BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid XXXX and was up to date with my payments at which point I starting having issues with the service. I called XXXX to resolve the issue. They even provided me with the date and time someone was coming to resolve the issue. No one to this date has showed up to restore service. For several weeks I was without service to function as a business. XXXX  could not reach me, I could not service any customers. This was during the holidays XXXX XXXX XXXX XXXX and several customers needed XXXX XXXX XXXX. My only solution to this problem was to go back to my previous provider. XXXX did not even take my calls when I tried to reach them after they told me they we sending someone. 
After several weeks I finally got someone on the phone in customer service. I explained the situation and told them I wanted to find out how to return the equipment and phones. I also asked if there was anything further I needed to do. I was told no and I would be receiving the label in the mail to return the phones and equipment. When I didn't receive the label after several weeks, I emailed the account manager. He tried to reach out and was not successful. He then said I could take the phones and equipment to the store. I took the equipment and phone to the store and the associate on duty told me I would have to keep it because I already paid for it. I emailed the account manager and he said that was not correct so I went back to the store and returned the equipment and phones. 
XXXX is seeking to bill me for service I did not received. They seem to have taken back credit they gave prior. I have never received such horrendous service with any company other than XXXX. I have received letters via mail from waypoint and have responded, but I still continue to receive these letters in the mail

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 2023-04-28
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a phone call from XXXX at XXXX. I was in a loud place so I kept saying hello. A lady told me to lower my voice in a rude tone. I told her not to speak to me in that deragotory manner and she ultimately called me a XXXX. She never said a name of who she was looking for and was very aggressive towards me from the onset. I called back and demanded that all calls be stopped unless they behave in a professional manner. Secondly they behaved as if they had a right to threaten and harras me because they think I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XXXX XXXX sold us a XXXX XXXX XXXX XXXX We had informed them that we would finance it with them and refinance the next day with our credit union, due to them being closed for the day. We were told that was no problem. Fast forward to the finance office, everything is complete and signed at 7.79APR for 72 months. After we were leaving they told us we can not refinance for 3 months, which was not at all what we were planning on doing. We knew we could get approved at our local credit union around 3 %. After the 3 months the interests rates went so high it didnt make sense to do a credit inquiry for a refinance. 5 months after the purchase we were told by another dealerships finance manager that used to work at XXXX, that he was lying and the dealers make a commission on financing in-house, so if you refinance they dont make the commission. We reach out out to the finance manager from the original purchase via text and he now stated we had to wait 6 months to refinance. After this I read thru my contract and it revealed there is not prepayment penalties at all, and we could indeed refinance at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have oppen accounts that are not mine and there's dep that are not mine never had a XXXX XXXX card and southwest company I'm unknown about

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Income-Driven Repayment Payment Plan in XXXX was : {$27.00}, XXXX I Now Owe {$32000.00} Navient has managed to accumulate unfair interest on my account since XXXX. 

Upon speaking with their rep today, I was told about capitalized interest, and was charged 3 separate payments on XX/XX/XXXX in the amount of {$520.00}, instead of one-time capitalized interest fee sent every XXXX. Upon bringing this up, the agent stated that I was only charged an interest once even though I could see three charges for said amount. I was then placed on hold on XX/XX/XXXX in which the other two amounts were removed with no claim of fault from navient after the hold. 

To follow up, I brought up a capitalized interest in the amount of {$180.00} on XX/XX/XXXX. Which made no sense because I've never once missed a payment even though my amount is based on my income. I was immediately told by the rep " it's likely i missed a payment '' and of course that wasn't the case, because I was then placed on hold for over another hour just to be told that they would be investigating why that amount appeared on my account because they didn't know. 

THIS IS BAFFLING!! 

Upon calculating all accrued interests since XXXX, I'm baffled that the calculation of what I owe is {$30000.00} and not {$32000.00} as stated. 

