BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, XXXX we, XXXX / XXXX XXXX, received a letter of debt forgiveness for our Home Equity Line of Credit. In which, XXXX, called to verify and proceed forward ( All documents are attached ) We received a the XXXX for XXXX Tax Year for XXXX / XXXX each from Bank of America. 
We are in the closing process of selling the home that is located on XXXX XXXX, XXXX, prior to foreclosure date of XXXX XXXX, XXXX. When the title company for buyer found out that Bank of America has a lien on the house, XXXX has been in contact with Bank of America. Spoke with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Bank of America is stating that XXXX opt out of the Debt forgiveness, when in fact, she did not. 
By our understanding, the letter we first received XXXX XXXX, XXXX is part of the Dept. of Justice Lawsuit and is considered a zombie debt and can not come back for debt. 
In contacting Bank of America, they are now stating that we owe back interest of the amount of {$11000.00}. There has been no contact from Bank of America since XXXX when we were sent the original letter

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 2020-01-16
Company: EQUIFAX, INC.
State: FL
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 information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. 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 2016-02-26
Company: WELLS FARGO & COMPANY
State: VI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Around XXXX CALLED WELLS FARGO @ XXXX, spoke to agent XXXX, regarding an overdraft charge on my account 's statement of XXXX 2016. I wanted to know why an overdraft fee was done when the balance, given for that day could more than cover the " overdraft '' she indicated to me that she could authorize a credit of {$3.00} and some cents, the system would only permit that amount and she could not do the entire amount. She explained to me that there were pending charges given XXXX XXXX, which she could see that were included making the account with a negative balance. I asked her if she could send me that info and she replied no because it was internal use. I ask to speak to a supervisor who would have authority to reimburse full amount and she politely saw to my request. The Supervisor XXXX gave her full name but I did n't record her last. She ask how could she help. I advised her I wanted a full refund because my statement does n't show in my estimation that an overdraft was needed, therefore no {$12.00} fee should be charged. She answered my question with the same info and explanation that XXXX gave me. I interrupted her to advise her of this. I ask her where is she seeing a negative balance? She replied the pending amounts, XXXX XXXX, which I realized were the posted amounts for XXXX XXXX, on my statement totaled that negative balance, therefore she would only authorize the same refund that XXXX indicated. When I stated that was unfair because these transactions were not on the XXXX but XXXX she stated that they were pending therefore valid for the XXXX. I stated to her you can see my statement has them on XXXX and I should be given a full refund at that point about XXXX, I said her name and got no response, I continued to say hello until I concluded I was disconnected there was no dial tone, just silence and no response from Supervisor XXXX approximately 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 monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-04-11
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from CCS ( Credit Collections Services ), stating that I owed money to XXXX XXXX XXXX and demanding payment of {$240.00}. 
I contacted CCS and asked the nature of the claim. They could not provide me with a date or reason for the debt. I disputed the debt with them. 
I then contacted XXXX XXXX Collections department and spoke with XXXX XXXX x XXXX. He checked all our information, telephone numbers, SS #, tax ID and could not find any debt of any type associated with my name. 
CCS indicated that they are unwilling to remove this debt from our record. I am requesting action be taken against CCS and our name cleared of all claims from CCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
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: Information belongs to someone else

