BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Rhode Island Student Loan Authority
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan with XXXX was supposed to be refinanced over a month ago with XXXX. However my XXXX loan is still not paid off and still accruing interest and requiring payments. The new XXXX loan has also been accruing interest and repayment started on XX/XX/22, even though they have not paid off one of the loans they are supposed to be refinancing. I've received a lot of changing and conflicting information from both XXXX  and XXXX. We've been trying to resolve this for the past month without much progress. 

I had an approximately $ XXXX student loan with XXXX and my wife had an approximately $ XXXX student loan with XXXX. Last month we refinanced and consolidated into XXXX loan with XXXX for about $ XXXX. The XXXX loan was paid off quickly, however the XXXX loan was never paid off. Per XXXX, they disbursed payment to XXXX on XX/XX/22. I called XXXX several times but was always told that no check had been received. XXXX asked me to wait 30 days before requesting a new check. 

After waiting the 30 days as instructed by XXXX, we called on XX/XX/22 and XXXX told us that XXXX had cashed the check on XX/XX/22. XXXX initially couldn't find record of this and when they got back to us, they state they sent it back to XXXX on XX/XX/22. First they said it was because it was sent to an incorrect address, then said it was because there was no account number to identify it. We're now being told that we once again need to give it more time while the check travels back to XXXX. 

I can't get consistent information or a clear timeline from either XXXX  or XXXX. We are now having to make payments on both the XXXX loan and the new XXXX loan. I raised this concern to XXXX  before their first payment was due ( due on XX/XX/22 ) and was told to give it more time. 

My other concern is that both of these loans are accruing interest. Instead of accruing interest on ~ $ XXXX of loans, we've been accruing interest on ~ $ XXXX of loans ( interest on the ~ $ XXXX from XXXX and then again from XXXX ). I don't understand how XXXX can start requiring repayment when they have not paid off the loan they were supposed to be refinancing. 

We've spoken with XXXX and XXXX several times. I've also spoken with XXXX to verify that they didn't accidentally receive the full ~ $ XXXX. We don't seem to be getting anywhere yet every day more interest accrues on both loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at around XXXX XXXX I deposited a cash amount at a Chase Atm , a total of {$1800.00} in cash all XXXX dollar bills. Atm shut down mid process and the deposit didn't go through and no recipient was given as well as the moeny didnt get returned. I called immediately at XXXXXXXX XXXX and was told I was going to be credit for the {$1800.00}. On XX/XX/XXXX I was charged back {$1700.00}. I called Chase and was informed that they had audited the ATM and that they had only found {$94.00} despite only depositing $ XXXX. Tried to fix this through them but Chase doesn't not want to fix this saying that they can't do anything else. That I just have to eat it. I have spoken to a claim rep 3 times and superviser 2 times. They took the {$1700.00} and now want me to pay the {$1700.00} to get my bank balance back to {$0.00}. I have also insisted that cameras be checked and they say that no that it was already audited and no further actions can be done. I have told them about the discrepancy regarding only depositing {$100.00} dollars bills and them only finding {$94.00} dollars and have been told that they have nothing to say to that. That they don't have an answer to that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I traded in the XXXX XXXX XXXX on XX/XX/2023. Ally Bank currently holds the title. The first portion of the payoff was mailed out overnight on XX/XX/XXXX. I was told by ally that the payoff check wasnt received and that was as of XX/XX/XXXX. Yet, the dealership told me Ally bank received the check but it wasnt enough. Ally Bank is purposely holding certified funds in order to collect extra interest off the loan. Thats fraudulent. It shouldnt take 2 weeks to cash a certified check and close out a loan.

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 2021-07-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXXand shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: 1st Franklin Financial Corporation
State: AL
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:
Disputed incorrect information with the Credit Bureau and 1st Franklin several times. The Company continued to report incorrect information. I asked for the Attorney and then they looked into what I had disputed after several months of disputes.

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 2023-08-18
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: Card was charged for something you did not purchase with the card

Complaint:
I use a Bank of America VISA card. 

I went on vacation in XXXX XXXX. On the last day, I went to the airport. I made two charges there. One at XXXX XXXX and the other at a bar. Both were recorded on my bill. However, between those 2 charges was a charge for {$280.00} at a restaurant I never ate at. I put in a fraud claim THREE times and each time was denied. 

I asked how it could be that I was in the XXXX XXXX  AND the restaurant at the same time ( Since the charge fell between 2 legitimate charges in the airport ). I have only one card issued to me. In spite of explaining that three times, they said the chip was read therefore it's a legitimate charge. There was no discussion on my point on timing. 

This is my first ( and last ) card with B of A.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$65.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 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 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 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 2023-01-04
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX XXXXXXXX BANK XXXX # XXXX, XXXX XXXX BANK # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-08-16
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
I have a signed and executed Forbearance Agreement with Dovenmuehle Mortgage stating we have to pay {$0.00} XXXX, XXXX and XXXX XXXX  payment due to COVID-19. I then paid on time my XXXX and XXXX XXXX  payments. BUT the Mortgage company, IN ERROR, reported me 90 DAYS LATE to all three Credit Reporting Agencies. Upon contacting my mortgage company, which took 6 different people and almost 7 hours of phone calls ... I finally reached XXXX XXXX, a Manger and he admitted that they in error didn't not report the the credit bureaus the proper information for many of their customers in Forbearance. He gave us a verbal and it was on their recorded line and he advise me that another department would mail us a letter in 5-7 business day stating such. Problem it that due to their error, my score dropped from the mid to high 700s to the low to mid 600s!!! This caused me NOT to obtain a Mortgage Pre-Qualification letter and I lost the home that I put an offer on! I need help ASAP as I CAN NOT wait 30 days for my score to rebound and the Mortgage company is not willing to do anything to help! ( supporting docs attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

I HAVE PROVIDED FULL AND COMPELLING EVIDENCE TO PROVE THAT THESE ACCOUNTS CAN NOT BE ON CREDIT REPORTS. I AM PREPARED TO FILE A CIVIL LAWSUIT AGAINST YOUR BUREAU IF YOU DO NOT COMPLY.

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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yes I had mad a deposit the day before I was working I made a big deposit for XXXX $ dollars on XX/XX/2023 and on my way to work I stopped for breakfast at XXXX and I spent {$10.00} on XXXX the XXXX XXXX my card was lost apparently when I contacted the bank I noticed all of my money was out of my account but I didnt notice until the next morning I tried to get breakfast again so while at work I contacted the bank ant let them now I lost my card and that there was a unauthorized charge made on my account while I was at work for {$5800.00} at a placed called XXXX XXXX XXXX XXXX I was work with bank to get this resolved they said I was gone XXXX a credit but ended up not getting a credit and no reason why Im just very frustrated that {$6000.00} dollars is just gone so yea im filing complaint be this is not right thats places when I called is like a hour and 15 min from where I stay

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 2023-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I ASKED THAT MY NAME REFLECT ONLY MY BIRTH NAME INCLUDING MY SUFFIX THAT IS LISTED ON MY DRIVERS LICENSE AND SOCIAL SECURITY CARD, BECAUSE MY FILES ARE ALWAYS GETTING MIXED WITH OTHERS THAT SHARE A NAME SIMILAR TO MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to 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 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 XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STARS : 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 or crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A OERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF TH PERSON KNOWS OR HAS REASONABLE CAUSE TI BELIEVE THAT INFORMATION IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I hereby request the deletion of a charge off on my credit report by CITICARDS CBNA due to inaccurate information, the furnisher is unable to provide me with the copy of 1099C used in writing off the debt with the IRS to know how much the debt was charged off. The furnisher has not been able to provide this information since over 30 days as required by law. 

In this regard, kindly delete the charge off due to inaccurate information due to inaccurate information.

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 2023-07-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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 reasonable cause to believe that the information is inaccurate.

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2022-02-16
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Within the realms of the Public Service Loan Forgiveness program, it was expanded to include different options to help people in Public Service have loans forgiven. Once a loan has received XXXX payments then that loan is forgiven. One of new options of the program, is the ability to consolidate new ( er ) loans with older loans. Once these loans are consolidated, the new loans will have the same payment counts as the old loans. 

I am currently in school and am scheduled to graduate in XXXX ( 2022 ). I have student loans that go back to XXXX obviously have a high payment count. My plan was to consolidate my loans upon graduation with my older loans to take advantage of the new rules in place. This would bring up my new loan payment counts current with my old loan payment counts. 

I called FedLoan on XXXX XXXX to discuss this matter as well as others. I expressed my concern about the older loans being forgiven and how I didn't want that to occur. They noted my concern. 

I called FedLoan on XXXX XXXX to express this concern specifically and to ensure that the forgiveness didn't happen to my older loans. Further, I asked what could be done to prevent this. A " case file '' was going to be opened and I was told that I would be contacted within 24-48 business hours. 

XX/XX/XXXX, those older loans, the ones that I specifically asked not to be forgiven and what steps I need to take to prevent them being forgiven were .... Forgiven. 
I called FedLoan Ombudsman immediately upon finding this out to complain and see what my options were. He ( the guy I talked to was named XXXX XXXX stated that he would send his supervisor an email to see what my options were. XXXX stated that he would return my call ASAP and I never heard back from him. 
XX/XX/XXXX - XXXX called back immediately, and ironically talked to XXXX again. He stated that he sent the complaint up to his supervisor, and read me the response. The response indicated that the loans probably couldn't be reinstated, but they still have a balance on them. He said I could continue to escalate the issue if I wanted. I did, and he was going to transfer me to his superiors. He was unable to transfer me because no one was answering when he tried to transfer me over. He then gave me an extension and told me to call the main line, which I tried- but is notorious for long waits. In the past I've waited 3 hours on hold and never got through. I hung up after 40 minutes this AM. 

Side note - I also asked for a copy of the email that was sent from XXXX to his supervisor and the response that was sent back to XXXX. I was told that I couldn't have a copy of it.

Company response to consumer: Closed with explanation