I will like to be a part of suing this company for their false practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received an email ( in the middle of the night ) stating my online application for a new Bank of America checking account was in process, then received subsequent emails about my application, verifying email, etc. I called Bank of America Fraud department and opened a case the next day, was given a case number, and told this happens often but they would follow up. I froze my credit and put a fraud alert on my credit/SSN to be proactive. I never heard back from BoA. A month or so later, I got a bank statement for this account ( no activity on account ). In early XX/XX/XXXX, I had the same issue with opening a fake account in the middle of the night. I went to my local branch and they were not very helpful, stating I could not have any additional information on the account since I didn't open it. The branch manager said this happens a lot and the fake accounts are typically closed before the consumer is even aware that they were opened. OK, just a necessary evil it seems, especially since the accounts never have any activity ( no deposits or withdrawals ). Now on XX/XX/XXXX, I get yet another notification of a new account. By now I am desensitized and think these accounts will eventually just go away, so I ignored the email. Today I received a debit card for the account. I'm tired of wasting my valuable time pursuing this. If I call, it's at least 30 minutes to explain myself to the new person I've never talked to. If I go in, they give me no information. I have never received any follow up from the fraud case I have opened with them. I can not believe they can not block my social/email/something in their system for opening new accounts, as I will never knowingly do business with them after this.

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2022-09-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$510.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX XXXX Amount : {$0.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$18000.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 the case of all three credit reporting agencies ( XXXX, TransUnion, and XXXX ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX credit report 3 times for the same application. XXXX were in the same day, but it was their automated system that I didnt authorize to run my credit report XXXX in the same day. The third inquiry for the following day should be the only inquiry on my credit report.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  accounts XXXX, XXXX, XXXX, XXXX, XXXX and 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or consent.

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 2016-08-11
Company: Merchants Credit Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Merchants credit bureau XXXX Georgia is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removal..experian has it listed to be removed XX/XX/XXXX and XXXX shows they reported dofd XX/XX/XXXX..collection agency stated it will remain on there till XX/XX/XXXX.. This from a fire utility company who in XX/XX/XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with county tax.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XX/XX/XXXX and they claimed it was a different account but impossible ..I 've only lived in one place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XX/XX/XXXX showing fire was included in taxes beginning that year. I can furnish more if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a Bank of America XXXX XXXX XXXX Credit Card and was offered {$200.00} if I spent {$500.00} on this line of credit during my first 90 days of being a cardholder. Because of this, I ended up financially stretching myself because I wanted to receive the sign up offer. After completing the qualifying purchases and verifying with a banker, I was told the sign-up bonus was inbound. Of course, I never received it. I have contacted numerous BofA branches and they act like they do not know what I am talking about.

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 2017-03-18
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been trying to find out information in regards to a joint consolidated student loan that happened back in XX/XX/XXXX when I was married and everyone that I have spoken with so far is not able to retrieve this information because of this dating back to XX/XX/XXXX. I would like to find out the status of this loan because it 's only showing in my name. The loan was through XXXX College and it shows that XXXX loan is paid in full but there is this loan that is under my name and I 'm not sure what this loan is. I would like for someone to give me a breakdown of all and any loans that are in my name and how this happened. Thanks in advance for the help that you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with CAVALRY PORTFOLIO SERV on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A Consent Order ( File No. 2017 XXXX XXXX  ) was administered in XXXX and directly effected me and my family. A small monetary compensation was provided but I am still feeling the effects three years later, however it is correctable. The inaccurate credit reporting lead other creditors to lower credit limits, increase interest rates, decline mefor credit, etc. Therefore, even after the consent order was complete the effects are still impacting me. If I can step by step rebuild where I was before this catastrophic financial event. My request is to increase my credit limit to where it was prior to this which was {$7900.00}. Currently, it is {$6100.00}. This decreases the usage rate which impacts my credit score which makes me as creditworthy as I was before this error documented in the consent order took place.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  XXXX XXXX XXXX opens XX/XX/XXXX I was medically affected financially by XXXX I have sent proof which is medical documentation of what was going on. There is an FCRA law that is being violated please remove any delinquent payment as I faced financial hardship reduced hours and being forbidden to work when I came in contact of anyone with the virus as well as I was medically test Positive with the virus which caused other medical issues during this period which caused me not to be able to work which cause a reduction in my financial history starting XX/XX/XXXX up to XX/XX/XXXX medically XX/XX/XXXX to XX/XX/XXXX financial impact due to financial hardship due to reduction in business and hours at my job impacted as the law sates as following 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX XXXXXXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

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