BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is my 2nd complaint that I have had to file in the past several weeks about Bank of America, which is a separate issue from my first complaint. For the past few days someone has been accessing my credit card account to update my mailing address and phone number. I live in XXXX, and the individual is updating my address to a XXXX address. I am very concerned about this. I have done everything I can to try to get Bank of America to secure my account. 
I have reset my online profile, had a new card issues, had a security question added to my account. However, for three straight days someone had managed to STILL change my mailing address. The most recent time they requested a new card to be mailed to the address that was unauthorized. I called in early this morning to report it. The individual went right into my account details without asking for the password that I had setup. I brought this to the representatives attention immediately. This is very concerning as it seems that Bank of America is being hacked. I am very concerned that someone has my personal information. I have even setup fraud protection with XXXX, but somehow someone keeps being able to call into Bank of America and change my address for 3 straight days, and then request a new credit card to be mailed to them. Also, my account security does n't seem to be taken serious when representatives continue to release account information without verifying my password when I call in, which I thought this was to protect me. I have been assured by 4-5 different reps that the issue was fixed and this would not happen again. Well, 3 straight days someone has been making changes to my account. I have been a long time customer of Bank of America, but I am scared to continue to do business with them. I do n't mean to keep complaining, but I am fearful that Bank of America has breached my security on more than one occasion now. What is going on with you guys???

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 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My car company stopped reporting to transunion and XXXX for a year. Thats how long ive had a incorrect balance on my credit report. Ive already reported. XXXX came up with the same incorrect balance. I do not feel, like a proper investigation was done. 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 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Collection account reported by XXXX XXXX XXXX on XXXX/XXXX/16 for the amount of {$130.00} for original Creditor : XXXX. Last Reported XXXX/XXXX/16. Reported on TransUnion and Possibly XXXX. I have paid this bill already and has not been removed, I called TransUnion but they were unable to help me. I called XXXX XXXX XXXX but they referred me to TransUnion, I am being bounced around. I have proof of Payment confirmation for the amount due and will attach it. Please fix this 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 2020-07-12
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
out of work for 2 months for covid stayat home order. made plenty of oaynents in good faith to amex. i of course have proof how we were paying them. they call my home all day up to XXXX at night. i asked them to not keep calling me that there was a pandemic and we have been paying you. they said ok theyll cease and desist XXXX hung up. next thing i know they reported me deliquient and made my perfect XXXX score to XXXX they specifically said aa long as im paying them theyd not report me. they asked me for {$2600.00} per month and weve paid {$5000.00} payments in less than a month. unreal how to treat people at their worst time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My BOA card ending in XXXX hastily without warning got closed. My credit card had a 0 % APR promo that I used and I 've been paying my minimum on-time for 5 months. Then all of a sudden BOA decided to close my account without warning no call or anything. 

This is unacceptable as a consumer. My letter from them stated only they have the right to close it. There was no exact reason in there. And no chances given. I am a Preferred Client of theres too and now looking for other options unless they reopen 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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with XXXX on a vehicle I traded in and paid off and opened a new loan. Ally sent XXXX information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, XXXX did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and XXXX should be held accountable. As stated by them there were many consumers effected by this and clearly XXXX is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated  XXXX  2016  to be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: American Accounts & Advisers, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have received notice via XXXX a collection agency American Accounts Advisors of XXXX XXXX, MN. Yet I 've received no bills or notices of claim. I do n't know what the bill is nor has anyone attempted to contact me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Store is Children 's Place and the Credit Card company is XXXX XXXX XXXX. I paid the balance of the card on XX/XX/2022 of XXXX thinking the card was paid off I didn't check the card until I received a notice in the mail on XX/XX/2022 and I went ahead and paid the XXXX and they waived XXXX in late fees. I tried calling them since now I have a negative report on my credit for this and they would not take the negative action off my credit report. On XX/XX/2022 they put a finance charge of XXXX on my card after the date of me paying it off then it began the snowball of finance charges and late fees as follows. XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX. I should not have paid the XXXX and I should not have a negative against my credit score from them. They are a scam and need to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2015 my wife and I were alerted by a Chase alert that we had a very low balance in our checking account. On calling back, a Chase representativeinformed us that Chase had already advanced us money to pay off these checks. The account was frozen. On going to a Chase branch on XXXX XXXX, 2015 we reviewed our account with the rep and noticed, besides the XXXX checks where someone fraudulently signed my name to people I do not know, a telephone transfer was made on XXXX XXXX which removed the money from the savings account and transferred the funds to our checking account. Neither my wife nor I authorized the transfer nor were we aware that the transfer occurred. The rep investigated further and found that the only information provided, which allowed the transfer to occur, were the routing and checking account numbers and our names. We are submitting this claim against Chase for allowing XXXX fraudulent checks to be cashed and a telephone transfer to occur without asking any security questions which my wife and I could have answered and the thief or thieves could not. We feel that if Chase had been more vigilant, and asked the right security questions, this fraud would never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My Student Loans from XXXX and Navient are almost at XXXX and I only have an AA degree. For years, I tried to make arrangements with my leander to make affordable payments but I was always talked into being on a forberance program. Because of this the interest on my loans have been astronomical and almost fabricated in my opinion. My desired resolution is for my loans to be completely forgiven because I have been taken advantage of for years. They would ask me for XXXX monthly payements due to interst. this has affected my credit etc for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Comerica
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My XXXX was deposited into my direct express debit card acct on XXXX but when I tried to order pizza that evening I rcd a msg that there was a problem with my card and to call my bank. All I knew initially was my acct had been suspended for suspicion of fraud and my balance was less than {$100.00}. My bank was alerted after XXXX transactions were made from XXXX merchants in XXXX, CA. They did not call me and I have to wait 3-5 days to file a dispute even though the transactions are still pending so should be reversed immediately. The thief spent XXXX in 4 hours and I 'm unable to pay my rent now. I have filed a complaint with the FTC, XXXX Police Dept, and do n't know what more I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
statements, contracts I treated that this Co. Global Client Solutions LLC is a company that stole my money, and my wife with out my authorization. we were victims of unscrupulous an unethical practices. 
I spent to have a result soon looking forward for a solution to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: COAST PROFESSIONAL INC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX at XXXX made formal notification of XXXX XXXX account delinquency of {$6800.00} to external collection agency, Coast Professional , Inc. Have written to Coast Professional Inc XXXX to substantiate and verification of debt in separate mailings. On XX/XX/2022 notified New York Attorney General of my on-going debt collection circumstances. On XX/XX/XXXX. XXXX  notified Consumer Financial Protection Bureau of my need to open a new student account checking with XXXX  XXXX XXXX and notify XXXX XXXX XXXX XXXX. At present, I feel its necessary in notifying my XXXX Term Life Insurance Policy of all these changes in order to proceed with disputing the {$6800.00} with Coast Professional , Inc, debt collection agency on behalf of XXXX XXXX at XXXX, current holder of defaulted student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Stephen Einstein & Associates, P.C.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a letter saying I owed a debt to XXXX XXXX services for a car loan for XXXX I am guessing that the car loan gave the to a law office by the name of Stephen Einstein & associates P.C XXXX, NY XXXX XXXX On XX/XX/2016 I received a letter stating that the creditor no longer was pursuing the debt without prejudice. so I no longer was thinking about this matter. On XX/XX/2016 I received another notice stating that the law firm was now pursing me again for this debt without any explanation I am very confused as to what to do about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Someone called my job asking for me would not say what company they were with but said they were trying to serve me with papers, that I was being sued.so this scared me I did not give any info, and ended up arguing with the lady on the phone because she would not tell me what company she was with. I told them not to cal my job anymore and gave my cell number. They called my cell left me a nasty messages again they were going to call my boss and let them know I was getting sued. I called the number back and found out it was a company saying their name was of XXXX and they were attorneys hired by ace check cashing and they were coming to my job to serve me.i was outraged and told them that was outrageous and not to call me again and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was sold fraudulently from our original lender to another company. The loan was paid off on XXXX XXXX, 2013 by sale. After numerous attempts with phone calls and e-mails asking for our original wet ink cancelled note and mortgage we to this day have not received them. The property is now up for sale and the chain of title has been broken and the owner selling the property is not the actual owner. As a mortgage holder it is my right to get my cancelled note and mortgage. The title is clouded and I do not want to have any responsibility in this mess and I am asking for my rights to be honored.

Company response to consumer: Closed with explanation