BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I received an email communication from Bank of America stating that my Online Application is in progress for the XXXX XXXX XXXX XXXX  Account, in which I did not authorize this online application. I immediately forwarded the email to their fraudulent dept. informing them that I didn't authorize this application and to please contact me asap. On XX/XX/XXXX, I received another email from Bank of America to confirm my email address. I forwarded that email as well to their fraud dept. asking them to not proceed with this application and to call me asap. I also called the number that was provided in the email, stating " If you don't recognize this activity call us at XXXX '', but of course I was unable to get through to their XXXX XXXX. because you have to provide an acct # ( that I did not have ). On XX/XX/XXXX, I sent another email following up with Bank of America asking them to call me immediately to discuss this account that was opened without my consent. No one has ever responded to the emails I sent nor have I ever received a phone call back from them. At the end of XXXX, I started receiving statements from Bank of America for XXXX XXXX fees of {$4.00} for this account. 
Today, XX/XX/XXXX, I called the XXXX number, again, provided on the statement, spoke to a customer representative and asked to be transferred to the fraud dept. After the transfer, you are sent to automated recording informing you that your case has been opened, your debit card has been canceled and they will monitor the account for 14 days for transactions. They do not let you speak to anyone about the account to explain what has transpired, there's no way to open an investigation with them, nor have the acct closed immediately. It's been XXXX!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid a settlement amount to CareCredit for {$2500.00} to Synchrony Bank ( Reference number : XXXX ). Synchrony had previously listed the debt as a " charge off '', which is a negative status on the Credit Bureau Reports. I contacted the XXXX Credit Bureaus and they each said that Synchrony reported the settlement as paid in full but retained the charge off in the update as " paid settlement/charge off ''. The Credit Bureaus said that Synchrony has to remove the charge off and just list the status as paid in full settlement. When I spoke to Synchrony today, they refused to make the change, saying " it is not within the policy guidelines ''. This entry on all of my Credit Bureau reports, of there being a current charge off on my account is inaccurate and false. The previous negative status is " charged off '' the current status should be changed to " paid in full settlement '', which is a positive status. You will see in the settlement confirmation letter that the consumer report was only suppose to say " Account paid in full for less than the full balance ''. It was never supposed to include " charge off '' wording in the updated language on the consumer report, which is currently states.

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 2021-06-15
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
just received a notice from A.F.N.I. debt collection from an old XXXX XXXX account that was fraudulent being misspent on female graduate student former employee 's their last count was around 5 different females the store owner was XXXX  around with. after non-approriate action to close out account i the consumer had to cancel services with company after bill kept going up for no reason with the auto payment withdraw from checking account was being over-billed and after going to store to complain about the bill i was asked to leave and do not return all monies was receive and manager was satisfied with response on this timely manner situation. so, i left and started making payments in XXXX, n.c. and reached out to an employee their who was promoted to mgr position following her prmotion from XXXX site to XXXX and i explained too her what was going -on their at the XXXX site location, and she inform myself to turn in the devices that i had a contract with that was paid for at the XXXX  site and inform the manager that an complaint would be filed for fraudulent overdraft withdrawal from my checking account, and now the store is closed, the women the manager was XXXX XXXX  with are now managers in XXXX XXXX n.c. and XXXX  XXXX s.c. and store managers in georgia as well. so, here i am complaining again for the 3rd time in 3yrs too close out account, this bill for {$1300.00} can go right back to the employee 's pocketing the money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
Wells Fargo repossessed my car when it wasnt late. It affected my credit and it took me years before I could get a car. And when I finally could needed a co-signer. This whole process had started a chain of events that has affected our family life and its been very tough to regain my financial footing after this. I am still very affected by the multiple repossessions from this one vehicle.

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 2021-10-18
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: Personal information incorrect

Complaint:
I have reached out to Experian in regards to incorrect address on my credit report. The addresses that should be removed is XXXX XXXX XXXX XXXX XXXX, Ga XXXX, XXXX XXXX  XXXX XXXX apt XXXX, XXXX, Ga XXXX, & XXXX XXXX XXXX XXXX XXXX Tx XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX. I have also ask to verify and remove the US AUTO Finance/ do to my credit report stating the balance of XXXX, & the account transferred over to new lender. Please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 am AGAIN submitting documents showing that XXXX, on page 19 was listed and discharged in Chapter XXXX bankruptcy. 

I have been told that student loans do not get discharged under bankruptcy, however, that is NOT the case. There are special circumstances, such as mine, were there is a hardship and they DO get discharged.

I have attempted to contact NUMEROUS people about this. I was SEVERLY injured. We lost EVERYTHING in 2018 due to my inability to work. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX, have been XXXX for infections for weeks on end, almost XXXX XXXX XXXX, may NEVER walk again, have had two XXXX XXXX. 

Due to the hardship of my case, ALL DEBT was discharged, INCLUDING ALL STUDENT LOANS. I would NEVER be able to repay.

NOW, I have not 1 but 2 companies, reporting and listing late payments on the SAME debt, making it appear as if I have MORE credit than I have, that I have MORE late payments and that I OWE. 

I DO NOT know how to make things any more clearer to ANYONE. I have sent photographs, records, ALL the information and STILL, I get back .... ACCURATE!! 

HOW CAN XXXX, a company who BOUGHT A DEBT FROM XXXX, report the SAME DEBT and yet XXXX is CONTINING TO REPORT THAT I ALSO OWE THEM???? 

SEE ALL ATTACHED DOCUMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There's a few issues I'm experiencing with my loan. This company has prevented me to make payments online which has resulted in late fees, credit card processing fees, and terrible customer service. Every time I speak with an agent from your collections department they're extremely rude. My car was repossessed earlier this year, and after paying all the fees it took over 7 days for me to receive my vehicle back, and I was never compensated for it. I have several late charge payments from {$5.00} - {$25.00} that could've been refunded due to my inconvenience. Also, I sent a request to be added on the Do not call list on XX/XX/2022 and still receive calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EdFinancial Services
State: NY
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 submitted an application to the SAVE program on XX/XX/XXXX on the studentaid.gov site. XXXX reported this application as received on XX/XX/XXXX. The monthly payment amount listed under the SAVE plan is {$280.00}.

Edfinancial ( my servicer ) transferred my account to their new platform on XX/XX/XXXX, listed a payment amount of {$510.00}, due on XX/XX/XXXX. On XX/XX/XXXX, I received an email that I had new messages regarding my student loans ( attached ). These messages asked me to recertify my XXXX plan, but did not acknowledge my SAVE application. 

I uploaded my XXXX tax return to Edfinancial 's site, even though they should have already received it as part of my SAVE application. I also emailed Edfinancial multiple times, using the form on their site, asking for information about the status of my SAVE application, and requesting that my loans be placed into forbearance if they could not process the application by the payment date of XX/XX/XXXX. I received no response to any of my emails. 

Having heard nothing from Edfinancial, I telephoned the servicer on XX/XX/XXXX. When I spoke to a representative, I was told that Edfinancial had never received my XXXX application, but they could begin processing a new application immediately if I paid a {$5.00} fee. I did so ( the confirmation email is attached ). I asked about putting my loans in forbearance until the application was processed, and was told that Edfinancial would not do that, and that due to the " on ramp '' this would not matter. I did not, and do not, believe this to be the case, because I will still have a larger amount past due at the end of the " on ramp '' period than I should under the SAVE program. 

On XX/XX/XXXX, I reviewed my account to see that not only did Edfinancial not put my loans into forbearance or acknowledge the existence of my SAVE application, but they have increased my payment amount for XXXX to {$950.00}. I have received no correspondence from Edfinancial explaining why my payment nearly doubled, and is almost 4 times what it should be under the SAVE plan.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-23
Company: RAM America, Inc
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
RAM Payment , LLC, also doing business as XXXX ; Account XXXX XXXX, XXXX, formerly known as XXXX XXXX XXXX ; XXXX XXXX ; i was taking advantage from this company and need to now how to join the lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have applied for the SAVE program and selected the option of deferment for {$5.00}, as the application explained. 

