BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received an offer from BOA ( access checks ) to help reduce higher interest rates on Credit Credit Balances. I have used this program before along with many other banks and financial companies. 
The offer from BOA was for a 12 month 0 % interest rate with a 4 % transaction fee. In XX/XX/XXXXI deposited a check to myself in the amount of {$14000.00} with a {$560.00} transfer fee. 
Once the transaction was processed I proceeded to pay down other bills incurred with higher interest rates. I continued to make {$1000.00} payments to my account with BOA to reduce the balance and insure I would have paid off the {$14000.00} within the 12-month period. 
Sine I make these payments online it never occurred to me that I was incurring interest each month at a rate of 26.99 %. This threw us for a loop. I immediately called the 800 number to hopefully rectify the problem. They did not nor could not resolve the error. I went to my local branch for assistance. The representative was professional and polite however after contacting the corporate office they advised us that I could not deposit the funds to myself. I could not believe what I was hearing. I explained to them I did not see or read anywhere in the documentation with the offer that was the case. According to them I was exempt for depositing funds directly into my 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 2018-05-06
Company: JPMORGAN CHASE & CO.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase thought my homeowners insurance lapsed and so they used escrow to buy a forced placed insurance policy. They now have proof I had coverage but have not changed my payment. I'm having to borrow money to avoid overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have credit monitoring with Experian set on XXXX XXXX. I have been billed twice for the same service for several months. I noticed this when I checked my account and saw one transaction processed on XX/XX/XXXX for XXXX and another transaction for the same amount processed on XX/XX/XXXX. I have had this monitoring since XXXX. They started billing me twice on fluctuating days starting in XX/XX/XXXX. My calculations is over {$450.00} in unauthorized payments. I am going to check with my bank to see if I can get a more thorough accounting. However, I have statements to back up the duplicate billing since 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 explanation
Consumer complaint received 2019-11-27
Company: Resolve Partners, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Wednesday, XX/XX/XXXX, On Wednesday XX/XX/2019 a calls came to my job from Resolve Partners , LLC due to alleged negligent account, which resulted in conversation with my superior telling me no personal calls on the production floor. In speaking with several representatives ( XXXX. & XXXX XXXX, Collections supervisor @ XXXX ), I found not only were they combative, After multiple times being placed on hold, It is clear that Resolve Partners , LLC has never been held accountable for the impact of employee error on customers, misleading credit reporting, unethical collecting and deceptive practices. In fact, on the call i demand a supervisor name and XXXX XXXX provide Business overall Manager XXXX XXXX XXXX XXXX representative failed to issue a mandatory stop calling work place on XX/XX/XXXX, they called back into the office.The abuse of practice is a direct violation of the FDCPA Regulations Therefore, this is a formal complaint to make notice of the following : employee negligence, misleading credit reporting, unethical collecting and deceptive business practices. 

Due to the harassing calls made by Resolve Partners my livelihood has been drastically impacted and it is my hope that your compliance with this request is swift and efficient according to the statutes of the FCRA. 


Your time and attention to this matter is greatly appreciated. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In the month of XXXX, XXXX, there were several unauthorized transfers from my Chase Bank checking and saving account to a company called XXXX. Chase Bank did not notify me at all with these transactions neither did I authorize XXXX to transfer those money. So when I first found out about it in XXXX, XXXX, I reported the claim to Chase Bank. They took a month-long investigation then gave me the info of the company. I tried to resolve the issues from both banks, but none of them wanted to be responsible. 

Here 's what Chase Bank failed to do to protect my funds as their customer : 1. Failed to notify me asap through physical mails or e-mails about the unauthorized transactions. 
2. Failed to refund me the monthly service fees in whole which they continued to charge me when both of my checking and saving accounts were being emptied.

3. Failed to alert me asap when there were unusual activities on my account.

4. Failed to do their due diligence for the investigation. I had to push them to tell me who the recipient of the funds was. Otherwise, all the details weren't provided in their investigation paper. 

Because of Chase Bank 's negligence, I couldn't report and close the account asap. There was zero notification from them, and they avoided talking about that subject matter and blamed me, their customer, for not protecting the data myself. 

If they were to notify me on time, I could have stopped and reported the illegal activities instead of being responsible for the loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-04-23
Company: Total Card, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off them on my credit reports in XXXX. 

I disputed with the credit bureaus in XXXX and XXXX XXXX  verified with the credit bureaus in XXXX. I then wrote XXXX XXXX  requesting information in regards to this debt. 

They did not respond to my XXXX  to them. 

I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX. 

I have spent hours trying to get any type of clue what this account is for with XXXX XXXX  and I have yet to receive anything about this however it is still being reported to my credit bureaus. I asked the credit bureaus to give me the method of verification and they gave me the number to XXXX XXXX  and they are no help over the phone or in writing. I am at my whits end with this company and its unlawful reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX XXXX XXXX XXXX I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party Cavalry Portfolio that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and Cavalry Portfolio remove this debt from my credit report immediately ( all XXXX Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was charged twice, it is reflected on my bank statement, but the navient ledger only reflect one charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Bridgecrest Acceptance Corporation
State: SC
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, has violated my rights 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Diversified Consultants, Inc.
State: IL
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 is a collection on my XXXX credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. XXXX  still shows it. I contacted XXXX and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and XXXX that can only accept disputes and their investigation comes back wrong. I am frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am being told that I owe TD bank some money and I have never had an account with them. 
When attempting to open an account via a Credit Union I was denied because of a XXXX report from TD Bank in the amount of {$240.00}. I have never had a TD bank account. I contacted the number on their website to report suspected fraud and the call center team kept me on hold for over an hour and then some manager in New Jersey named XXXX was not any assistance. She told me I need to go into the bank. I do not want to be inconvenienced over this mess. 
TD Bank clearly has allowed an account to be opened using my Social Security number and it needs to be rectified immediately. 
XXXX reported this XX/XX/2016 for a XXXX XXXX with my Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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:
XXXX XXXX  XXXX has violated my privacy according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello- I have been a Chase Sapphire card user for over 7 years. Almost always pay my card off every month and never late. About two weeks ago my wife was at the store and told me her card was being declined. I immediately logged on to Chase to check on the card and seen that it was stating the account was closed and I never closed the account. I immediately called customer service because I was concerned about fraud and could not get resolution. I was transferred 2x then hung up on. I tried twice more the same day and had the same scenario play out. 

I tried two days later to call and still was not able to get an answer and felt it was discriminatory in nature. The only answer I could get was it was " bank policy '' for the cancellation. 

I still have yet to get resolution on this and it has been extremely frustrating especially having been a good customer over the years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account with  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX  account #  XXXX  was  discharged  with my ch  XXXX  bankruptcy. I have forward all the information to Equifax 4 times and still they are saying through the investigation the account is being reported correctly. The account is showing as an open delinquent collection on my credit report. I have spoke with a representative on the phone and she to said the account is being reported correctly and she advised me to fax in my bankruptcy information. I did as she advised on to get the information back saying the account is being reported correctly. I need to know my next steps to get this account removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is the XXXX complaint I have filed against quick credit located in XXXX South Carolina. I have left them in writing not to contact my near-by references, that they say they never received I have spoke w the home office and the account was to have been noted not to call and today an employee of that office XXXX called my reference and left messages for me to call. I called the quick credit XXXX office and XXXX said that there was nothing on the account about not calling

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 2022-08-30
Company: Experian Information Solutions Inc.
State: TX
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 have sent several letters to XXXX asking them to verify the accuracy of several items on my report since they are reporting differently across all three bureaus, they do not have my consent to report them AND they are inaccurate! The first time I asked them to verify the accounts, I received a copy of my report saying they were verified, then a letter stating it didn't look like I was the one disputing the inaccuracies. See attached letter. I've received this twice now. 

The second time, I asked for the proof that shows they verified the information, sent me a copy of my report and then they sent me a letter stating it looks like it wasn't me AGAIN asking for the verification, but some other company. I sent them proof of my address and a copy of my driver 's license EVERY TIME I HAVE SENT A LETTER. I resent the disputes and they sent me the same letter again!!! 

I want these accounts removed from my XXXX report immediately! They are breaking the law! 

Per US code 1681 e ( b ) Accuracy of Report - Whenever a consumer reporting agency prepares a consumer credit report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Therefore it should be 100 % accurate across all three bureaus. How can these accounts possibly been verified? 

AND US code 1681b ( a2 ) states that consumer reporting agencies are not allowed to put anything on my credit report without my written consent!! They have not proven this either!!!

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 2017-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, I opened a Capital One Money Market account and a checking account. I deposited XXXX dollars to the money marketing XXXX and another XXXX dollars to the checking account. XXXX days later, I received an email from the bank tell me to call them and they have already restricted my account. I called the number provided in the email on the next day and they told me they decided to end the relationship with me for no reason. The money was still in the account but I can not transfer it back cause I do not have access anymore. I called the normal customer service number several times but they just let me to reach the security department. I also reached the security department XXXX times but every time they just let me to leave a message and the auto system told me they will call em back. It 's now been more then XXXX week I have n't heard back anything from Capital One and my money still is stuck in the XXXX accounts. Also, on XXXX XXXX, I received from Capital One told me they believed there is a identity theft which is not true cause I 'm the person to apply, I received all the letters from them and also they deposited XXXX small amount of money for verification which I found it in my external account and enter it on the website to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Its with Bank of America. It was in 2020 a lender hacked my account and then via closed it stating there was fraud

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 2022-03-03
Company: Security Credit Services, LLC
State: NY
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 filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation