BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America once again held onto a check purposely until my account had low/no funds, then put it through. It was for {$2.00}. They charged a {$35.00} fee AND refused to honor the check and pay the creditor, a pharmacy. Therefore I will incur another fee from the creditor. My income is fixed and only {$1200.00}. 

In addition, my direct deposit which was available the XXXX last month, was not made available this month. As of today at XXXX, it still isnt available. This is also done on purpose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America closed my accounts without warning, and provided my documents advising me of this to my address from over 5 years ago. That is not what was in their system at the time they closed my account. Second of all the Representative on a recorded line advised me they closed my accounts in error, due to the my debit card being replaced in ERROR and marked as fraud by a customer service rep. When asking the manager about it. They apologized and said they would re issue me another card, Weeks later i find out bank of america deny all my claims on my checking account, and instead locks my account for 3 months with money in it. Slowly draining the account down to XXXX Dollars. When trying to call Bank of America for a response, or a resolution to this matter since i do believe after being told by numerous representatives that my account was closed in error. I was told they ca n't reopen my accounts due to the Bank having me on a " Hotfile List '' That i should speak with the CFPB instead and advise them that the accounts had numerous research charges, not only that but i was told that because the account was marked as fraud in error by THEIR Customer service AGENTS. That i would no longer be allowed to open an account at Bank of America. Now when i call i am told, Sorry it was a business decision we do n't have to help you. I was never a bad bank of america customer, Maybe i went through some financial difficulties at one time. That 's not the reason the account was closed though.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$360.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} 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 2022-04-19
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX XXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX submitted the PSLF application XX/XX/XXXX XXXX rec 'd a letter indicating my loans were being transferred for Public Service Loan Forgiveness Eligibility Confirmation XX/XX/XXXX I rec 'd a welcome letter from Fed Loans that indicated my loans had been transferred. 

My eligible payment count did not include any payments I made to US Dept of Education from XXXX XXXX XXXX 

XX/XX/XXXX. Contacted Customer Support. They had me reapply for PSLF all over again AND and upload any proof I had of making those payments because the services had gone out of business. I submitted the 1098-N showing student loan interest paid for each year in question to the website. 

XX/XX/XXXX - Uploaded all of my available bank statements showing payments were in fact made for the 5 years I was not credited for PSLF payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had made a cash deposit at a Bank of America ATM using my Bank of America debit card. This cash deposit amount was  XXXX  on  XXXX / XXXX /  XXXX  . I was depositing this cash to my Bank of America checking account. I immediately noticed there was an error with the transaction only after inserting my cash into the ATM. I had been given no opportunity to cancel and/or confirm the cash deposit amount of {$460.00}. Instead, my debit card had immediately been ejected along with a receipt showing incorrect transaction information. The amount on this receipt was {$17.00}. Clearly something went horribly wrong. I notified the bank and filed a claim immediately. I was told by a representive of Bank of America who was reviewing my claim that the ATM had indeed been experiencing hardware issues and was in fact malfunctioning on   XXXX    . However they would not admit any responsibility. They would not acknowledge the possibility that this " malfunctioning '' Bank of America ATM had malfunctioned when it erroneously calculated my cash deposit of {$460.00} for the incorrect amount of {$17.00} on  XX/XX/17   . I attempted to resolve within the financial institution having complete confidence knowing I am the victim and that they would honestly investigate this transaction and return the cash. Bank of America would not correct this ATM transaction at all and the customer service representatives handling the claim would treat me horribly when speaking over the phone.

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 2021-01-28
Company: EQUIFAX, INC.
State: TN
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:
There were several federal laws Equifax, XXXX, and XXXX  violate. Violation of Privacy and inaccurate and unfair reporting. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting this information. 

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; Which main the transaction should not be report or include on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years. 

About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account. 

It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX. 

XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it. 

I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal. 

