BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an email from Bank of America on XX/XX/XXXX stating that I was approved for a credit card that I never even applied for. I then received a text on XX/XX/XXXX stating that my application had been approved and my card would be sent out shortly. Today ( XX/XX/XXXX ) I got an email again from Bank of America stating that my credit card would be sent to my home. At no time did I ever inquire or apply for this Bank of America credit card. I will follow up with the company as well regarding this issue. I am concerned because I have heard recently in the news that Bank of America has been in trouble for doing this to other consumers.

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 2022-10-11
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: LEXISNEXIS
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:
My loans were paid off completely by XXXX of XXXX. On XX/XX/XXXX I called XXXX inquiring about my qualifications for receiving the student loan reimbursement that I understood I could qualify to receive after the Biden-Harris administration announced the Loan Forgiveness. I had completely paid off my loans during COVID-19 pandemic and for this reason, and given that I received a Pell Grant in the past, the person I spoke to on the phone stated that when verified, the aforementioned would qualify me for this refund. The person never counseled me on the fact that to receive this refund, that would mean completely reopening 19 loan accounts in my name and report them to the credit bureau. She only very casually mentioned that I could see a balance in my account but to not be worried about it because this was part of the refund. 
Months later I get a random deposit of XXXX from the Department of Education and when I call them, I find out I owe XXXX on my student loans and that money is for me to pay it back. This is completely nonsensical as I did not owe a single cent. I have been blindsided and now my credit reports shows a sudden opening of loan accounts and my car insurance has raised my car insurance because of this. I will take the necessary action to get the accountability from XXXX as it is my consumer right to be informed of something that will be opened in my name and reported to a credit bureau Pertinent Dates : XXXX XXXXALL student loans fully paid off XXXX-Spoke to XXXX rep regarding student loan refund XX/XX/XXXX -- > Received XXXX from Department of Education without any written notice explaining what money was for a XX/XX/XXXX -- > Spoke to XXXX rep who disclosed they had in fact reopened my loan accounts. Realized at that point that I was misinformed by them and that they had without my consent reopened my loans XX/XX/XXXX -- > XXXX XXXX sends me a letter letting me know I no longer qualify for my previous rate based on Credit Reports XX/XX/XXXX -- > Sent LexisNexis Consumer a request to see what they had reported to XXXX XXXX that affected my Car Insurance XX/XX/XXXX -- > realized there are 19 new loan accounts opened in my name by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2023-09-26
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of fraud / theft. Also, This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate invalidated credit information. Im not liable for this debt with XXXX. I do not have a contract with a collection agency. They did not provide me with the original contract as requested. I demand this account be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last week I received a phone call from my parents who live 500 miles away. They indicated they received a letter from XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and it indicated a owed a debt from XX/XX/XXXX, which was a result of a parking ticket. The letter indicates I have 30 days to respond prior to taking action. 

My issue is that the debt is too old to be collected as California statute of limitations on debt is 4 years and 4 years had passed prior to the date the Notice was sent to my parents house. The debt is so old that it creates prejudice in my defense of the debt, since I don't even remember where and what I was doing on XX/XX/XXXX, I don't own the car in dispute, and there is no way I can recollect enough detail to provide an adequate defense. Finally, the letter was sent to the wrong address. If my parents had not called me, i would have no idea this was happening. Notwithstanding my parents notifying me, sending the letter to the wrong address has significantly shortened the time of which I can respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Last 4 of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, La XXXX Employer : XXXX XXXX XXXX XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement for your verification. 
Best Regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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 information incorrect

Complaint:
In XXXX, we obtained a loan in the approximate amount of {$260000.00} through XXXX XXXX XXXX secured by our principal residence at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. From loan inception until sometime in XXXX, the loan was serviced by XXXX XXXX. We set up auto-pay through XXXX XXXX XXXXXXXX paying : {$2200.00} ( principal and interest of {$170000.00}, plus {$500.00} additional principal ), then in XXXX, {$2500.00} ( principal and interest of {$170000.00}, plus {$700.00} additional principal ), then in XX/XX/XXXX, {$3000.00} ( principal and interest of {$170000.00}, plus {$1200.00} additional principal ). 

In XXXX, XXXX took over as the loan servicer. Instead of applying the additional as principal pay-down, XXXX applied the additional principal payments towards future loan payments due. In XX/XX/XXXX, I noted the next payment was not due until XX/XX/XXXX. I immediately contacted XXXX explained the situation and was assured it would be handled. Email dated XX/XX/XXXX from XXXX attached. 

Unfortunately, it was not handled. XXXX did not auto pay itself for XXXX. 

XXXX XXXX has a credit score service that allows members to check your credit scores periodically. Our credit score went from XXXX in XXXX and XXXX in XXXX to XXXX in XXXX. It has taken us our entire working lives to build a credit score of XXXX. According to the credit report, there is only one reason for the credit score to a fallen XXXX points. 

I have contacted XXXX on two occasions. On each occasion the XXXX representative acknowledged the error and advise that it would correct the information to the credit reporting agencies. XXXX has done nothing in terms of submitting any information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I originally was paying payments through XXXX for a private loan in XXXX and XXXX for the amounts of {$1500.00} with an interest rate of XXXX , % {$9000.00} with an interest rate of 8.250 % and {$7400.00} with an interest rate of 10.750 %. I had paid on time until the loans were acquired by Firstmark in XXXX. I have paid over {$6900.00} in that time on time and without issue.and requested a refinance of the interest to the 8.250 % where they informed me that was not possible as they were not the ones to issue the loans even though they are the ones collecting on them. I have gone from {$19000.00} to {$12000.00} in 8 years this is just 35 % of the overall loan owned and I have paid off my other loans but Firstmark is the only company that will not assist in lowering the interest. In XXXX of XXXX a credit of {$3.00} was applied for an on-time payment incentive that was not applied at the time of the incentive should have been awarded. This amount was added to the principal balance to the account for the additional month I should have had the incentive, in 8 years and maintaining my payments timely, that is all I had removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Chase credit card on which I am carrying a balance at a 3.99 % promotional rate for life. I made several purchases before XXXX on the Chase card at a rate of 14.25 % for new purchases. So as not to incur interest on those new purchases I made a payment equal to the Minimum Payment due plus an amount to equal the new purchases I had made, with a little extra for any interest that accrued since the date of my purchases. I did this for XXXX pay cycles to make sure there was not a balance under New Purchases at 14.25 %. It is my understanding that all monies paid over the minimum due will be posted to any purchases at a higher rate. It was not. 
Chase says even though I had made the purchases and those purchases were being charged 14.25 % from the date of purchase the full amount of my excess payment was not applied to the higher interest rate because it was not part of the previous Billing Cycle. XXXX, the account XXXX for Chase, admitted that the new purchases were on my account, when I made my excess payment, and that I had been paying the higher interest rate on those from the date of purchase, but XXXX said that the full excess payment was not applied to the higher interest purchases because the charges were not included in my previous billing cycle. XXXX said " it was the law ''. 
I am currently still paying 14.25 % on a balance that should not be there. I followed the rules as they were explained to me by a Chase representative and got screwed. 
I am contacting my Congressmen in hopes that this will stop once and for all. 

Had I waited for the new purchases to hit the new billing cycle I would have paid even more interest. Is this the way the new financial rules are suppose to work? More interest for the banks?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, Consumer Financial Protection Bureau, my PayPal account can not be linked to the bank and the withdrawal balance. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX AZ Account/Reference # 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 2022-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX and it has not been corrected on my Experian report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP 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 2023-03-20
Company: CrossCountry Mortgage LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
They charged me {$680.00} for an appraisal ; I asked them not to do this until the loan went close to its conclusion. 
They lie. 
When he couldn't get the loan to go through, he " ghosted '' me. 
He lied about FHA regulations. 
He was generally unethical. 
I hope he did not charge me for the homeowner 's insurance I didn't get on the loan that I didn't get. 
This guy is just plain sleazy and unethical. 
Here is his information : XXXX XXXX Inside Loan Originator XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX crosscountrymortgage.com/XXXX XXXX  XXXX badge XXXX CrossCountry Mortgage, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Personal XXXX Branch XXXX Company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
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. 

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 explanation
Consumer complaint received 2021-06-15
Company: Affirm Holdings, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 @ XXXX PM - I received the following notification from " AFFIRM " - ( via email ) regarding an investigation I requested of an unauthorized account. However this account is still negatively reported on my Credit report as of XX/XX/2021 and is impacting my credit score negatively. As a result, I can not refinance my house or car, My Homeowners insurance rates have increased and I have been placed in a status for potential non- renewal, My credit account limits have been reduced, and I can not write even write checks at the grocery store. 

The Email Reads : Hi XXXX, We are writing to you in response to your unauthorized dispute claim and have completed our investigation. Our review has concluded a resolution in your favor. Rest assured, you will not be held responsible for the Affirm loan ( s ) made in your name and the loan ( s ) will be removed from your credit report in our next reporting cycle. Please note most updates take 30-60 days, but in some circumstances may take longer. 

We have also placed restrictions on this Affirm account from obtaining any future loans. 

We sincerely appreciate you contacting us regarding this unauthorized activity. We apologize for any inconvenience this may have caused you. Please do not hesitate to contact Affirm again with any additional questions you may have. 

Best Regards, Affirm Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for Transunion, XXXX, XXXX and 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 2022-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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:
there is an unauthorized credit enquiry by XXXX bank on XX/XX/22 on my credit report. please investigate and remove this enquiry because it was done washout my consent, thank you.

Company response to consumer: Closed with explanation