BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX  has Charged {$4400.00} On my Bank of America Credit Card. Ive Submitted A fraud Report to Bank of America about these charges, but Bank of America closed my fraud claim and is refusing to refund these charges as " They are consistent with previous activity. '' And therefor I am unable to receive my refund. 

My Only service with XXXX  is the Internet Gig Plan. 
According to my Bill, It is only to be $ XXXX/month

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 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Closed XXXX Closed Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.

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 2022-09-18
Company: EQUIFAX, 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 written several letters to XXXX, Equifax, & XXXX about an account on my credit report " XXXX XXXX ''. Each time the dispute results says the account is verified. I have written letters and contacted XXXX XXXX several times and either I got no response or they could not find any information with my name on it. I finally got a letter from them after many months of disputing this account stating that the account reporting could not be located. How are you conducting your investigations? Are you really doing a true investigation? Where are you getting your information? If the company could never provide me with information and now I finally got a letter that says " account could not be located '' are you really doing an investigation on my account. Now I have questions about other accounts that I have disputed and wondering if you are accurately doing an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my mortgage payments are {$78000.00} a month we had a bad few months, so i was paying {$700.00} a month and 4 months, later Huntington bank was trying to foreclose on our home with letters, i could not figure out what was happening, so i called them they had told me i had not been paying my payments, the 3 {$700.00} payments, just sat there, the XXXX, mi branch took my money, and all was good, then when i talked to them oh they had to tall XXXX oh, because they did not take care of that any more, i talked to a XXXX in the XXXX mi branch, he has yet to even call me back and get this straightened out, so i dealt with XXXX oh and finally got back on track, they said because i was not paying my payment in full they could not apply it to our acct,????? really, they actually mailed 2 check from Huntington bank in XXXX and XXXX back to us, instead of applying the, so they finally after my calls canceled them and once i pd {$86.00} on XX/XX/XXXX they applied one payment, then on XX/XX/XXXX i pd another {$170.00} they applied 2 more and then i pd {$780.00} plus {$100.00} late charge and they applied that one, the XX/XX/XXXX payment of {$700.00} they pulley out and reapplied that one, so finally on XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX payments got applied .I still owe for XX/XX/XXXX payment, every month because they wrote us up in the credit bureau and have ruined our credit, over not applying that money to our acct.i think they need to be fired for screwing peoples lives up, i will never recommend this bank to anyone, and i feel they need to correct this,. computers are only as good as the person putting in the info., i have never heard of a bank refusing money, because they can not apply to the balance, crazy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: GOLDMAN SACHS BANK USA
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:
Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is XXXX XXXX XXXX card for XXXX XXXX XXXX XXXX XXXX : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Nelnet, Inc.
State: CO
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 made an extra payment of {$480.00} in addition to the amount due on XX/XX/15 but it was evenly distributed across my loans when it should have gone to the loan with the highest interest. I have my account set up for " XXXX XXXX '' where the extra payment is applied to the loan with the higher interest rate but this didn't happen. 

So instead of the extra payment going to the principal of the loan with the largest interest rate ( like it supposed to ), which would save me on interest in the long run, it is spread amoung my loans not allowing me allowing me to benefit from interest savings. 

Additionally, my account is set up so that the extra payment doesn't advance my due date. Meaning, I should have a payment due on XX/XX/15 ( it should be the same amount as what was due in XXXX ) but they advanced my next due date to XX/XX/15. This is bad because my loans we still accrue interest during those 2 months so once again I will end up paying more interest. 