I received two emails from Nelnet, one when the application was put in, XX/XX/2023 saying nothing further is needed from me, and one on XX/XX/2023 stating that my application is in process and they will reach out to me if anything is needed and/or in ten days. 

I have received one further email which was not in regards to my application, but to my billing statement. My first payment is due on XX/XX/2023, for {$420.00}. I am unable to make this payment. I was pulled off of the deferred status I was in to apply for the SAVE program. I have checked all email folders for any subsequent attempts of communication, and there were no attempts. 

I emailed them over a week ago to determine what is going on with my application and have received no reply, nor confirmation of aforementioned email from them. I have attempted calls, but wait times are currently over 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I got the lease from XXXX  with the title and loan held by Hyundai Motor Finance co. I moved to a different state and the new state requires that I transfer registration and licence to the new state within 60 days. In order to do that I need to get a copy of the title and be given power of attorney so I can go to my states DMV and do the transfer. It has been over a month and half of me calling, emailing, sending them requests on their proprietary system to no avail. I am at wits end as to how to resolve this as I will soon be unable to drive my car since the 60 days will be over.

This seems to be a common complaint that people have with Hyundai Motor Finance where they don't release the title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Re ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX  thru XXXX XXXX  Acct : ending in XXXX for {$3400.00} XXXX XXXX File Number : XXXX Debt to XXXX XXXX  discharged on XXXX. 
XXXX - debt collection call from XXXX XXXX at XXXX XXXX. 
XXXX - Response by Executor, XXXX XXXX, to XXXX XXXX uncured debt dismissed. 
under XXXX XXXX, Sec 727, of Title 11. 
XXXX - XXXX XXXX XXXX assumes debt collection after discharge. 
Monthly collection statements continue from XXXXXXXX  to date. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX passes away from XXXX  XXXX. 
XXXX I received a collection call from XXXX. 
Monthly collection statements continue from XXXXXXXX  to date. 
Cease and Desist Order sent by me as Executor of the 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 2021-06-30
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi There, I did an XXXX XXXX flight on XX/XX/XXXX and received a flyer with an offer to apply for a XXXX XXXX XXXX managed by Barclays offering {$0.00} annual fee for the first year plus XXXX miles. 

I did the application online on XX/XX/XXXX and used the code stated in the flyer ( XXXX ). 

They approved me but I noted few days later that I was charged an annual fee of {$99.00}. 

I called their customer service many times asking why did they make that. They said that the promo was valid only if I had done the application in flight and that as I have done it online, the code was not applied. 

I reinforced that the flyer does say on the back cover that I could be doing the application online ( Apply in flight today or visit XXXX ) and sent it by email ( XX/XX/XXXX ) so they could see and validate it. Over a month later they said that they would not revise it, that the promo was not valid online. 

I'm sad to learn that Barclay 's does not honor their advertisement and wish you could make them honor it. 

Tks in advance, 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 monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-11
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: ID Analytics, Inc.
State: NC
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:
On XX/XX/2022, SageStream , LLC, a subsidiary of XXXX XXXX reported a " credit score '' of XXXX to XXXX XXXX  during attempts to secure a loan for a vehicle. After securing my report from SageStream , LLC, there is no such " credit score of XXXX '' on the report THAT i HAVE JUST RECEIVED TODAY, TUESDAY, XXXX  XXXX, XXXX, unless I am over looking the XXXX pages plus. It is a general understanding that the SageStream , LLC is a personal consumer reporting agency not a personal credit reporting agency that deals with finances. My report consist of my residences, auto report information, insurance information, and the XXXX XXXX report. There is no information regarding how I pay my debts, the debts that I have, and extended credit. Thus, how can SageStream , LLC determine and submit a credit score to XXXX XXXX? 
When I called SageStream , LLC about this, I was told that they had not submitted a report to XXXX XXXX  which appears to be false according to XXXX XXXX  's denial letter to me. There is a lot of confusion, misrepresentation, and harm caused. Originally, I was denied securing my report from SageStream by employees overseas. I had to keep calling and calling and finally secured the attention of a supervisor who sent me the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Im wanting these inquiries deleted off of my credit report because I did not authorize any of these companys to run my credit it is fraud

Company response to consumer: Closed with non-monetary relief