BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have filed SEVERAL complaints that are the SAME complaints because the company XXXX Bank of America XXXX keep LYING and stating the problem has been " resolved '' and/or whatever other LIES they tell you, however, nothing could be farther from the truth, all they ( Bank of America XXXX does is send me a letter with a " special '' phone number and a " special customer service agent '' that does ABSOLUTELY nothing!!! This is, HAS been a continuous loop that has been happening for quite some time with this company ( Bank of America ) which falls in right along with THEIR PREDATORY LOAN PRACTICES AND STRATEGIES!!! Please see this pattern and what's to " really '' going on and be privy to this information. Thank you. Sincerely, XXXX XXXX for Estate of XXXX XXXX XXXX, ( # XXXXBank of America 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to TransUnion, XXXX, & XXXX about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 USC 6802 ( b ) ( 1 ).

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This fraud account is not mine. Moreover only one bureau reports this misleading information. Obviously, that this is an error. Please remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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. 

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 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.

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: 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: Account status incorrect

Complaint:
I disputed a account on trans union which is over the 7 year period. Trans union refuses to remove this as required by law. Trans union is in violation of the law. The account was closed XX/XX/2013 was last payment made which is now almost 8 years ago which violates the 7 year law.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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:
The following credit inquiries were not authorized on my credit report and I want them deleted. 

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

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 2022-09-28
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:
Inquiries 15 U.S code 1681n Infamis of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The Following Must Be Deleted ASAP!! 

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA Compass bank shut down Simple Bank and stated to its customers that they would be transitioning all Simple accounts to BBVA accounts. Customers are told that account numbers would stay the same and the Simple debit cards would still work. It's been two days since the date of transition, XX/XX/2021, and I'm not able to access my old Simple account or create my online BBVA account. My debit card is not working and I have no access to my money because everyone who has a Simple accounts had their accounts locked by BBVA. BBVA had this transition planned for months. The ONLY correspondence from them has been ONE apology on their XXXX account. I found this by accident googling this issue. I don't have a XXXX account so how was I suppose to know anything that's going on? I couldn't even get an email explaining why I couldn't access my money,. When calling customer service their representatives pretend they can't hear you and hang up or you're put on hold and then your call just gets disconnected. At this point I'm sure it's considered theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: AES/PHEAA
State: IL
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 am on the Loan Forgiveness Program, three years ago I got a letter that I qualified for 40 payments, then I made 9 more payments, and one day I looked at the computer that said I had 35 qualifying payments. When I called 11 months ago they told me it was a computer problem and they would fix it, I called them ten times more times I emailed them 10 times and there is never any updates. 
They keep ignoring my questions, they continue to verbally promise me I have made 70 qualifying payments but they never answer my questions. The computers keeps saying I only have 35 qualifying payments, and when they do answer my email they give me an answer with a pre made form that clearly shows they have not read any of my emails. It has been 11 months and I need a clear answer as to how many payments they qualify. When I call they say I will be qualifying for 70 payments, but I only see 35 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: MoneyLion Inc.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Issues with repayment

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I called money lion several times. I have been a member of money lion for several years. I use them for XXXX XXXX XXXX  and I have used them for their credit builder plus loans. At the end of XXXX I notice there was a XXXX XXXX XXXX withdrawal on my account and the money was put into an account that was not mine. From an institution that I have never heard of. I immediately reported this as fraud on XX/XX/XXXX. This company is the worse company ever. There is a clear language barrier and i have spent countless hours explaining the same thing to several people with no resolution. This is my credit that's on the line and i need to speak with a competent person who can assist with my account and the details of my account so that im assured that im not going to be responsible for this fraud and my credit builder plus loan is not going to be reported late. 

I was told initially my fraud investigation would take 5 days. Its been over a month and i call and follow up weekly and there is no new information. Whenever i ask for a supervisor they tell me one isn't available. After holding for an hour im told they still need to research the information on my account and someone will call me back but NOONE ever calls back. 

This credit builder plus loan reports directly to my credit and my main concern is making sure that loan does not get reported delinquent on my account. They keep telling me i need to make payment on the app and ill i need to do is reset my password. Well its no surprise that i can not reset my password because ever since my account was hacked and i reported it as such i stopped receiving password reset emails and they insist on telling me they are sending me emails and i keep telling them i can not get their emails to the email they have on file. I requesting changing the email but their telling me they can not do that either they have to use the original email with seams absurd. Today XX/XX/XXXX i spent XXXX hours hanging up and calling back praying to get someone competent on the phone who can help me to know avail. I'm told the dedicated team is working on my account and they will call me back. I'm fed up its horrible to have consumers spend hours and hours and hours trying to resolve a potential financial issue and the company completely disregard my concerns have no sense of urgency for this matter as I was originally told 5 days and its been over a month.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: CARCO Group, Inc.
State: TX
Product: Credit reporting 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:
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.Thank you for your time and help in this matter. 

