BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX or XXXX / 2022 I called use bank and told them I left my wallet and phones at jewelry shop in the XXXX XXXX located in California I told the because I do not have my phone with me so when I`m trying to login to my online banking to check the activities It s asking for a pin for verifications which it send to my phone so I do not have my phone with me so I cant check my online ban king or I wont get notification if there are charges on my account. I called them during night time lets say between XXXX till XXXX because when I went bacK to get them the mall was closed. 
they customer service refuse to block or put a hold on my account and they told me if something happens you can dispute the transaction! 
there where almost about XXXX worth of transactions on my account I called them on Monday and dispute those transactions after 2 months calling them regarding my case status they were keep saying it s been under investigation! 
and when I called last time the supervisor called me back and told me next morning they will credit it back to my account. they did 2 wire transfers each about like XXXX from XXXX XXXX  and that was wired usually you get refunded by each transaction not like full amount in once so then I was okey there have not refunded me the XXXX remaining balance so I waited two days and while I was waiting they called me and told me after 3 months investigating all those transactions are correct and they told me now I Owen them for those transactions which it was about XXXX so they took almost more then XXXX from my account and they put XXXX  negative balance on my account and then blocked me from online banking so I lost almost XXXX over there and I had to wait 3 months for them to refund me the XXXX which they did XXXX and retook it right after 2 days and closed my business account then every month they called me and harassed me and Now I`m keep getting letters from Debt collections. because of their actions I lost my time lost money and after that I could not open up another bank account for my business .please help me out to resolve my issues all my calls are recorded with them so I`m at the right side I have not done anything wrong and they just used their power and did all those stuff to me.Please help me out if it s possible to save my money and account. 
thank you my name is XXXX XXXX and my company name was 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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Last name is XXXX. TransUnion is refusing to update my last name from XXXX even though I have called numerous times and have provided all documentation they requested and last I spoke with TransUnion they said they could not update it. This is frustrating that I can update my own information to be correct

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 2023-10-10
Company: Collection Management Holdings, LLC
State: TX
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:
1. XXXX XXXX XXXX XXXX 2.Collection Management XXXX 3. XXXX XXXX XXXX XXXX BE ADVISED, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but A request for " Validation '' made pursuant to the above-named TITLE and Section. I respectfully request your offices to provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices keep reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX AND XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. You are in VIOLATION OF the Fair Credit Reporting Act, VIOLATION of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER ( per se ). These Accounts are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
I have XXXX fraudulent charges. 

XXXX ) XXXX XXXX credit card : A charge in the amount of {$570.00} was made on my XXXX XXXX card at their XXXX, IL store. I notified XXXX XXXX on XX/XX/23 and received a letter dated XX/XX/23 via email concerning the fraudulent charge. The letter states an investigation is ongoing and will be notified in writing of the results. XXXX  IL is about XXXX miles from my home in XXXX, IL and I have never visited this location. I closed the account on XX/XX/23. 

XXXX ) I pulled up my credit history via XXXX credit services on XX/XX/23 and noticed a charge from XXXX XXXX XXXX XXXX in the amount of {$1100.00}. They advised the account was opened on XX/XX/23 but could not tell me where the charge was made. They do not have an open account with my name associated with an account. I cancelled the so called account with charges and advised they are fraudulent on XX/XX/23. They will send me a letter and I asked their their fraud protection personnel call me to discuss where the charges were made.

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 2022-08-12
Company: GLOBAL SOLUTION BIZ LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Detailed personal information was sent to a third party via text suggesting further legal litigations due to the Alleged Allegations of the ( intent to defraud a financial institution )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received my credit report the beginning of the new year and notice somethings reporting in error. XX/XX/2023 I sent out letters to XXXX, XXXX, and XXXX regarding inaccurate and unknow items on my credit report. The following month on XX/XX/2023 I sent out certified letters to both Credit Service Company INC and Envision imaging s XXXX with no response from Envision imaging. After feeling helpless and ignored I did some research and found out that section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately removes this item from my credit report. It has now been well over 30 days which means it needs to be deleted promptly. I demand this account to be removed immediately or I will have no other choice but to file litigation due to the stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
During the covid 19 pandemic my work hours where cut and i was struggling with paying all my bills. Credit cards, House, Car etc. so i had to pick and choose what bills i was paying that month. 

Bank of America card, was hit the hardest i was making my payments all of XXXX, XXXX XXXX is when i started to have issues with paying it. all my cards are now managed by a company and being paid on time. i would like to remove all my late payments for this account as it was due to the pandemic, my account was in good standing before the pandemic and remains to be paid monthly now. 

XXXX XXXX Credit Card, that was paid late due to the pandemic XX/XX/XXXX and XXXX XXXX account was in good standing before pandemic and is currently still getting paid by a dept management company monthly. 


as you can see on my credit report, all bills are no longer being paid late, as the only time i had to pay them late was due to the pandemic. 

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 2023-07-09
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 status incorrect

Complaint:
I have been battling with the 3 credit bureaus, Experian, XXXX, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This issue goes way back to 2017 of XXXX and maybe a 1 time after that and now I am tired and have figure it out on how I can take my matter to a higher level to get resolve.. My complaint is against Fed Loan Services- student loan. 

I have contacted them many times in the past regarding my student loan account. I have requested for FedLoan Services to send me a bill each for my interest that is accruing on my account each month that is not being paid by the government. And they claim they can not provide me with that, in which I find that very unfair that Fed Loan Services can charge me interest and they can not provide a monthly statement of my interest. I have never heard of such thing, if a consumer borrow money from any financial institution then it is the lender responsibility to provide that borrower the not just a statement showing the amount owed ( all added up into one balance ), but the lender must be able to provide a statement showing the monthly amounts itemized out on the statement. Just like on a credit card, the creditor provides a monthly statement with current balance that includes any recent charges including the interest that was charge for that month 's period. As FedLoan Services continues to adds interest to my student loans accounts along with reporting the added interest to the credit bureau showing that my balances on my loans are increasing, which can and is causing a negative effect on my credit utilization on my report, which in terms affects my credit score. So therefore, FedLoan Services needs to provide me with a monthly interest statement showing me what interest has been added to my loans for that month. It is not my job to be their computing system and calculate my own interest every month, they need to do that and providing a lump sum total of all my interest with showing me the interest for that months period is not sufficient. As a lender FedLoan Services is supposed to provide accurate, detailed, itemized information to the borrower. I want to know every month, not every three months, because FedLoan Services reports to credit bureaus every month, so therefore I want to see it every month what the amount of interest that is being added to my account and I want to see it on my statement separately, so that it can be paid monthly. I will not do their job for them, because it's not my job to do its only knowledge for me as consumer/borrower if indeed I wanted to know how my loans are being calculated. And I believe they have a duty to me as a borrower to provide me with a clear statement every month I am being charge interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Advance America, Cash Advance Centers, Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a payday loan in XXXX or XXXX of 2019 with Advance America. It was for XXXX dollars or something around there. Before I can get into the store the follow week they charge my bank account by running a check which XXXX covered and I went negative giving me overdraft fees. We'll told them to not do it again I'll be in next weem to repay the loan I had to retake out the loan and add extra money with it to cover XXXX overdraft fees. Next week I come in pay off the loan plus interest little more than {$400.00}. We'll even though I made the payment and paid it off they o erdraft my XXXX account again over {$400.00} and I'm negative close to {$500.00} in my XXXX account because overdraft fees. The company pulled out of XXXX XXXX, Virginia and I tried to get my almost {$500.00} they stoled buy I couldn't as they no longer did business in Virginia. I couldn't paid the XXXX overdraft it went on my credit. I was not able to open a bank account sinc its on my check credit history too I couldn't pay. It cost me around {$1800.00} in total time and money along with damages Advance America done with this little XXXX dollar payday loan I paid them back with interest yet they take more closing my XXXX account and hurting me still till this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$3500.00} I need help undoing all of my name accounts, suspended credentials, or any errors. I want to remove everything that hurts my name XXXX is asking me to pay {$3500.00}, but I didn't know how to remove it from my name. It's been a year and a half, and I couldn't remove it. My name is damaged because of them. I want help.

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 2022-03-11
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into Covid related deferral with Umpqua Bank. They are now reporting that my mortgage balance went up by XXXX for a six month deferral. I was under the impression that a deferral postpones payments until the maturity of the loan. When in fact it is interest only put on the end of the loan. My total balance went from XXXX to XXXX and hit my credit for 20 point loss.

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have reviewed my credit report and found that the inquiry on XX/XX/3023 was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Nothing has been resolved, every response is the same. It's like they have a AI bot doing the resolving. They are using stalling tactics, I'm using a third party program to handle my disputes that is open to the public. Every letter and email is authorized by me, all letters that are written and sent are all authorized by me with full blown photos of my ID and Social.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Tring to link my account with XXXX XXXX XXXX XXXX/website and it will not allow me. please fix this! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reached out to the companies to try and get them to delete said debts off of my credit reports as they were not authorized by me to report anything to my credit reports. I did not sign any contracts nor do I owe any debts to this company. 


ERC- {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Cares Act - Due to hardship of Covid 19 lock down iam struggling making my mortgage payment On XX/XX/2020 I received a letter from my mortgage company stating a Temporary hardship forbearance plan agreement, in which I was not involved, neither I spoke to them on the phone, neither I agreed to this plan. it was a 3 months deferred with the due date of XX/XX/2020, paying the total amount of XXXX. 
during this time I continue struggling and making my mortgage payment on time. 

On XX/XX/2020 I Email them a letter requesting and demanding for Request for Paused Reamortization Mortgage Forbearance in which I stated to inpound payments for insurance and property taxes and that the accrued interest to be added to the principal balance and to be amortized over the remaining period of my loan, pursuant to federal law. 

I also ask to provide written confirmation of receipt of my request, which they fail to do so, until I contact them XX/XX/2020 and they acknowledge receiving my email and promise to look in to that, and no contact. 

on XX/XX/2020 I contact them requesting againg a resolution in writing and the answer was No that they are not offering any other mortgage relief due to covid 19. they refuse to do it in writing,

Company response to consumer: Closed with explanation