BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My monthly fee for Bofa-issued XXXX was {$76.00} on XX/XX/XXXX. I paid electronically from Bofa checking account to Bofa XXXX account on XX/XX/XXXX ( due date indicated on online statement ). Bofa processed the payment XX/XX/XXXX and charged me {$39.00} late, also negativelaty impacted my credit score. When I went to the bank branch they said they have nothing to do with that. I live in central CA and my closest Bank of America branch is now 5 hours/280miles away after the branch in my town closed 10 years ago and the branch that was 1 hour away closed this year. XXXX this " bank ''.

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 2022-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is a followup complaint to complaint id XXXX. I have filed another dispute -the same dispute - after the complaint was filed. 

I do not believe Equifax is looking into my dispute. XXXX XXXX XXXX  XXXX has reported multiple missed payments to equifax, those are false and neither XXXX of XXXX have these " late payments ''. When I call the credit card company they say that they can not find me in their system and therefore are unable to assist me. 

When I asked Equifax how are they verifying this information they tell me they call and speak with someone. 

Well I'm confused because the actual account holder can't call and be recognized so how can they? 

I've asked for the contact information they used and it's the same as mine. They never send me ANYTHING in writing about the results, the status or ANYTHING. I just so happen to check online and it says completed but then I can't see any results online so then I have to call and get absolutely nowhere. 

They are brazenly reporting inaccurate information and are doing nothing or the sort to even be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Nelnet, Inc.
State: WA
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:
Claims loan entered repayment in XXXX 2014, yet under the terms of the note, the loan has not entered repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Knight Adjustment Bureau
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, I had a collection account appear on my credit file from Knight Collection Bureau with the original creditor being XXXX XXXX. I have never heard of either of these companies & was extremely shocked when I saw this appear. I DID NOT receive any type of letter letting me know about this debt & the collection company reported to the credit bureaus without notifying me first. By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collector 's initial attempt to contact you- this was not done & the collection agency needs to be held accountable for this failure to comply, along with the many other regulations both companies have failed to comply with. 

As soon as I saw the collection account, I contacted XXXX XXXX Knight Adjustment Bureau by sending them a debt validation letter, I also let them know I had no knowledge of this debt & it didn't belong to me. Once I received information back from XXXX, I learned what the debt was for & reviewed the contract they sent me, which was a digital contract with a digital signature. ( Please note : none of the contact information on the contract matches my information, from the address, to the phone number, to the bank account used for the original payment- none of it belongs to me. ) This account was created fraudulently, without my authorization or knowledge. I did not receive any goods or service, I had no benefit of any type from any merchandise they provided a line of credit for, nor did I even know about this debt until over 1 year after the fact when it reported negatively to my credit. 

I submitted a credit fraud form with the company & they refused to investigate it because I wouldn't provide them with PII via email due to already existing concerns with my personal information being compromised. 

Knight adjustment bureau removed the collection account then added it back KNOWING that I had submitted a fraud dispute with the company. I froze my credit file, I submitted a fraud alert, I submitted disputes with the credit bureaus, alerting them to the fraudulent activity. I filed an identity theft report with The Federal Trade Commission, then submitted that information to them. I have devoted many days & many hours trying to resolve this, it has been going on since XXXX with absolutely no resolution. Both companies are failing to comply with the laws & regulations they're bound by.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Uplift, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I applied for a loan with uplift for a loan and received an adverse action letter. I am a natural person, consumer who extended my credit in good faith to obtain a loan through Uplift. I was denied an extension of credit. Can someone look into this for me immediately! Pursuant to 15 usc 1691c 1692k 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Debt Recovery Solutions, LLC
State: AL
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 have reported several times that the information reporting on my credit is incorrect in results of identity Theft. These accounts are still reporting on my credit to all three credit bureau please remove these from my account as this is affecting me to be able to buy a home. There are also addresses associated with my account that are not affiliated with me please have this removed immediately from my account. Every time I check my credit report things are constantly reporting that are not associated with me. I have filed police reports and also filed a complaint with the FTC. The following accounts are XXXX DRS XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX in the amount of {$290.00} XX/XX/XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX {$870.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To, Bureau of Consumer Financial Protection, Hi Bureau, Wanted to bring to you attention, a credit denied after applying for XXXX Credit card with Comenity Bank .They cited reason as Based on previous Negative experience with Comenity Bank are unable to process.. Previously around 3 years ago also Comenity bank closed by XXXX Credit card suddenly citing number of enquiries are high, even though my credit was initially approved and there were no other issues. My credit score is above XXXX on both the times. Also, credit history has been more than XXXX consistently over the years. Attached Documentation for both the cases. Can you please suggest your recommendation? 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX I arrived home from a 45 day rehabilitation retreat where we were not allowed any contact with outside world. Once home I checked my XXXX Bank of America Card Expecting to have {$4000.00} +. When I checked I noticed my account had been drained. I immediately called BofA and was informed I needed to call back on Tuesday the XXXX because the Claims was closed for XXXX XXXX. I shut off access to my card on that call. 

I called the claims department 1st thing Tuesday morning to report my claim. The claim amount was for {$4200.00} of unauthorized charges. 

On XX/XX/XXXX I Received a Provisiona Credit in the amount of {$4200.00}. On XX/XX/XXXX I received mail from the BofA Claims department saying the charges were unauthorized and the provisional credit will stay. 

On XX/XX/XXXX or possibly the XXXX my account was closed without any warning and the {$4200.00} was deducted from my account. 

That same day over XXXX people had the exact same thing happen to them. 

On that same day I received another piece of mail from the Claims department but this time the letter said they had ruled against me. 