Thank you. 
-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Mortgage is punishing us for reporting them to HUD for not following FHA guidelines. We were XXXX out of our home, a XXXX, and did not make our full payments for 9 months while the house was repaired. HUD / FHA guidelines state that mortgage companies should not report for 12 months after a XXXX when the borrower is paying as agreed. We had an FHA mortgage with Wells Fargo. We learned too late that FHA and HUD protects XXXX victims. Our congressman intervened and HUD told Wells to follow guidelines, but we had entered into a contract to sell the home. If they had done the job correctly and offered the options up front, which would have allowed us to keep our home, they would not be able to report the late payments. HUD can not help because we sold the home to avoid foreclosure ( we did not refinance under disaster guidelines because we did n't know of them ). Wells Fargo Mortgage refuses to stop reporting despite knowing they did not initially follow HUD / FHA guidelines. It is obviously punitive for the complaint to HUD. We lost tens of thousands of dollars of property in the flood and were left homeless for a period of time. We had nothing except the clothes we were wearing when we were evacuated. From forks to pillows to underwear, etc, we 've had to replace everything and it 's been hell. Well Fargo Mortgage does not care. It is actually XXXX specific individuals in the mortgage servicing area that continue to not follow FHA guidelines. They must have the account noted ; no matter what method we use to voice a complaint, all contact associated with our mortgage ends up with XXXX of them. We at first thought that the reason they continued to justify the negative reporting was because we complained to HUD, but after speaking with each on the phone it is obvious from their statements that it is because we 're a XXXX couple. HUD guidelines specifically state that there should not be any reporting for a twelve month period after a national disaster, but these XXXX individuals continue to come up with any reason they can because they are XXXX. I question whether the culture at Wells Fargo Mortgage in general is XXXX or just this department, but I seriously recommend any XXXX couple think twice before doing business with Wells Fargo Mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Upgrade, 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:
On XX/XX/XXXX, I submitted a CFPB complaint ( # XXXX ) detailing how Upgrade, Inc. incorrectly reported a missed payment for XX/XX/XXXX to my credit report. Upgrade admitted the error, apologized, and sent a letter to the credit bureaus advising them of the error. 

However, in the reporting cycles since then, they once again, started reporting the incorrect missed payment for XX/XX/XXXX. I disputed the missed payment with XXXX, who contacted me to let me know that they would not be correcting the information on the report. 

I have ONCE AGAIN attached my screenshots and correspondence from Upgrade noting the incorrectly reported missed payment and their apologies. Please please please let this be the last time of me dealing with this and fix my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NC
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 tried numerous times to reach out to company to explain I have been a victim of identity theft and this account I did not open! I just keep hearing we will contact you at a later time, then I never hear anything again. This is Hindering me from purchasing a home and has effected my credit score Tremendously. If I dont here anything after this complaint I will contact corporate and any news outlets that I need to, to get this account removed from all Credit 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
Consumer complaint received 2022-04-19
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 Account # 's XXXX, XXXX, XXXX, 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 2016-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is not reporting my mortgage payments to credit reporting agencies even though I reaffirmed my mortgage following a 2014 bankruptcy.

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 2016-09-25
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In annual credit report a Pro Com Services of Illinois appears in XXXX XXXX XXXX XXXX entries and representing XXXX XXXX. The entries are small ( - {$100.00} ). After contacting my healthcare providers there are no outstanding balances and zero balance due. In communicating with the XXXX XXXX, they have no knowledge of Pro Com of Illinois representing them in the collection of outstanding debt. 
In addition, I have received no communication of any kind from Pro Com. It appears these entries are invalid, fraudulent attempts to collect monies not due them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: PA
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. 
1. XXXX XXXX XXXX XXXX remove late payments 2. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late 3. XXXX  XXXX XXXX XXXX Remove account 4. XXXX XXXX XXXX XXXX remove the account 5. XXXX XXXX Remove account, not in collections 6. XXXX XXXX XXXX Remove account should not be on the report 7. XXXX XXXX XXXX remove from mortgage report and all credit reports 8. EQUIFAX FRAUDIQ IDENTITY SCAN ALERT removes any remarks 9. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 10. Remove all names that are not XXXX XXXX XXXX 11. Remove my social security from all reports 12. Remove all inquiries from my credit report I did not approve 13. Remove all SERIOUS DELINQUENCY or late payments from all accounts that apply 14. Remove XXXX XXXX XXXX 15. Remove XXXX XXXX 16. Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 17. Remove XXXX XXXX XXXX XXXX 18. Remove all closed accounts from all reports 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 an 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 convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I never activated the account, I never used the account. I am not interested in the account. Thus, the account should be closed and reported to all major credit reporting repositories as " account closed by consumer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: IQOR US INC
State: PR
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming a XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender XXXX XXXX to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX College, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX COLLEGE due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness XXXX practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief