BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a XXXX XXXX XXXX  credit card with Bank of America on XX/XX/2022, and bank of america made a decision to close this account on XX/XX/2022. I only used this card for XXXX weeks, and I was charged for the annual fee {$550.00} on XX/XX/2022. 

Spoke with multiple " managers '' at BOA, and none of those people are willing to solve the issue and provide the refund. Please note it is BOA that closes my account and is responsible for doing pro-rata cancellation. 

How is it possible that a bank approves my application, charges me {$550.00}, suddenly closes my account, and doesn't provide any refund? 

That is called Robbery. Otherwise all banks can just learn from Bank of America, get credit card applications approved, charge the full annual fees and then close the accounts. This is the easier way to make money, isn't it?

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 2017-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. ( XXXX, XXXX and Experian ) I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX XXXX XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.

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 2023-07-27
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought a piano back in XX/XX/XXXX for a total amount of {$2800.00} ( including taxes ), financed through Synchrony Bank for a total amount of {$2800.00} at an interest rate of 22.99 %, but will interest can be waived if paid in full within a year. I officially setup my account on XX/XX/XXXX when I received the mail about my mail account, and I used the automatic payment calculator to calculate my payoff amount if I want it to be paid in full within 12 months starting 1st payment on XX/XX/XXXX. It came out to be {$270.00}. Recently, I've noticed that the bank is still charging me money after 1 year so I called the bank. Their representative claimed that I didn't pay off my account within a year that there was a {$20.00} late fee posted on my account on XX/XX/XXXX which I had no idea about. I setup my account on XXXX using their calculator thinking it would take care of everything for me. But instead now I'm out of pocket for {$530.00} for a late charge which I was never made aware of. I never got any email ever since I've setup my account on the XXXX. The representative claimed that they sent me several mail, which I never received. I live in an apartment complex and mails often get lost. So their only means of communicating with me was through mail. I never received a text, a phone nor a email regarding to this late charge. I feel like they conned me out of {$500.00} for a late fee that I was never aware of. They claimed that I should've read my contract and contact them about setting up the account while I was under the assumption that the setup email was on the way to me the whole time, which was the reason why I've missed the first payment, but their automatic payment calculator never took that into consideration when I setup my account on XXXX. And they are penalizing me for their system problem.

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 2017-09-08
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:
1. XXXX and XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..

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 2019-11-26
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am unsure as to where to start with this ongoing issue I have been having with USAA. However, it started in  XXXX   2017 . On the  XXXX , I noticed some fraudulent activity with my Checking account and filed a fraud case and had my bank card suspended and replaced. The bank told me on or about  XXXX   XXXX  or  XXXX  that they were no longer conducting business with me and that the fraud case would take up to 75 days and that my funds would be available to me after the case was over.     The end of  XXXX  I realized that my  XXXX  check had already been sent to USAA and I spoke to them on that day (  XXXX   XXXX  ) and the  XXXX  of  XXXX  to try and figure out what I could do as far as the funds of my check. I was informed that I was to wait  60 c alendar days.     I called last week,  XXXX   XXXX , and was asked to call back on the following Monday,  XXXX   XXXX . I called again and was asked if it would be okay that they call me back with a resolution, when and if found. I accepted. I did receive an email the beginning of  XXXX   (  the  XXXX  to be exact ), that the Fraud case had been resolved and nothing on my part to do because the transactions were not mine.     Today,  XXXX   XXXX , I received a letter in the mail that my 'USAA  Federal Savings Ba nk Accou nt ', bei ng the Checking Account #  XXXX  was being closed as of the date of the letter,  XXXX   XXXX ,  2017 . I have been calling  XXXX  and then in  XXXX  about my funds sent from  Veterans Affairs and whether they can send me my money to my new banking account or not and  am still awaiting an answer.     With the letter, I continue to be told to call if any questions. Up until now there is no resolving this issue with the bank 's customer service because the run-around does not stop with them but only continues after being placed on hold for ab out 15 minutes at  the least, each time, at least once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Experian Information Solutions Inc.
State: MO
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:
I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.

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 2017-08-20
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The aforementioned credit collection agency representing " XXXX XXXX XXXX '' has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt. If " High Desert Creditors '' does not have any documentation, they need to retract this from my credit file immediately. I disputed this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also did disputes via phone within the last 8 months. These accounts are also listed as duplicates on my XXXX  report. High Desert Creditors amount {$XXXX} and {$XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Prosper Marketplace, 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:
To whom it may concern I am of sound mind and competent to handle my own legal affairs. 
I am THE CREDITOR and given the right by god himself 15 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 1602 ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.

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 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is constant problem with this bank, bank of america. this branch on XXXX XXXX in XXXX, NY. Always a problem to deposit money, i sent my employee to make a deposit and the bank manager told her there is no teller, but bank is open. Manger suggests to go to another branch, but this information he gave was incorrect. At that time other bank of america branches are closed. My employee had to take a cab to other location to find out they close at XXXX. this is a constant problem and they do have any solutions and give misleading information to customers. They treat customers little XXXX XXXX since its in a area where people are not very weel off, its seems XXXX. i tried calling to make a complain on the phone and hold for more than 2 hours and finally had to hang up.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
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 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 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 2022-02-03
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They first said they were attorney collecting a debt an they have put it on my credit an on my fianc credit it is his debt but she would not listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have called numerous times with efforts of removing hard inquiries made by someone else than myself. Auto and personal loans appear and I haven't done either of the two. 

I've been told " NO '' and told they remain for 2 years BUT I can prove and have confirmations that it IS possible to remove as they're FRAUD. I do not need nor want these on my credit report as I did NOT authorize and it is indeed against the law for them to be on there as hard inquiries, they're affecting my credit and I wish to have them removed ASAP.

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 2022-02-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Re XXXX XXXX XX/XX/XXXX XXXX Sterling National Bank ( aka ) Webster Bank loan # XXXX On XX/XX/XXXX, Sterling National Bank changed their company name to Webster Bank. I never received a formal written letter notifying of this change or what I need to do regarding my homeowners insurance policy holder. 

On XX/XX/XXXX I contacted Sterlings insurance dept. and asked did they send a formal letter to my homeowners ins. Company with any new updates; such as, name change, remittance address for payments and etc.? 

The representative stated a letter was generated on XXXX XXXX to my insurance. My thoughts were, was the letter actually mailed out. I didnt believe her. I asked her to please mail me a copy of that letter dated XX/XX/XXXX to my insurance company? She said she couldn't do that. Then, I asked her to resend another letter to my insurance company and she said ok. Again, don't believe her. Why do you ask? 

As of today, I'm still waiting on my escrow analysis letter that was completed XX/XX/XXXX and I was told it was mailed XX/XX/XXXX and then XX/XX/XXXX. As of today XX/XX/XXXX, still not recd. See my complaint # XXXX, there's a pattern here, with lying about mailing out documents to my home. 

Anyway, today XX/XX/XXXX, I contacted my homeowners insurance and inquired if they recd a formal letter from Sterling National Bank ( Dated XX/XX/XXXX ) regarding a company name change and all other necessary information required for billing, payment remittance address, possible new mortgage number? My carrier told me not, updated information recd. From Sterling National Bank or aka Webster Bank. 


Resolution for me : Have the bank create a formal letter to my ins carrier and cc me a copy informing us of the new changes; such as, new company name, billing address, payment remittance address and anything else they will need for an easy transition I will forward this letter to my lawyer, as well. 



Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am on the Income-Driven Repayment Plan for my student loans. My service provider is FedLoan Servicing. I just completed the annual renewal process for my plan, at which time my monthly payments were increased from $ XXXX/month to $ XXXX/month. I am unable to pay the new amount. I did have a very small increase in pay ( 2.5 % ) last XXXX from $ XXXX/hour to $ XXXX/hour. ( I work full-time/non-exempt, which means if I do n't have work for 8 hours/day, I do n't get paid for 8 hours ). I work for a XXXX XXXX XXXX XXXX for people who have severe and multiple XXXX. My pay is approx. minimum wage in the area where I live, which is in one of the highest cost-of-living areas of the United States. My budget is stretched to the limit every month. I was able to pay the $ XXXX/month payments. The new amount, $ XXXX/month, however far exceeds my budget. I am XXXX years old, live in a very small rented room, and on my paycheck, I am not able to save for future health care/living costs. When FedLoan Servicing increased my payment amounts, based on their calculation of how much my income allows me to pay each month, I wrote to them ( on XXXX ), told them that I can not pay that amount, and asked the why the increase was so high, when my pay and pay raise was little. I also provided details and requested that they help me find a way to lower my monthly payments to approx. the amount I paid last year, {$82.00}. They emailed me a form letter on XXXX, saying I would hear from them within 10 days. On XXXX, I received the bill for my next payment, due XXXX XXXX, for {$340.00}. I emailed them immediately, again stating that I can not pay that amount, and asked them to help me lower my payments to approx. the amount I was paying. I understand that it has not yet been 10 days since their XXXX form email, saying I will hear from them within 10 days. I am sending in this complaint, however, in order to get some clarity and support in this situation. I do not understand their reasoning regarding raising my payments so high. Also, with the changes proposed by our new administration in the Federal Government, I do not know if I will have any support in the future. Thank you very much for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an escrow account with Stearns Lending. They failed to pay my property taxes on time, then sold my loan to XXXX XXXX. I still have a delinquent tax notice, I still had to pay out of pocket, and my escrow account still has plenty of money for all of this.

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 2018-10-30
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dates are on or about XXXX '09, the amount is roughly {$4100.00} and is way past the 7 year time limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. 
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Date Updated ; Remarks. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1100.00} DateUpdated : XX/XX/XXXX Original Amount : {$1100.00} Original Creditor : MEDICAL-XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : 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 2019-07-30
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation