BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Bank Of America. Fraud occurred from XXXX until XX/XX/XXXX when I discovered it. The amount was roughly {$85000.00} BOA restored approximately {$60000.00} I have been trying to recover the remaining funds for the last two months. 
The full details are contained in the attached pdf " BOA Complaint ''. While I have tried to be as concise as possible, I felt I would not be able to fit in the details in the space allotted on the CFPB Web Site. 
Other pdfs included : XXXX and XXXX pdfs both show payments that I had made and authorized from the account in question, that occurred prior to the fraud period, that BOA reversed The pdf labeled BOA spread sheets shows the fraudulent charges and the final action, if any, by BOA The very large PDF labeled BOA Statement is a copy from the Actual BOA site from XX/XX/XXXX until approximately 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 monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX XXXX XXXX  and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.

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 2015-07-15
Company: Executive Acquisitions Group, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received a voice mail stating that they were going to issue an arrest warrant and come to arrest me with an armed guard at my work for their protection and as a witness. Wife called them and was trying to cooperate and asked them to send an email someone called back and as she was speaking with a man she asked some questions about why we have n't been notified and according to them they did 30 days ago, but yet we have not received anything and then he started cursing at her and calling her XXXX and us XXXX and hung up on her. She called back and was in tears about what happened, she complained and they sent a generic email. With nothing about the original company that is requesting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I have a complaint. 
On the XX/XX/XXXX I asked for a due date change.

On the XX/XX/XXXX I asked for a due date change. 
I made complaint to the Cfpb on XXXX REQUESTING A DUE DATE CHANGE I made a complaint with the XX/XX/XXXXon XX/XX/30 REQUESTING A DUE DATE CHANGE How many times do I need to ask for a XXXX due date change. 
In XXXX I called 3xs. 2 of those times were to request a due date change. 

it was a clear breakdown of communication in the past. 
How ever to remedy this I requested a due date change for the 3rd. It was explained to me I need to wait for my account to be in good standing. 

I did. 

Now here I am ready to pay my card on the and I get hit with ANOTHER LATE. 
I spoke to XXXX Id number XXXX She informed she couldn't change it. The late fee was because I failed to get confirmation on the late. And the the same information of how I change the due date and the time line in which to do it. 
She informed me Target sent a statement so it's my fault if I didnt see it. 

I told her and the staff before..literally every one in spoke too..I need a set date. I'm in and out of the hospital..I don't check I go in on the 3rd and pay. Per my record I've had one genuine late I've always paid on the 3rd. Because when I forgot my card the operator target said it was ok.

I understand there was a miss understanding. But at this point its very clear.

I trusted you guys to change it when I called 2 other times. 
You failed. 
I don't know your process it's not my job to know. It's my job to pay on time. And if I cant request a due date change Via phone in the time that was stipulated by Target.

Which I've done in the time line you given me by 2 of your operators. AND IN WRITING 2XS via cfpb and bbb. All times my account was in GOOD STANDING. 

I dont feel like that's ethical for your staff to not change it.. then charge me a late fee. Then make it seem like you didn't know or I failed in some manner to ensure your staff follow thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted Equifax on multiple occasions asking them to remove duplicate information that 's reported on my credit report. They are reporting negative information from XXXX XXXX and XXXX XXXX, XXXX. The information they are reporting is the same account. Thus, my credit score is lower since XXXX of the same items are being reported on my credit report. I tried to resolve it with Equifax and they continue to report duplicate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2020-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXXXXXX XXXX   Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2015-04-02
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Target national bank has enter an account that 's not mines for XXXX and it 's damaging my credit. I never had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 2020-01-03
Company: GOLDMAN SACHS BANK USA
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX ( {$960.00} ) and XX/XX/XXXX ( {$900.00} ), I purchased an XXXX ( 2 total ) with the Apple Card. I specifically asked for the installment plan on both ( see attachments ). I did not get the installment plan on either. I got a {$1800.00} balance due on the card. I spoke to the Goldman Sachs rep via secure chat ( see attachment ) and was told in writing they would fix this. Today, on XX/XX/XXXX, I was told by Goldman Sachs their rep was wrong, and they will not fix it. This is classic bait and switch on a promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: DISCOVER BANK
State: CT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I submited a fund transfer from my Discover online checking account to my XXXX bank. The confirmation stated that " Deliver By : XXXX/XXXX/2016 ''. However, the fund became available on XXXX/XXXX/2016. I have check which is returned due to insufficient fund on XXXX/XXXX/2016 in XXXX. If the fund was available on XXXX/XXXX/2016, the check will not be returned. The " Deliver By : XXXX/XXXX/2016 '' is misleading. Also, even if it means the sent date, I believe the fund will deliver to XXXX the next day according to XXXX. So XXXX can credit to my account on XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: National Credit Systems,Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
NATIONAL CREDIT SYSTEM Original creditor : VXXXX XXXX  XXXXXXXX XXXX {$3500.00} Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2015 Account type Collection I have spoken with this company and was told they would send me proof of this contract as I am not aware of this collection and this needs to be removed from my credit report and have not received a written response over 30 days as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I originally started off with a request for a pay off. The lady on the phone was no help and said anything I needed was on the portal. I created an account and and search for the payoff I found my payment history. The payments I made are correct. In addition to the regular monthly payments due, I was making additional payments. These extra payments and anything additional made monthly on the regular scheduled payment due were to be applied towards principle. My discovery was thr additional payments that were made throughout each month were not fully apply towards the principal. Meaning they were taking money out for interest as well from the additional payments that were being made. I have taken several screenshots from month-to-month and also put it through my amortization calculator. I have tried rectifying the situation and getting answers but have been given the runaround with generic answers. I would like this matter resolved. In addition I would like a full pay off so I know the total amount due and I can pay them and be done with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I made my last payment to Wilshire Consumer Credit on XXXX/XXXX/XXXX in the amount of {$120.00}. 
Web site reflects the payment as well as a XXXX balance. I contacted them today at about XXXX pdt and inquired as to the status of when the title is to be released back to me. Attendant stated that due to the payment not being made via certified funds that I did not follow instructions of which i was never notified of such. I stated that the payment cleared my account on XXXX/XXXX/XXXX however she did not care to listen. I just want the title back. These folks are the most UN-professional and certainly should not be allowed to be in business. 