Complaint:
unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached

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 2016-09-22
Company: JH Portfolio Debt Equities, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with 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 2016-05-21
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Weltman , Weinberg & Reis Co. of XXXX Ohio received a judgement against me in XXXX Court for a credit card I was unable to pay on because I became XXXX. As of XXXX XXXX, 2016 they have tried to hold/attach my social security XXXX check & my husband 's social security money direct deposited into our joint bank account via the court system. I never even received notice of this latest hearing. Just a notice from the courts that it was done. 
I know the money in the joint checking was tried to put on hold cause my bank contacted me. They did hold the money in the joint savings account, which was a small amount transferred for end of month expenses via the regular joint checking. 
So now, we are faced with the point where Weltman , Weinberg & Reis will try to hold our social security money every month if they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: ENCORE CAPITAL GROUP INC.
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, representative from Midland Funding , LLC contacted me numerous times between XXXX XXXX - XXXX, 2015 requesting payment for a debt. XXXX requested I make a payment and I refused because I had not received validation of the date. I inquired about a settlement without validation and was told by XXXX that I had to give him my bank account information before they could make offer a settlement. I declined to give him my information and requested a settlement in writing and was again told that he could not give me a written offer until he had my bank account information. I declined giving him my information. In XXXX 2015, they reported the collection to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days  beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. 
We request the Agency investigate the postal marking on the envelops. Request the late fee be removed and credit on our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received my first student loan more than 30 years ago, and my last disbursement was on XX/XX/1991. I have been paying on them off and on since then. My loans have been consolidated multiple times, but the interest rate is still around 8 %. I do not think the data I downloaded is correct. Student Total All Loans Outstanding Principal : {$140000.00} Student Total All Loans Outstanding Interest : {$19000.00} Can someone please review it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems inc. is in violation of 20 of the FDCPA Laws as you can see in Exhibit A, B, C, and D I sent Transworld Systems inc. a debt validation letter, Transworld Systems inc. failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus which is another FCRA violation. Also as you can see in Exhibit C and D the amount is reporting inaccurate. By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want an apology and I demand remedy by paying the invoice included of {$20000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. Please I ask you to investigate this matter and help me from further harassment. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I have a Bank of America Credit card as of XXXX the balance was {$23000.00} which consisted of {$8000.00} at 19.49 % and {$15000.00} at 0 % I made an extra payment of {$8500.00} which I wanted applied to the entire high rate balance. I also made {$900.00} in regular payments as I do every month. On my XXXX statement I still have {$2200.00} at 19.49 %. My large payment was not applied to the higher rate balance and I did not make any additional purchases or advances. I just called and they refused to fix this and just said that is how they do it because of the timing of my {$8500.00} payment they consider it my regular payment and applied it as they pleased. I realize that this is not a lot of money but if they regularly do this it adds up to a lot of extra money for them and it 's not right.

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 2022-02-24
Company: JPMORGAN CHASE & CO.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I was browsing auctions on a site called XXXX. In order to view the auctions and the activity, you need to enter your credit card information. 

I was browsing few auctions looking. at watches because I love watches. 

I was at home on my computer. I went back to work on some tasks and suddenly I received an email saying I won an auction for {$2700.00} and I had to pay {$3700.00} for a XXXX ring. 

I wrote them right away that it was a mistake on their end and I never purchase anything. they said i did and I had to contact XXXX XXXX the auction house. I contacted them and they told me to see with XXXX. 

They also told me they would refund me but they would keep 25 %. They are all scammers you can see the reviews https : XXXX I opened a dispute with Chase, that removed temporary the charge. In XXXX they added the charge back saying they talked to the vendor and since he told them I made the purchase they reversed it. 

I called again and they transferred me to fraud department. They apologized and they removed it of my account and changed my card saying it was a fraud. They told me it shoud n't happen again and they never told me that another investigation would be done. 

Now the charge is back again and they say the investigation team talked to the vendor and decided it was not a fraud since they had my card information. 

This is unacceptable, the investigation team never called me, never asked for proof of emails I had with them. They didn't check the number of people complaining about them. 
I never made the purchase, they use my credit card information to trigger a purchase without my consent. I should be treated as a consumer with my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX and I am having issues with a collection company that is collecting a debt for an apartment complex. The apartment complex : XXXX XXXX XXXX '' is actually trying to charge fees that are not accurate. I requested a copy of the information and the break down of deposit shows the apartment complex is listing : Insufficient Notice fee of {$1100.00} which per their collection policy was only to be charged once the contract expired and a tenant was going month to month and did not give 60 day notice. Then they charged a Lease buyout fee which was {$2200.00} and {$500.00} for which the collection policy indicated " Lease Buyout '' Should you vacate the premises before your lease expires you will be charged a Buyout Amount of {$2200.00} and early termination fee of $ XXXX.They are also charged miscellaneous fees which would be considered normal wear and tear. When moving in the carpet was stained and they want to charge for Shampooing along with touch up paint and cleaning. All which is part of normal wear and tear. Also the Deposit sheet also shows move in date as of XX/XX/XXXX which would make no sense since the lease did not begin until XX/XX/XXXX. 

Also the break down shows an opening charge of {$99.00} what was that from?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Recovery One, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was told payment would keep debt from reflecting on my credit as a collection action. Payment made over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 repeatedly found on a consistent basis that TransUnion continually provides duplicate debt, exceptionally dated debt and just misinformation in general that ultimately pulls your credit report down. Trying to contact them results in more requests for information which ultimately means that the issue is never gets resolved.     I have filed bankruptcy and they are still reporting information that was included in the bankruptcy as owed. When it is clearly not based on federal statue.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. I seen massive inquiries! such the ones below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S. C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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