I contacted the Claims department immediately and for the next 4 months was given the run around as BofA played the blame game blaming XXXX while XXXX said the issue was with BofA. 

Well we all know now the truth and the truth is BofA was using automatic fraud filters and on the same day everyone whom had am unauthorized claim had their account closed and money deducted. 

I fought this for 6 months and lost everything. Then I got word that BofA was fined XXXX XXXX and ordered to pay back the people ( me ) who were impacted by this atrocity. 

I called in and was informed they reopened my claim on XXXX XXXX. 

Since that date I have called over 25 times. Been put on their TRACKER 10+ TIMES AND HAVE OVER 15 COMPLAINTS FILED through their CSR Every call it's the same XXXX YOUR CLAIM HAS BEEN REOPENED THEY ARE WORKING ON IT. 

I've requested access to their investigation after they ruled against me more than 4 times and never received anything... you know why. ... nothing was investigated ... itbwas an auto decline due to a faulty filter system. 

As of today it's almost been 2 years. 

.. BofA has broken every rule in the banking book when it comes to the handling of claims.

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 2022-09-09
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:
I reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.

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 2022-09-09
Company: EdFinancial Services
State: VA
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 called Edfinancial on XX/XX/XXXX for assistance refunding my loan payments made since XX/XX/2020. Under the CARES Act, I am able to ask for a refund on this payments, and get my loan balance reinstated to the amount before this payments. They agreed to submit a ticket for me. 
I asked for a confirmation email and a timeline for when my refund may be expected. But they said that they do not have any way to email a confirmation the refund request is submitted nor give me a timeline sooner than 150 days. 

I attempted to contact them 3 times this week but all 3 times the phone lines would disconnect and I would be forced to wait again for at least an hour for an agent. 

This is unacceptable because I am utilizing this refund to maximize my student loan forgiveness. If they process my refund after the interest free period is over I will be forced to pay interest on loans that should already be forgiven under the new student debt relief. This lack of transparency is unacceptable and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a letter throug h Magistrate Court  on  XXXX   XXXX ,  2017 , that my ac count with Discover had been turned over to an attorney for collection. I asked my mother to call Discover and see what was going on and request a copy of my last statement of charges, since I am not able to use my phone during work hours. She was told that I had to call them to give permission for my mother to speak with Discover about my account. I had to call twice and gave my permission bec ause when my mother called to speak on my behalf the first time they said they did n't show where I had called. After being transferred several times, my mother spoke with a representative that said since my account had been turned over to an attorney for debt collection that they ( attorney ) would have to request a copy of the last statement. My mother called the attorney 's office on  XXXX   XXXX ,    2017  and had to leave a voicemail with their representative assigned to my case. He did n't call back until  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,  2017 , my mother told the attorney 's representative that we are asking him to request a copy of the last statement fr om Discover. He reluctantly said it might take a little time to get from Discover. A s of today,  XXXX   XXXX ,  2017 , I have received nothing! They are dragging this situation out so they can tack on more penalties and interest! My mother called attorney 's office again today and had to leave voicemail again. The she call ed Discover again to request a copy of last statement again, but was told that I had to give my permission fo r them to speak to her. I called and gave them my permission t wice ( again ) and was put on hold and then told I would have to give my mother power of attorney befo re they could speak with her. I told them I did n't have time for all of this run around since I was at work on my lunch hour trying to handle this. I AM TRY ING TO PAY THIS DEBT OFF but keep getting the run around with Discover. I left out names of representatives that I spoke with, ( but I have them documented ). I just want a copy of my last statement to verify the charges that Discover says I owe..I do n't thi nk they would just pay for something without knowing what they were paying for!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paypal Credit has charged me a late fee, because I paid too early. 
I received the email statement, and paid right away, however, the payment was applied to the statement period just ending, and not applied going forward. so then, the next period was declared late, because they applied it going backwards. 
this is ridiculous. they refuse to reverse the late fee. 
I think it's fraud, for them to send me a notice to pay a bill, that they are not ready to process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initialed a wire of XXXX dollars on XX/XX/2020, and its lost. My receiver never got it. Its was simply a money repay and I provided these information so many times. I sent at least 50 chase message to the investigation team and they wont even track the money for me. They just keep giving me nothing important messages, and not helping alt all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/XXXX, I submitted disputes to XXXX, Experian and XXXX   regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.

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 2022-09-09
Company: PLANET HOME LENDING, LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When making the monthly mortgage payment, it rose approximately {$500.00} dollars more. When I called the bank, Planet Home Lending, they informed me that this happened after analyzing the account and the bank having paid the property taxes. The institution reports that I pay {$3400.00} and {$860.00} for property taxes. By letter, on XX/XX/2022, ask the bank for copies of these payments made, to verify at the agency, if they were credited to my account. At the moment, the only thing that the institution has sent me has been a copy of the screen indicating the payments made and the monthly charges for the months of XXXX and XXXX. By phone call and email, I informed them that I need to go with the copies of the paid checks to the tax collection agency, in order to investigate. Tell them that this agency provides the information with the copies of the checks of the amounts received. 
On XXXX, XX/XX/XXXX, I sent an email following up on the process and they have not responded. I fear that I will not be able to afford this increase in my monthly mortgage payment and that I will lose my property. That increase represents the payment to some of my utilities or my food purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: American Credit Acceptance, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my 3rd and final time disputing this report and inaccurate information remains on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But according to Thr FCR ACT Investigative Consumer Reports. Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report.

5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA.

6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. 
Procedures. Given the preponderance of electronically available information and the growth of identity theft, a user should manage the risks associated with obtaining and using consumer reports. Users should employ procedures, controls, or other safeguards to ensure that they obtain and use consumer reports only in situations for which there are permissible.

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