BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Yeah so I was called by the Bank of America department that responds to the CFPB and was told my money would be mailed out to me with a tracking number provided for this within the next few days. Its been about two weeks now and I havent heard anything from said representative and Ive been calling her to no availability. Its been 3 yrs already like how do a big corporation like Bank of America think its ok to just steal from my clients and they can get away with it. Like dont they think they have enough. Its bad enough that they just got fined over XXXX XXXX XXXX dollars for doing this same nonsense behind other illegal banking practices under the noses of their own clients for years. They too over XXXX from me and are still giving me a hassle to this day. The lady said she would have the funds mailed out to me and than call me back when its done or to call her in two days. Its been two weeks and no response. Somethings got ta give. I just need those funds back. Im definitely gon na screen record this and put it up on social media. Ill have to write a new one everyday till I get back a response? How could a bank be so prejudiced towards a client and than steal from them? Thats how Ive been treated the past 3 years by the financial institution called Bank of America.

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 2023-10-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Opened debit card without knowledge
And also possible checking and saving acct

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 2023-10-04
Company: HEARTLAND FINANCIAL USA, INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX, Kansas, during year of XXXX, I opened up XXXX account for new construction on my home. It was supposed to be locked in 4 % and at that time, I had a job and was in need of both checking and savings accounts. 

But after being unemployed, XX/XX/XXXX, and used up all money in my savings, I asked to close the XXXX account, no longer needed. I was refused, I was told that I must keep open for HELOC loan. 

Then I started seeing they were charging me monthly $ XXXX for savings account, whether I had money there or not. They never sent me a notice that this was going to happen. 

Also the HELOC account is not payable from my checking account. I must deposit in my savings account and they pull on XXXX every month, sometimes earlier without notice and makes me overdrawn, on dates they pull earlier. 

When I pay extra money towards my principal, they do not apply to my principal. They hold onto it as if I gave them FREE MONEY! I have asked them several times to apply to my PRINCIPAL! But the amounts still remain 2 years later NOT APPLIED! 

My HELOC loan was supposed to be locked in for 4 %, now this year XXXX, I have noticed it fluctuates with the higher interest rates of the government, especially since it was taken over by HTLF Bank! This was not my understanding at all, when I came into the bank in XXXX, It was supposed to be LOCKED IN 4 %. 

They refuse to send me statements, make me look online, sometimes, I have no internet to see online. This makes this very difficult to know when they make errors, changes to my account without my knowledge. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXXXXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent account.

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 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am XXXX XXXX. There were multiple numbers of unauthorized transactions in my Bank of America credit card account. This is a fraudulent activity. I realized that the balance increased up to more than XXXX XXXX dollars in the past. I paid more than half of the amount. But I do not want to pay the rest of the balance. BOA keeps bugging me to make the payment on the account. They keep charging interest on the account.

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 2023-10-05
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been getting denied business credit and found out that my business can't be verified due to the fact that old information from old checking accounts with America First Credit Union. I have called them multiple times and gave them updated info only to be told that the information never updated after I was told that it was and then they said supposedly the only way to update my old information to current information is to pay the old balances I owe, which frankly I don't understand. Does the system open up after I pay old outdated balances that magically allows them to update info?? The information reporting to XXXX is stemming from this company. My address and phone number is all I need to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. BANK OF AMERICA , N.A . XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During XXXX XXXX XXXX XXXX  local store was closed but had a drop box outside to return equipment. I returned my equipment on XX/XX/21 by putting it inside the drop box as they requested. 

I thought everything was fine, however, later learned that they had turned me over to a collection agency for not returning the equipment because it showed up on my credit report causing me to pay higher interest rate. They never sent me a bill or letter or anything about it just turned me over to collections. I contacted them and they corrected it by showing it was paid and/or written off which does not take it off my credit reports even though they acknowledged I returned the equipment. 

ALL 3 REPORTING AGENCIES STILL SHOW IT ON MY CREDIT REPOR WHICH HAS NOW CAUSED ME TO BE DENIED CREDIT EVEN THOUGH MY SCORES ARE XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX own leasing account needs to be adjusted to the correct amount! The business scammed me into signing a lease that they were going to over charge me for from the beginning! I am not asking for the item to be removed but I am needing to balance to be adjusted as this is not right! This is affecting my credit tremendously and needs to be corrected! They are offering to settle the balance for {$800.00} after trying to charge me almost {$4000.00} for a {$1000.00} bed. Please correct the balance for the XXXX own leasing account to {$800.00}.

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 2023-12-22
Company: Velocity Portfolio Group
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

****I DEMAND THE PROCESS AND PROOF OF YOUR INVESTIGATION****

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent three letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified. 

In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. 

I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.

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 2023-11-10
Company: Key 2 Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Coradius International LLC on XX/XX/2023 stating that I owe a debt to XXXX in the amount of {$110.00} I have never taken part in any transaction via XXXX for {$110.00}. Additionally, there is no proof of any transaction for that amount in my XXXX history. This is a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Two payments in the amount of XXXX was trying to be deducted from my bank account and I tried to make a payment, but I did not have sufficient funds so I applied for a loan modification where instead of paying the XXXX now paying XXXX XXXX  monthly, which I did not understand Due to me, XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I just received your response to my CFPB complaint in which you indicated that you would not provide me with proof because of a cease and desist request. First of all I am not a woman I am a grown man and you stated HER that just indicates that your information is totally incorrect. You do even know my gender so how can you say that you have documents to verify this alleged debt. I don't know who this person is that you are referring to when you responded but once again I am demanding you STOP reporting this fraudulent information about me because I will not stop pursuing litigations and I will use these complaints as evidence that you are furnishing inaccurate information against me which is a violation of 15 USC 1692. I have provided evidence that you stated the account meets FCRA requirements but It does not.

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 2023-11-10
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX continued to charge me after my account was closed due to XXXX. The balance went to the collections Agency Of Aldous & AMP ; Associate. I settled with them for the amount of {$74.00}, part of the agreement was to have it removed from my credit report. That was done on XX/XX/2022 and it still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 and XXXX 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unfairly charged surprise overdraft fees on debit purchases and ATM withdrawals, even with having enough money in the account at the time of the transaction. 
Debits were reorganized to benefit the bank in regards to accruing fees instead of being tallied at the time of purchase.

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 2023-11-10
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Years ago, I took out a loan with SpringLeaf financial ( now known as One Main ) financial and my car was attached to the loan without my knowledge. Springleaf then refinanced my loan and took my car off of the loan. At the time, I owed XXXX... I've been paying $ XXXX for the past few years and my balance is not coming down. I called to see if the payment could be applied to the principal and not the interest and they told me no. 

I recently have been offered a modification to pay $ XXXX and the loan accures interest daily. I need to know how long I will pay on this loan before I pay it off. I think this company has been deceptive in the past and is trying to rush people to get loans by saying everthing is " time-sensative '' sp ... .Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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