BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
on XXXX XXXX, 2017, my bank charged me twice for NSF charge when clearly the first payment of {$65.00} to XXXX XXXX posted before my rent check. They also gave no notice that there was a pending NSF charge at all on the day of the transactions which would have allowed me to make a cash deposit and avoid both charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: IL
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 Debt Reporting Act. 

XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am the beneficiary of my deceased brother 's ROTH IRA at Bank of America, which consists of XXXX CD 's. I worked with an individual on the phone in the IRA department XX/XX/XXXX, to set up the distribution of funds to coincide with the CD maturity dates in XX/XX/XXXX, which were all within the 5 year period required by the Federal govt. However, after the first anniversary of the beneficiary IRA account, B of A sent a check for about XXXX of the IRA. After I called to complain on XX/XX/XXXX, they stopped payment on that large check and said they must do a minimum distribution. So they sent a check for {$1900.00}. I talked to a supervisor, XXXX XXXX on XX/XX/XXXX and he said it is the bank 's policy to to make a minimum distribution. However, this minimum distribution was not stated on the form I was asked to fill out when setting up the distribution, nor did the man who helped me set up the distribution mention anything about this. I have asked supervisor XXXX XXXX to send me consumer information detailing this policy of minimum distribution. He said he would look and see if anything was available. In the time between now and XX/XX/XXXX, I will lose over {$700.00} in interest due to the early distribution of funds, since there are no CD 's currently available that will pay the interest I am currently receiving in the IRA CD 's. The Federal government says that I can leave the money in the account as long as it is all withdrawn within 5 years. This interpretation of Federal law was confirmed by XXXX XXXX ( XX/XX/XXXX ) and also XXXX XXXX ( XX/XX/XXXX ), 2 Bank of America IRA help desk employees. Yet Bank of America policy is above the law and requires a minimal distribution, without prior notification to the customer. This is wrong. They appear to be trying to get out from paying the better interest rate.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: MS
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 did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 
1.XXXX XXXX  XX/XX/2020 2.XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 2020

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 2017-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The pay back amounts are totally unmanageable! The amounts change from day to day! Never get the same information from anyone. The amounts are different each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: UT
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:
I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: MI
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 Acct # 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 2017-01-13
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This information was shared illegally ( Third Party ) without my informed consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Me and my wife have been trying to work with Navient for the last five years to lower our monthly payment now they have declared us in default. I have been unemployed on and off for the last five years, we have mostly been using my wife 's income to make ends meet. We can make payments just not the XXXX a month they want us to pay ... I had tried in the past sending monthly payments between XXXX and XXXX but that didnt even cover interest. Now our Student Loan Debt is over {$92000.00} dollars our original Student loan amounts were only a total of {$42000.00}. Also my wife has spent the last 20 years working at XXXX and since our loans are consolidated we can not take advantage of any debt relief programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately, I have some very disappointing news to share with you about Shellpoint Mortgage, Despite the fact that I haven't even begun my first payment yet, my loan was transferred on XX/XX/XXXX, from XXXX/NewRez to Shellpoint Mortgage I have been paying on time for 20 years and have never been late. 

I have experienced financial hardship due to the Covid crisis but have been able to pay my mortgage on time. I am considered to be underemployed. 

I wanted to take advantage of RESPA laws for the 60-day grace period to give me time to pay other expenses. My new mortgage company Shellpoint Mortgage unfortunately took the entire payment out of my account. My personal bank information was given to them without my knowledge on XX/XX/XXXX by XXXX XXXX, I spoke with XXXX on several occasions and they never disclosed that the new mortgage company will do this due to the auto bi-weekly program, XXXX told me my last payment would be on XX/XX/XXXX and I need to set up everything with the new company ( I have that voice recorded ) Initially, Shellpoint refused to waive the {$15.00} charge for insufficient funds that I put a request for without fault of my own. After speaking with the Representative at Shellpoint XXXX she informed me they will waive the charge but nothing they can do about extending the payment for XX/XX/XXXX, but my concern I have, that I was told by two Shellpoint Representatives on XX/XX/XXXX that my first monthly payment wouldn't be until XXXX for bi-weekly payments. I called to confirm this information again with another Shellpoint representative on XX/XX/XXXX and both representatives informed me, yes that information is correct the first payment due will be XX/XX/XXXX, I called today XX/XX/XXXX to follow up with the instructions for bi-weekly and discovered that my first payment is due on XXXX tomorrow, this puts me in a bind because I was told by two shell point representative my payment isn't due until XX/XX/XXXX. I initially thought the payment would have been due in XX/XX/XXXX, but after Shellpoint reversed the payment back in and replaced my account, that was the mix-up. Despite communicating with numerous Shellpoint representatives, they failed to catch that error several times. I would like my first mortgage payment to be granted for XX/XX/XXXX with a bi-weekly setup and not full payment by XX/XX/XXXX, due to a shell point representative error. I have these conversations voice recorded and documented. The pain and suffering that I've endured have triggered stress and XXXX within me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION COLLECTIONS : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : 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  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2015-09-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A credit report prepared for me by a bank lists the following factors that adversely affected my credit score with Equifax : PROPORTION OF BALANCES TO CREDIT LIMITS TOO HIGH ON REVOLVING ACCOUNTSTHE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE '' Proportion of balances to credit limits too high on revolving accounts '' is a problem because I believe " revolving accounts '' means " credit cards '' of which I have XXXX. I have no credit cards whatsoever and have never had a credit card at the time of this complaint ( XXXX/XXXX/2015 ) '' Number of inquiries has adversely affected the credit score '' is extremely frustrating, because I 've had perhaps a total of XXXX inquiries in the last year. XXXX for mortgage pre-approval letters from XXXX ( the XXXX expired before we found a house we wanted ), another for another lender when we were checking our options for mortgages, and finally I checked mine for the first time ever today with nationalcreditreport.com, which was only able to retrieve information from XXXX. Equifax and XXXX did n't report. 


My social security number is very similar to my younger brother 's, and as far as I can tell his information is showing up on my report. I have similar problems with XXXX but was able to file a dispute with them. I attempted to file a dispute with Equifax but it asks me XXXX questions about my credit report, I click " none of the above '' because I do n't have credit cards or home loans ( which the questions are about ) and then it tells me it wo n't continue because my answers do n't match the ones it expected from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that XXXX and Transunion update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that XXXX and Transunion performed.

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 2022-06-01
Company: Professional Placement Services, LLC
State: IL
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've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : PROFESSIONAL PLACEMENT XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that XXXX and XXXX update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that XXXX and XXXX performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My mother is an AU on a credit card account with my father as a primary. My parents used the same login to USAA their entire lives. My mother attempted to pay for a funeral on the USAA credit card days after my father passed away, a credit card she has used for years. When she called USAA to unblock the charge, they asked why a funeral home and she said because her husband passed away. USAA immediately locked the account and the online login she has used for years. They told her if she wanted to pay for the funeral she could apply for her credit card, from her own newly created account. 

Over an hour on the phone and making my mom cry, she now has no way to pay for the funeral for my father and lost all pre loaded bill payments, and access to the connected XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: VA
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  Account # XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.

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 2022-06-01
Company: Foris DAX, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ) via my XXXX XXXX  wallet. I also made deposits for a total amount of XXXX USD from XXXX to the fraudulent investment firm ( s ) via my XXXX XXXX wallet, for a total of XXXX USD. These funds were transferred from the wallet to an address unknown to me without my authorization. 

On XX/XX/XXXX, I emailed a Demand Letter ( dated XX/XX/2022 ) to Crypto.com per ADR Protocol. On XX/XX/XXXX, a Complaints Handling Officer from Crypto.com responded that " You acknowledge that you are responsible for ensuring the accuracy of any Instructions submitted to Crypto.com and that any errors may result in the irreversible loss of your Stored Digital Asset. Going forward we strongly urge you to file a police report and have the funds tracked down and seized by the Police. '' On XX/XX/XXXX, I emailed a Rebuttal Letter ( dated XX/XX/2022 ), to Crypto.com. The same Complaints Handling Officer responded that " as per the quote from our Terms and Conditions we are not in a position to offer reimbursement of your lost assets. ''

Company response to consumer: Closed with explanation