BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: FL
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/2021, I sent another letter to XXXX XXXX  to verify an account in my name does not belong to me. Five months later, I have still not received a response or any type of verification. Over a year ago I submitted a police report and an FTC report for identity theft stating this account does not belong to me. I have submitted numerous disputes to Experian letting them know the debt is the result of identity theft. And, although XXXX  and XXXX deleted the account Experian refuses to delete the account citing the company says the debt belongs to me. Again, I have never received any information verifying the account 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 2018-05-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX  credit summary. Please have this delinquency expeditiously removed from my XXXX, Experian, and XXXX credit report. 

Thank you, 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 2021-06-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I opened a paypal account recently, using my gmail account XXXX. I just wanted to explore paypal to see how it works, but for some reason I get the message saying that my paypal has been permanently disabled due to fraudulent or stolen information provided by " me '', I really don't think paypal is reliable to use, because they just steal people 's information. After providing my drivers license and SSN then they permanently limit my paypal. I'm not so satisfied with this. Please kindly look into this Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened my M & T banks checking account using a promo. Here are some details : - Date : XX/XX/2022 ; - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Open any personal M & T checking account by XX/XX/2022, and make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening and get this special offer ( {$250.00} bonus for XXXX XXXX XXXX ). The bonus will be credited to your account within 90 days of all requirements being met. 

What I did : On XX/XX/2022 XXXX ) I found the promo on XXXX 
2 ) It forwarded me to the XXXX XXXX XXXX XXXX 
3 ) Clicked Redeem Online ''. 
4 ) Put my zip code XXXX as requested- received the Good news! A cash bonus promotion is available in your area message. 
5 ) It forwarded me to the application where the promo code XXXX was already pre-populated. 
6 ) I filled in all the requested info and the application was approved and the account was opened. 

On XX/XX/2022 : My {$500.00} paycheck was credited to the account as a direct deposit. 

It's been more than 4 months since that direct deposit but I havent received the bonus though all requirements were met. 

Also, I contacted a bank representative using online account messages and got a reply that I was not eligible for the promo as my zip was not included in the promo area. 

I have a strong concern about that because : 1 ) There was no promo/eligible area ( or something like that ) in the promo terms and definitions on the promo page and during the application. See the attached prints of those pages. 
2 ) When I clicked on the Redeem Online '' in the beginning, the Enter your ZIP Code so we can connect you with special offers popup appeared and requested my zip code. Once I put it the A cash bonus promotion is available in your area message appeared. I think its a direct confirmation that my zip was considered eligible at the time of application. 

I think I fulfilled all promo requirements and should get that {$250.00} bonus. Otherwise, that promo should be treated as a false advertisement. 

Please investigate.

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 2017-04-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a FHA loan and Chase has been my servicer since XX/XX/XXXX. When I was a traveling contractor, I used to call in my mortgage payment over the phone. I was charged a phone pay fee and I believe that fee was between $ XXXX. I paid over the phone on and off until XX/XX/XXXX I believe as I was told it was free at that point since I had opened an account with them. I was on an OCC mandated foreclosure project between XX/XX/XXXX to XX/XX/XXXX. On this project, I learned that a servicer can not charge a phone pay fee on FHA loans. With that being said, I would like to have all of the phone pay fees that I was charged since the loan 's inception refunded back to me. Since I work in the mortgage industry and mostly as a contractor, I ran into some financial issues in XX/XX/XXXX as a result of the housing crash, which included taking pay cuts and paying my own expenses as a contractor. When I was laid off XX/XX/XXXX, I applied for the Home Affordable Unemployment Program ( HAUP ) and was approved to pay {$0.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my XXXX payment but also applied for the Home Affordable Modification Program ( HAMP ) the same month due to the forbearance. I was unable to make my XXXX payment because I was in between jobs but I made my XXXX payment. I was approved for a modification under the HAMP program in XXXX and started my trial payments in XX/XX/XXXX. I made all of my trial payments on time and my modification was finalized in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I have been performing with on time payments ever since. However, the mortgage lates for that time period are still reporting on my credit report and I have yet to receive any principal reductions from the servicer for on time payments. I used to underwrite HAMP modifications at Chase. The HAMP guidelines required the servicer to correct mortgage lates after the HAMP modification was finalized and also gave a {$1000.00} principal reduction to the borrower every year for 5 years if payments were made on time. The mortgage lates are still on my credit report which has caused me to receive higher interest rates on auto loans, credit cards, etc. I have yet to receive any principal reductions to my principal balance to date and I have made on time payments on my HAMP modification since XX/XX/XXXX. I have called Chase twice about this and have not received an answer to date. I would like to have Chase 's regulator look into this matter and have these items resolved and/or provide further clarification. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a check for {$1900.00} because I was going to sell some furniture in XXXX. When my wife went to deposit the check, all the fu ss were available the next day. So I told the person to proceed with the purchased because the funds were now available. The next day, that person sends me a text and tells me that he had an emergency and that he needed the money back so I sent it to him via XXXX.to 2 different accounts. I sent {$700.00} to the account with the email address XXXX and {$1100.00} to the account with the email address XXXX and that afternoon I get a notification from the bank saying that my account was -XXXX so I called and ask them what happened and that I made those transaction because the funds were available, but they said that the check was a bad check, but they said they could not return my money that I had to file a complaint with yall. That is all the money we had and now it got stolen. The number they texted me from is XXXX this transactions took place in the past 2 days

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 2018-05-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the company " TOYOTA MOTOR CREDIT '' reporting on my account, replied to my dispute with a notice for deletion of said acct for XXXX.. but refuses to report the same information for the other 2 bureaus i.e XXXX and XXXX with updated information for the acct to be " deleted '' or " suppressed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of XXXX and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;

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 2017-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank of America is maintaining a blacklist of former accounts in violation of the FCRA and FDCPA. 

I was denied when applying for a Bank of America card, and was offered an option for a secured version of the card with different terms. The main reason stated for denial was that I had a current or past delinquency with them and/or one of their affiliates. I have never had a card issued by Bank of America, and no delinquencies at all on my credit report. Therefore, I can only assume they are referring to a card from one of the banks they have acquired since 2008,  which was closed, sent to collections and paid many years ago. This means that they are using data older than the statue of limitations ( e.g. time-barred ).

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to get my TransUnion credit score for quite some time now. I am unable to see it through XXXX XXXX, XXXX XXXX, XXXX XXXX, and even TransUnion online monitoring service. At first I thought it was a 3rd party issue when my local bank, XXXX XXXX, and XXXX XXXX could not show my score. I then paid for TransUnion monitoring service of just their bureau w/ score for {$9.00} on XX/XX/22 when I logged in it showed my score was XXXX like everywhere else I had been seeing. The system offered me a " trial period '' of 30 days to see my score and then $ XXXX which I opted to take advantage of to see if that would give me my score. It directed me to setup another profile which I did but then instead it billed me {$29.00} and yet again I did not have my score. I have called into TransUnion on a weekly basis regarding this issue and to this date I still don't have my score. Their representatives are hanging up on me, stop responding by muting themselves, or trying to help but still not remedying my issue. At this point all I want is to be able to see my score and I would also appreciate a refund as the issue is obviously being created by them as I can't see my score even with their products.

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 2020-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received my credit card bill from Bank of America. I have been making payments towards this bill for a year. Each time I paid more than the minimum balance and each of those were paid on time. In XXXX, I paid my entire balance in full. Once again the payment was made on time. I thought that would be the end of it, " paid in full ''. Two weeks later I received a credit card bill from BOA. The charge was for interest, {$82.00}. When I called them to find out the reason, they informed me that because I did not pay the last two payments in full, the interest was added daily and that is how they computed the amount that I owe BOA. With this logic, that means that BOA charged me interest on the remaining balance that I paid off, and still charged interest on the grace period as well. I was being charged double for the same bill.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is reporting inaccurate information and I demanded them to remove ALL accounts. I never gave consent for them to report the wrong personal information that's attached to accounts that does not belong to me. These accounts was in data breach. Opened without my knowledge and consent.

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 2022-08-26
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started a lease with Acima for a mattress in XXXX or XXXX, had the payment plan for XXXX  day payment plan to avoid paying more than its worth. Every payment went through for {$66.00} a week when I got paid. I wasnt aware of my last payment not going through which was the beginning of XXXX and they started reaching out to me in XXXX. Too late for for payment plan. I told them I wasnt aware and that I wish they wouldve told me the payment didnt go through so that I couldve made the payment right away. The man said he was going to see if something could be worked out, I let him know if he couldnt that I wont be making any payments more than I signed up for. I cant afford to overpay for something when it wasnt my fault, he came back saying that there was nothing he could do. And that there may be something to come through and that he will reach out to me then. Someone else called me XXXX days later unaware of the whole conversation I had with the man, and she said that the only thing she could do is set up another payment plan which would mean that I have to pay the outrageous amount instead of the {$700.00} something I signed up for. I told her Im not interested in paying that. And now they call every other day, I have told them I have already tried to work it out but they are being unreasonable therefore stop trying to take money out of my account and stop calling me, if I decide to make a payment I will call them. The XXXX says to me that I am under collections and that they will keep contacting me until a payment arrangement has been set. Thats the third time I have had to go back and forth with this company, this time I told her that I would be reporting them for harassment and she told me to do whatever I felt the need to do and that they would still be contacting me until they get paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX school at the University XXXX XX/XX/XXXX-XX/XX/XXXX. I was not able to work because of XXXX. We filed bankruptcy in XX/XX/XXXX. We entered into a stipulated judgement on XX/XX/XXXX. The XXXX student load debt at that time was XXXX. The XXXX student loan was {$46000.00} at that time. In the agreement, I was to pay XXXX {$55000.00} without interest. I was to pay XXXX {$21000.00} without interest. The loans were sold and I continued paying on them. The XXXX loan was paid in full in XX/XX/XXXX. I just received the paperwork documenting that the XXXX loan was paid in full XX/XX/XXXX. During the last two years Navient revived the original loans INCLUDING INTEREST in the amount of {$310000.00} with 8 % interest two years ago. They show a consolidation in XX/XX/XXXX that does not exist. Even if Navient acquired these loans as a holder in due course, they could not acquire rights beyond the settlement amount of the settlement. In addition, I paid the loans as billed by the companies they were sold to. I am XXXX years old and working at a XXXX ; I make {$XXXX} per year ; my husband makes {$XXXX}. I have no assets. There is no way I can pay for these loans again, nor should I have to. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Simplified statement of ongoing unresolved claim : Experian is incorrectly calculating and falsely reporting revolving credit utilization figure. Current verified correct total revolving credit balances of approximately XXXX and total credit limits of approximately XXXX calculates to a utilization ration of approximately 48 % This is is being falsely reported as 100 % AND NEEDS TO BE CORRECTED. 

NO INDIVIDUAL ACCOUNTS ARE BEING DISPUTED- ONLY THE INTERNAL EXPERIAN MATHEMATICAL CALCULATIONS USING INCORRECT FORMULA RESULTING IN FALSE REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report. 

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, Experian and XXXX, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.

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