BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: OR
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 Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-03-11
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
While I was attending the University of XXXX for 7 years I obtained Student Loans. I graduated in XX/XX/XXXX. I did not have Navient as my loan carrier I had XXXX. XX/XX/XXXX I had begun a BK but did not complete it. XX/XX/XXXX navient said I owe XXXX well My loans are like 15years old and I had them paid down to XXXX. I attempted numerous times to ask how they obtained my loan and why it was so much, but no one could explain to me the reason except that is just the way it is. It is very upsetting when you feel you have paid down a debt only to find out it has increased. 
I have worked 10 years in a rural setting. I feel I should have my loans forgiven. 
Please assist me. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
When I received notice that my AAA Financial Service 's Visa card would soon become AAA XXXX XXXX XXXX card, I thought nothing of it ; that it was merely a name change. Bank of America ( BofA ) funded this card that I had possessed more than 20 years. It had a {$22000.00} line of credit ( XXXX important factors affecting XXXX XXXX! ) XXXX XXXX XXXX  issued AAA XXXX XXXX XXXX, which I perceived as a sale of my debt to XXXX XXXX Bank ( XXXX. ) This sale took form in latter XX/XX/2022 ; the cutoff date for stopping usage of Bof A 's card would be XX/XX/2022. My son, is an authorized user of my account, and a heavy user. I had closed a couple of store credit cards that were issued by XXXX  because the high rate of interest didn't make it conducive to use their card when I had others. So, as the deadline neared I called BofA and requested they close my account and allow my son to payoff the balance which was approximately {$10000.00} at that time. Even though he was current and hadn't experienced late payments that I had been made aware of as primary holder, BofA denied the request. However, they agreed to open another account and transfer the balance of the {$22000.00} credit line to the new card. In addition, the new card offered a 0 % promotional rate for 18 months, but the new rate would be 25.99 %. The new card was mailed to me XX/XX/2022. I immediately called my son and asked him to hold off making charges on the soon-to-be old card until the balance could be transferred from XXXX, saving {$100.00}, XXXX of dollars of interest payments that would decrease the debt 's balance instead of compounding it. In, the meantime, XXXX issued and sent two of their cards with different card numbers-one with my name on it ; the other with my sons. They arrived around XX/XX/2022 ; I delivered my son 's to him and I put mine away because I knew I would never use it I know I am responsible for the debt accumulated by my authorized user if he defaults. This complaint is an attempt to ameliorate the risk. XXXX has placed all of the charges my son has on their card plus some that were charged to BofA 's old card before the cutoff date. My cards ( both new BofA 's and XXXX  's ) were not activated until XX/XX/2022 The closed BofA 's statement can not be requested in order to determine if the correct amounts of Balance of account and remaining Credit lines are transferring to the new BofA account. When I call BofA, XXXX customer care number the XXXX, XXXX account number is the only number asked for! Sounds like the accounts, new BofA 's and XXXX, XXXX, especially mine, XXXX, XXXX number, are linked.

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 2022-03-21
Company: Experian Information Solutions 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:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-21
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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2018-09-10
Company: Army and Air Force Exchange Service
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I submitted a request to Military Star Card, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). On XX/XX/XXXX, Military Star Card, denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of active military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX military service, it is still considered debts incurred prior to the current period of military service ( XXXX ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX XXXX XXXX ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.

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 2018-09-10
Company: Seterus, Inc.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, I reinstated my Seterus loan by making a payment of {$370000.00}. This reinstatement amount included past due taxes on the property for an amount of approximately {$250000.00}. During the reinstatement process, I questioned whether the {$370000.00} payment would bring my escrow account to a {$0.00} balance. Seterus responded that this indeed was the case. 

The following month, I received a statement from Seterus stating I have a negative escrow balance of {$140000.00}.  BetweenXX/XX/XXXX to XX/XX/XXXX, I have contacted Seterus via the telephone and in-writing to request a Forensic Audit of my escrow account. Seterus did respond ; however, they did not address the issue of the {$140000.00}. They simply provided details of all the payments that have been made from my escrow account. 

On XX/XX/2018, I contacted Seterus and spoke to a Customer Service Ambassador ( XXXX XXXX ) and she acknowledged that there indeed is an issue and she would take it upon herself to research the issue and assist me in seeking resolution. She indicated that she would follow-up with me in a few days to provide an update. 

Between XX/XX/2018 and XX/XX/2018, I have called multiple times requesting that XXXX contact me. I have yet to receive a response. On XX/XX/2018, I spoke to a Customer Service Manager ( XXXX XXXX ) and she offered to research the issue and follow-up with me. XXXX did indeed do some research and she landed at the same conclusion that there is an issue. When I questioned next steps, she simply stated there is nothing that she can do. 

With further research, I have also determined that my reinstatement amount of {$370000.00} included penalties and interest for {$70000.00} while I was making payments in a timely manner. Since I was on-time with my payments and since I paid the amount to Seterus, I would like a refund of the {$70000.00}. 

Seterus representatives have no interest in assisting me seek resolution to this issue be it over the phone or in writing. I am amazed by the lack of Customer Service by a company that prides itself upon being a XXXX subsidiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: AR
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 sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and need to remove : 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 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 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 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 2022-03-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-05-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with comenity and I paid the balance off in full in XX/XX/2023 then I started receiving collections calls the calls were even going to my husband that had no relationship with this credit card in no way ... they proceed to harass him and gave him all the information about my credit card and that I owe a balance. I picked up his phone to answer this call one day and ask for them to put his number on the DO NOT CAll list because there's no way they should be sharing my info..I eventually spoke with a representative on the week of XX/XX/2023 who assured me that the balance was interest and late fee after the payoff.she assured me that her manager will bring the account to XXXX and close the account but instead she only refunded one late fee and sent my info to the credit buearer which impacted my credit negatively and as a XXXX XXXX this is not good for me professionally. I constantly tried calling the number on the back of the credit card which always cuts off and no representative is available.XXXX ( XXXX ) XXXX ... after built up frustration I called the number that called my husband 's phone and spoke with a gentleman on XX/XX/2023 which was so rude ..I asked for him to pull the phone conversation for the week of XX/XX/XXXX so that they could see that the representative assured me that the balance was brought to XXXX and that I would receive a confirmation in the mail ... he said he can't check the phone conversation but he'll ask his manager to check and in the meantime I have to pay the balance ... mine you I already paid over {$2000.00} to payoff the credit card ... I asked to speak with the manager then he hung up the phone ... while I'm here suffering because this was reported on my credit and dropped it drastically..please help because I have no money left to pay on this credit card and to my dismay the customer service number on the back of the card doesn't even work... I feel like I'm being scammed and swindle the credit card is called Comenity and the number on the back of the card is XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-27
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I AM COMPLAINING AGAINST PROVIDENT BANK FOR HOLDING MY FUNDS FOR THE AMOUNT OF {$59.00} I AM NOT A CUSTOMER WITH THE BANK ANYMORE MY ACCOUNT IS CLOSED WITH THE BANK, THE MERCHANT XXXX HAS ALREADY SEND THE BANK MY REFUND AND THE BANK ACCEPTED THE REFUND BUT THE BANK IS NOT RELEASING MY FUNDS BECAUSE THEY ARE SAYING I HAVE TO WAIT 45 DAYS BECAUSE WHAT IF THE MERCHANT CLAIM THE FUNDS BACK WE DID THREE IN ONE CALL XXXX TOLD THE BANK WE ALREADY REFUNDED THE CUSTOMER HER MONEY BACK WE CAN NOT TAKE THE MONEY BACK ITS THE BANK RESPONSIBILITY TO GIVE ME MY MONEY BACK ASAP BUT INSTEAD THE BANK IS MAKING ME WAIT FOR MY MONEY FOR 45 DAYS WHICH THE MERCHANT ALREADY RELEASED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
On XXXX  I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXXXXXX XXXX properly investigated this account because there are obvious inaccuracies. 

First off, the Account Number does not match. Equifax is reporting XXXX while XXXX and XXXX are reporting XXXX. If this has come from the same furnisher there is no way the Account Number can be different. 

The date of the last activity does not match- Equifax is reporting the date of the last activity as XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment does not match- Equifax is reporting the date of the last payment as XX/XX/XXXX while XXXX and XXXX XXXX reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of the first delinquency is wrong as well as manipulating the statute of limitations. 

Equifax is reporting a monthly Payment on a charge-off account- It is to my knowledge that a charge-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

XXXX XXXX XXXXXXXX has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too XXXX XXXX XXXX has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.

Company response to consumer: Closed with explanation