BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America continuously charges impoverished people like me XXXX overdraft fees. I struggle to cover them. They keep charging the fees to keep the account balance negative in order to charge more fees. I have paid over {$100.00} this month in fees alone. On XX/XX/XXXX, I went to an ATM to put cash in to cover an overdraft. The ATM would not take cash. On XX/XX/XXXX, I went to a different bank of america to deposit money to cover the overdraft. I did so. On XX/XX/XXXX, they charged me an extended overdraft fee anyway, simply dating it XX/XX/XXXX. They refuse to remove these fees. I am trying to care for a XXXX parent, and I do n't have much money. Yet bank of america makes {$100.00} in fees off me every month, at least. They charge fees on their fees. They foster a negative balance to get more fees. This is a racket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: ME
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:
An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.

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 2022-11-11
Company: EQUIFAX, INC.
State: ME
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:
An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The birth year on my Experian Credit Report is XX/XX/XXXX, but I was born in 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: VA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 

INACCURATE ACCUNTS : XXXX XXXX XXXX XXXX # XXXX - {$15000.00} XXXX XXXX XXXX XXXX # XXXX - {$16000.00} XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM ASAP!!! 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 

INACCURATE ACCUNTS : XXXX XXXX XXXX XXXX # XXXX - {$15000.00} XXXX XXXX XXXX XXXX # XXXX - {$16000.00} XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM ASAP!!! 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-10-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX XXXX XXXX Charges a $ 95 yearly fee in exchange for XXXX free checked bag on XXXX XXXX when a reservation is made using the card. 

I made XXXX XXXX airline reservations online and discovered the card had expired. I had not been sent a new one. I had to use a different credit card so I will have to pay the XXXX baggage fees. I called the company and was told it was up to me to keep up with when the card expired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Seedfi is the most ominous company Ive ever worked with and I wish I had read the reviews before committing to a loan with them. I signed up for something like a credit builder loan. Every single due date, which is twice a month, theyve charged me more than once. I had to repeatedly reach out to them to get the to push payments forward, refund multiple payments, and finally cancel my autopay. This last time, they took two payments out for my due date and told me theyd move the second payment forward so I wouldnt owe money at the beginning of XXXX. StillC they withdrew a payment from my account. It took them an unreal amount of time tor refund this second payment to me and I had them cancel my auto payment because I couldnt trust them to accurately manage my account without my supervision. Finally, I received an email at more than half of my last payment was going towards fees with no description of what those fees were, and the remainder was going towards interest. I emailed them on XX/XX/XXXX asking what fees I was paying and no one has ever gotten back to me despite me following up more than 3 times. At this point, I feel like they are practicing unfair and deceptive business practices and Id like nothing more than to pay exactly what Ive borrowed back immediately and nothing less. They are still holding XXXX  of dollars of money they essentially owe to me as part of this credit building loan and I have little faith Ill ever actually see that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have had a Bluebird reloadable card from American Express for years. On XX/XX/2017 {$250.00} was loaded onto this card. The receipt showed a new balance that did not agree with my records. When I viewed my account transactions there was a purchase for {$120.00} from XXXX. I had no record of this purchase so I phoned AmEx to ask if they could see what the purchase was for. They were unable to say what was purchased and I told them I was unwilling to make a fraud report before I could verify that perhaps it was a purchase I failed to log. They gave me the phone # of XXXX. XXXX told me what was purchased and I knew that I had not placed that order. They asked for my address and said that was the billing address but the order had a shipping address in XXXX, Delaware. They said they were going to investigate and told me to contact Bluebird AmEx to make a report. I immediately did so. I was told I would receive a new card by mail and within 10 days they would finish their investigation and inform me of my refund if approved. This email referred to my account ending in XXXX. Two days later I received two emails from Bluebird AmEx in reference to account ending in XXXX. The first said their investigation determined the purchase to be authorized and therefore not eligible for credit. The second said they noticed activity on account XXXX that was in violation of the Bluebird Member Agreement, section XXXX. They locked my account and suspended my privileges. I never had an account ending in XXXX. When I called them to dispute this they were unable to tell me what XXXX was and no information was available because my account was locked. American Express is supposed to be the company that protects it 's cardholders from fraud. I reported this claim 2-3 days after the fraudulent purchase was made. My husband subsequently received an email from Bluebird stating that someone had fraudulently tried to use his card at an ATM. My husband is in possession of his one and only card and made no such attempt. They are sending him a new card. What is going on? Someone has obviously obtained account information on the two of us. Why have I lost my privileges? How could Bluebird 's investigation have concluded that the fraudulent purchase was authorized when it was not?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It was reported in the credit report on XX/XX/XXXX that I still have a balance with XXXX. This was the report : Date Reported : XX/XX/XXXX Collection Agency CCS COLLECTIONS Balance Date XX/XX/XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$59.00} Amount {$59.00} Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID I already paid in the amount of {$63.00} last XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
One day I was surfing the internet, I desired to my credit on line, I found XXXX accounts, I did n't have any knowledge of the them, I opened a disputed, and XXXX of accounts XXXX was removed from my credit report without a problem, the other account Midland Credit Management.Inc. without investigation, they desired to kept opened on my credit report, I opened a second investigation, I sent an E-mail, I explained, the reason why the account did n't belong to me, nothing happened, I got the comfirmention number from the investigation on my report ( XXXX ) with a missing number, it must be XXXX digits, I was looking for the account number I could n't find it, I contacted the Midland Credit, the person who answered my called asked me for the account number, I told him I did n't have and could n't find it in my report, then he asked me for my social security number, I told he I wo n't give to him that 's personal inf, I said to him, I started a disputed on a account with people, I can give you the confirmention number of your investigation, he replied without account number or ssn, he wo n't be able to help me and he just hang up the phone, so disrepecfull and without good manner, not giving me any other option to correct this problem, I belived those are the same people who opened this account .and was waiting for me to call them so they get full assects to social security and personal inf, I urge you please take matters in this issued and help me to bring down this people before the Law.Thank you I hope to hear from you soon.Sincerly XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express is calling every person in my company stating they have critical information and need to reach me asap. I have received several calls from my co-workers. I have been in communication with American Express and offered to make payments but they will not take partial payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Client Financial Services of Michigan LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to the XXXX XXXX XXXX and was told that amount was less than how much I am getting charge on the paper. 

During the pandemic i thought XXXX XXXX was provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Higher Level Processing
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Higher Level Processes charged me for work that had already been done by my loan servicer and charged for a FREE service. 
Higher Level Processes charged a fee to recertify my student loans, recalculate a new loan, document preparation, program switch, etc. {$210.00} payable monthly for 6 months and then a {$39.00} annual fee. 
My loans had already been recalculated by my loan servicer, no charge. 
I thought that Higher Level Processes was a legitimate company because they already had a lot of information. They may have compromised my loan servicer account or my FSA account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I RECEIVED A LETTER FROM AMEX DATED XXXX/XXXX/2016 ADVISING ME THAT A 3RD PARTY AMEX USED CHANGED MY SSN WITHOUT CONTACT INGTING ME AT ALL? HOW CAN A 3RD PARTY LIKE XXXX BE AUTHORIZED TO CHANGE A SSN WITHOUT THE PARTY 'S KNOWLEDGE, AND ON TOP OF THAT THEY GAVE AMEX A WRONG SSN??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I been disputed this account two years ago and never I received response, still showing in my credit report. I wonder waht another step I have to follow in order for me to fit it. 
Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
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.this list of accounts below and more has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account numbers with no names. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX a ssi number that ends in XXXX isn't me, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX XXXX  XXXX, experian, XXXX has violated my rights ! ! 15 U.S.C 1681 section 2A states I have the right to privacy.15 U.S.c 1681 section 604 A 2 : it also states a consumer reporting agency can not furnished a account without my written instructions. 15 U.S.C 1681c ( .a ) ( 5 ) section states : no consumer reporting agency may make any consumer report contaany of the following items of information any other adverse item of information other than records of convictions of crime which antidotes the report by more than 7 years15 U.sC 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 this goes for all 3 agencies this information needs to be blocked

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: PNC Bank N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XXXX, I hosted a basketball tournament in which teams make payments to participate. I established a checking account with BBVA. I was sure that I set up a XXXX  account. During months leading up to the event, teams registered using XXXX XXXX as the payment processor ( XXXX XXXX ). A part of establishing the account with XXXX XXXX was verification of my XXXX  that included me sending in required documentation ( IRS letter including Tax ID #, my personal information, etc. ) The monies collected were deposited into the BBVA account. After the event, I attempted to wire funds to pay for the referees. My account was frozen due to Fraud. I contacted the Fraud and Legal department of BBVA and was advised I needed to send in an IRS letter to connect me with the XXXX  account because the account that I had with them was a personal account. The agent requested an IRS letter. On XX/XX/XXXX, I emailed the IRS letter to BBVA. I have called and left messages with the agent handling my account at XXXX. Today, XX/XX/XXXX, I spoke with an agent that advised that there was only {$96.00} in my account out of the XXXX that was previously collected. 

I have not heard from anyone at BBVA to advise as to why the monies were sent back or that they would be sent back. I still have outstanding creditors that need to be paid. This is creating undue stress as I do not know where XXXX dollars has gone. 

I am a XXXX XXXX XXXX XXXX and this was my second event. My credibility as an XXXX XXXX is being questioned amongst other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: FIRST HORIZON BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was working on my computer & got a pop-up stating that my it was being hacked & that I needed to contact XXXX at the number provided. I did & was told that my bank, First Horizon, was being investigated for internal fraud. I complied with the requests to wire money to the attached bank & customer. My bank was unable to halt the wire transfer. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX CUSTOMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Good Morning/Afternoon, I have a credit card with Chase bank. For the past year I have been trying to increase the automatic payment amount being drafted, however it has been impossible because Chase only provides XXXX options for automatic payment : the minimum amount of {$25.00} or the account balance. They do not offer an option where the customer can enter a desired amount -- amount higher than the minimum payment. This is a deliberate effort on their part to discourage consumers from paying off their debt sooner. It 's very inconvenient because I physically have to walk into a branch to make additional payments. All of my other credit cards/banks have the option to enter a desired amount. Is this legal? Please advise. 
Thanks for your time. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation