX XXXXXXXX XXXX XXXX XXXX Police Dept . 

ReliaCard Case number is # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never transferred money in my XXXX years of having this card for child support. 

See attached timeline and supporting documents.

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 2022-06-28
Company: BANK OF THE WEST
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
i refinanced a home equity loan with my local bank, who in turn wired the payoff to Bankof the West. Bank of the west would not apply the payoff and close the loan down because they said it was not enough money to close the loan. They had calculated the payoff out another month for a payoff for XX/XX/XXXX, and my new bank sent the payoff for the correct amount on XX/XX/XXXX, and Bank of the west would not apply the funds. After another 5 days passed, Bank of the west debited my checking account for the regular monthly payment, then XXXX days after that, they applied the payoff my new bank sent them and closed it down. I have emailed and called bank of the west numerous times and can not get a response from them. Bank of the west has taken an additional {$1300.00} from me and will not put it back into my checking account. Bank of the west received a payoff from my new bank, and held those funds for over a week even though my new bank instructed them to payoff the home equity line.

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