I have reached out to nelnet several times but have been unable to fix the issue and the longer the error isn't fixed the more extra interest I have to pay. It seems like they are causing these errors so they get more interest from their loanees which seems illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began asking Mr. Cooper with help paying my mortgage on XX/XX/XXXX.  On XX/XX/XXXX I spoke with XXXX ( I dont have his last name ) and his recommendation was to apply for a loan modification. I wrote a letter explaining my financial difficulties. I was XXXX in XX/XX/XXXX and was denied 3 months of my social security benefits. I have been struggling to make a comeback from this. I am retired and on a fixed income. 
I mailed my 1st application XX/XX/XXXX. I was rejected because I missed the due date of XX/XX/XXXX by one day. 
On XX/XX/XXXX I mailed my second application with a USPS and a tracking number. It was delivered XX/XX/XXXX tracking number : XXXX. 
I began calling to check the progress of my application. I called XX/XX/XXXX and spoke with XXXX ; she reported no documents received. On XX/XX/XXXX I spoke with XXXX ( I am uncertain as to the accuracy of this name ). She reports no documents received. On XX/XX/XXXX I FAXED my third application. On XX/XX/XXXX to check progress. I was told they had no information. On XX/XX/XXXX I mailed my 4th application via certified mail number : XXXX. It was delivered XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called again. I was told I needed to submit award letters for my social security and my pension. I told them on page 3 of the documents required it states this information can be submitted by 2 recent bank statements OR with an award letter. I at this point had submitted 4 copies of bank statements with the social security and pension deposits highlighted. On XX/XX/XXXX I mailed my 5th application. The issue of award letters so I FAXED them on XX/XX/XXXX. I sent my XXXX pension information and the needed the XXXX document. I FAXED the XXXX pension document on XX/XX/XXXX. I have not included the unreturned responses to my many phone calls and emails. I reached out to their Research Department as well as their Consumer Relations Department. On XX/XX/XXXX I called the Consumer Financial Protection Bureau. I spoke with XXXX. I was given on how to proceed with a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2021-09-09
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX i sent by certified mail to Receivables Management Systems a letter to validate a debt they have been reporting on my Credit Report Since XXXX. They failed to respond to me at all. On XX/XX/XXXX, a dispute was started with XXXX, they quickly verified this account with XXXX and continue to damage my credit with this unvalidated information. On XX/XX/XXXX Received a letter from RMS SAYING THEY NEEDED TIME TO VALIDATE THE ACCOUNT BY REACHING OUT TO THE ORINGINAL CREDITOR, ON XX/XX/XXXX I CALLED RMS AT XXXX A.M TO DISCUSS THIS, RMS CONFIRMED ON THE PHONE TO ME THEY COULD NOT VALIDATE THE ACCOUNT, BUT STILL REPORT THIS HARMFUL INFORMATION ON MY CREDIT ACCOUNTS. I SHOULD NOT HAVE TO CONTINUE TO SUFFER ANY LONGER BECAUSE OF THEIR FALSE REPORTING PRACTICES. I REQUEST THE NEGATIVE ACCOUNT BE REMOVED DELETED FROM ALL CREDIT BUREAS IMMEDIATELY. ALSO THEY SHOULD BE FINED AND I AM REWARDED MONETARY DAMAGES. RMS ALSO LIED AND SAID THEY DID NOT RECEIVE MY ORINGINAL XX/XX/XXXX REQUEST BUT IT WAS SIGNED FOR BY THEM. THEY ONLY RESPONDED TO THE XXXX DISPUTE ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Alliance Recovery Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several phone numbers were robocallers.They did not give name or whatever. Just a computer voice to call the number but my caller id picked this up. I did the XXXX and found nothing. Scammers is what I call it but this is what my caller id found : Spam? XXXX and this Spam? XXXX they come back to Alliance Recovery. But also found this : XXXX Landline Number Network Operator : NA Location : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX Location : XXXX XXXX, RI I don't know if this is real or a scam. 800 notes also had a lot to say about these numbers also. Thanks

Company response to consumer: Untimely response
Consumer complaint received 2021-01-04
Company: Harris & Harris, Ltd.
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 have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Levy & Associates, LLC
State: OH
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 contacted XXXX XXXX and was advised my debt was now with Levy and Associates. I have not received any written communication or any calls from Levy & Associates. I attempted to contact them through their website to settle the debt, but have had no communication returned. When I attempted to try and make a payment it said that I needed a file number. In the correspondence with Levy and Associates I advised I did not have a file number. I've provided my email and phone number and advised them email is the best communication source during work hours. No emails or calls from anyone stating they are with Levy & Associates, providing a file number. And now I just got a notification they are trying to garnish my wages without responding to my correspondence or providing me the necessary information to make a payment. I've also tried to contact them again via their website, during work hours and the request is now not sending, stating their website is not working or has timed out. Again unable to communicate with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
NETCREDIT is charging 99.98 % rate on a {$1500.00} online loan. I was told that the cap in Louisiana is 12 % to 36 %. I have been paying every month and today my balance is still XXXX. Nothing has been applied to my principal since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Revco Sol says I owe {$200.00} from XX/XX/2019. This charge was removed from my credit report from XXXX and XXXX credit bureaus as this does not belong to me. I am unaware of this charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information. Please I am requesting another investigation to be done due to I have a new information that this is not reporting 100 % accurately and complete. 

Public Record : XXXX XXXX CA XXXX XXXX Docket # XXXX Reason : This account belongs to someone with a similar name. 

Please send me an updated copy of my credit report after this item has been removed and deleted as required by FCRA law. 

Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

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 2023-07-04
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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've sent several disputes about these inquiries I never authorized. 
these inquiries are Fraudulent on my report. I'm a victim of their inquiries issues. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-03-09
Company: Scott Fetzer Financial Group Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receive letter on XX/XX/2018 telling me that I've been reported to the credit bureaus about a late payment on an account I can not recognize. This letter came from, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Kentucky XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  account balance {$1600.00} on my Transunion Credit Report has violated my rights. 

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S 2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that the information is inaccurate.

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