inquiries that I am unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there is many inaccurate previous addresses that are very old the only XXXX that should be listed isXXXX XXXX XXXX XXXX XXXX XXXX XXXX please have it removed .thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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 2023-11-30
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A few days ago I received a notification stating a debt collection had been reported on my credit which was a shock to me so I contacted the collections company ( CREDIT COLLECTION SERVICES at ( XXXX, Address is XXXX XXXX XXXX XXXX MA, XXXX ) and they told me XXXX XXXX asked them to collect money from me. I told them I do not know where the debt is coming from because I have a different insurance company and I told them that I do not owe XXXX any money. They advised that I contact XXXX which I did and XXXX told me that they do not see any policies on their file for me which made sense to me since I canceled the only policy I had with XXXX. XXXX even sent me a refund check which I have attached. I did not have any existing policy with safeco so this really shocked me. So I later called the collections company again to see what property address and they gave that to me. That property address is under an LLC and it was through XXXX XXXX, which I was later told by XXXX that the XXXX XXXX Agent got the insurance through XXXX. I have never received any communications from XXXX and I did there is no way I wouldnt or couldnt pay {$79.00}. I asked XXXX why didnt they call me or email me if I owed them and they couldnt answer. I knew this debt collections on my credit could stop me from purchasing my home so I asked XXXX If I go ahead and pay them the money they claim I owe them ( {$79.00} ), will they remove this from my credit and the XXXX representative told me emphatically YES. I asked them to send me an email confirmation and evidence of what they told me on the call. I went ahead and made the payment just so I could be over with the whole situation and not because I actually owed them money. I followed up with XXXX a few days later and they are telling me they have advised the credit company to remove the reporting from my credit report. I called the credit company and they said they will not remove, they can only report it as paid in full which is not what I was told would happen. I was told this would be removed completely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My card is locked so Im receiving alerts when people try to get money or use my credit. My cards are being replaced with prepaid ones so that a fraudulent person can use my account to get lower mortgages and vehicles. It leaves me in a bind and every time I go to use my hard earned money and credit I can not because of lazy pathetic fraudulent individuals want what I have. Someone is receiving Benifits, loans, also commuting felonys using my identity.

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 2023-02-02
Company: CCF Intermediate Holdings LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Check into cash in XXXX Kansas set up payment on the XXXX of every month. In XXXX the tried to get payment on the XXXX instead. This caused an overdraft on my account and the bank charged me {$28.00}. I called them and they said I had to come in and show my bank statement. I explained I am in the hospital. I have had part of my foot XXXX  and cant leave. Then they said if I dont come in to switch the account over they will send it to collections. I tried to resolve this with their complaint department but kept getting disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX University in XXXX XXXX, VA from XXXX to XXXX. During that time, I received yearly student loans to pay my tuition. After I graduated, I got a deferment from repayment. Unfortunately, in the 18 years since I graduated, I have lost my original loan paperwork and I don't remember exactly when I started to repay the load. 

Currently, my student loans are serviced by Navient. I started working for the federal government in XXXX. Shortly after that, I had my school loan payment automatically deducted from my paycheck. I retired in XXXX of XXXX and contacted Navient in XXXX of XXXX to find out how much I still owed on my loans. 

It was very difficult to get an exact accounting of my loan history from Navient. They sent me a two-page history of my loan payments for the years XXXX through XXXX. In addition, they sent me a very confusing printout of my loan activity beginning in XXXX. They did not explain the reasoning for how my loan payments were being applied before XXXX. 

Also, it appears my principal loan amount changed over the years. On one of the Navient reports it says my original loan amount was {$80000.00}. On that same document, it says my original loan amount was {$84000.00}. In the report they sent me that covers the years from XXXX to XXXX ( although the years XXXX to XXXX are very confusing ) it shows that I made payments every month by automatic deduction from my paycheck in amounts varying from {$310.00} to {$380.00} per month. Because the report is so disjointed, I can not be sure of the exact amount that I have repaid so far. Nonetheless, my calculations indicate that I have paid more that {$32000.00} on my school loans. However, their report shows that I still owe {$80000.00}. In other words, despite my re-paying more than {$32000.00} on this loan, my principal has only gone down about {$4000.00}. 

When I took these school loans it was my understanding that these were low-interest loans guaranteed by the federal government. I know many people have defaulted on their school loans, but I am not one of those people. I paid the required payment every month for many years. I just want my original loan amount calculated correctly and repayment be made fairly, in accordance with the intention of the loan programs. It seems to me that Navient has abused its responsibility to the students and the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-02-13
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/22 XXXX purchases a blue bird card for personal use when I informed the rental company to Charge the card on XX/XX/22 I was informed the card was Declined. the next day I spoke with XXXX about the situation I was told it was Declined cause I use it Immediately. I then stated whats the Use  of purchasing a Prepaid card for if you can not use it immediately thats the Purposes. then XXXX Pretend to contact the company told me on that day the company said Since I was using the card immediately it would take 30 days? Still no reimbursement pass 30

Company response to consumer: Closed with explanation