Several months back i also brought up the following to them : XXXX XXXX, XXXX CONSUMER FINANCIAL PROTECTION BUREAU ORDERS INDIRECT AUTO FINANCE COMPANY TO PROVIDE CONSUMERS XXXX IN RELIEF FOR ILLEGAL DEBT COLLECTION TACTICS Westlake Services and Wilshire Consumer Credit Pressured Borrowers with Illegal Threats and Phony Caller IDs I mentioned to them that they were supposed to issue refunds or credits against accounts. However was told that i was not eligible. Which seems odd. 

Bottom line is i want my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have been trying to buy food pets supplies mattress from a XXXX online nothing was working for 2 weeks now. I have order several orders online all been declined saying I need to register my card its currently activated I order a new card thinking it was my old card problem .so I order a new one activated it then and it's still saying the same issues card information doesn't match but it does match I've changed it 3 time to match card nothing working at XXXX an spokes to them to is it their system or your fault I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Other

Complaint:
Chase is illegally re-aging a paid and settled charge off. I have received a XXXX and paid this debt in settlement. The debt is outdated and should have been removed from my credit bureau but it appears on my credit bureau as it has been illegally re-aged. 
They have also added the account more than once on my credit bureau 's stating it is unpaid and it has a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a complaint regarding my education with XXXX XXXX XXXX. I enrolled in XXXX XX/XX/2014 in the XXXX course which is the longest and covers everything with XXXX. I have completed all of my prior classes until XXXX told me that they will no longer be able to cover my financial aid and that if I wanted to continue my education with them I 'd have to pay out of pocket with my own money. At the end of the last course XXXX XXXX XXXX XXXX XXXX I was told by counselor/admission advisor XXXX XXXX at the end of the course that the school made some kind of mistake and that FAFSA was not covering my financial aid and that she was suppose to notify about this issue at the beginning of the course not at the end. Then I was forced to pay cash out of the pocket. During the course I got discharged from my job and I wasnt able to afford payments these high each class is almost XXXX dollars and she told me that I have to pay this amount in 6 weeks. 

And if I wanted to continue the rest of the classes I would have to pay my own cash for the class and books. As of now I completed half of the XXXX education course and still have a little bit more than half left ( which is about halfway done ). So I because the fact that they couldnt cover my financial aid with schooling I was forced to wait a couple months until the issue was resolved. During this time nothing happened and they werent able to help me out financially, a couple months later I called back to see if their was any good news, unfortunately I was told that they did not know when they get financial aid back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
SOMEONE FROM RENTON COLLECTIONS CALLED ME AT WORK, AND USED LANGUAGE THAT WAS MOCKING AND DEGRADING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have XXXX with a XXXX to 5 years. I called Target Red Card services to lower my interest rate so I can get the balance paid off. I am no longer working and can only make minimum payments. I was told that I do not qualify to lower my interest rate even though I have a perfect record of on time payments. Further your customer service representative insulted me today on XXXX XXXX, 2016. I told her that no one can pay the balance should I pass away before it is paid and she said " that is okay ''. I do n't want my family to be asked by the creditors to pay my debt, it is my responsibility. So it is not OKAY that I pass away and still owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CITIBANK, N.A.
State: CA
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:
XXXX XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted Citibank. Citibank told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. Citibank should not make decisions based on inaccurate, information that XXXX XXXX XXXX has provided them about matters between myself and XXXX XXXX XXXX which has nothing do with my Citibank accounts. Citibank needs to put my credit limit back to its original limit as I have never made a late payment with Citibank. XXXX  XXXX XXXX reported to XXXX that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless XXXX XXXX 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 2020-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested in paril via certified mail to have fraud alert and personal consumer statemnts removed from equifax. 

XX/XX/2020 I received document stating that there is no fraud alert. ( ill attach document ) I pull my monthly report and its till there!!! XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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