BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX I tried to unfreeze my credit to lease a car. I was unable to get into my account with my user name and the 10 digit pin I had. The last time I had unfrozen my account was in XXXX. I tried forget password and user name and both were unsuccessful as was the alternate way of identifying myself. 

I tried to reach customer service on the number supplied on their website and it was automated. When I asked for Customer Service they said none was available. I also tried calling several other Experian phone numbers with the same results. I did this for three days assuming they were having issues and never was able to speak with anyone. 

The car deal was going to expire this week so I didn't have time nor should I have to write a letter to unfreeze my account which I originally did online. 

I checked with other people I know who had their accounts frozen and like me did it 5+ years ago and they also could not get in. It appears that Experian changed their login user names and stopped using pins and did not notify anyone nor did they allow you to use an alternate way of logging in or display a message at login time telling you to create a new account. 

I ultimately tried creating a new an account and it correctly brought up my personal information and allowed me to temporarily unfreeze the account. Why weren't we notified if old accounts were activated and that we had to create new ones? 

I was trying to do the responsible thing by freezing my credit. It is unacceptable for the company that controls our credit does not have a reachable customer service team. 
People getting apartments, jobs or lines of credit could lose out if they can't quickly unfreeze their credit. 

While I was ultimately able to figure this out on my own and get into my account, it was a very stressful three days and I know other people are in the same situation. Experian needs to take responsibility and make customer service available to people who can not access their accounts especially when they caused the problem.

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 2023-11-27
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company doctored original billing statement after notifying them of inaccuracies. They refused to remove acct from my credit profile for years causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I enter a debt solution program tower loans of XXXX al is on there list in the program we are doing what was instructed and have give them the number to contact they have constantly calling and even come to our home and served papers the was not served to me was just hand to someone at our home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America is the worst place for customer service and financial assistance. I had a call with a specialist in Bank of America to close my credit card account after I paid off my credit even though my financial difficulties according to the laid off from my employer. On the next days I shocked to see an interest fee and when I called to check what was the issue the answer was terrible and not logic at all. I knew recently that back of America did the same with a lot customers and now there is a lawsuit against this bank!!!

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 2023-11-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Date of application : XX/XX/2023 Name : XXXX XXXX XXXX XXXX ID : XXXX Bank : BMO XXXX I attempted to open a CD online with my wife. My application for the CD was denied and I was not given any reason or way to rectify the denial of my CD application. 

I have attempted to contact customer service to find out why my application was denied but i was told by the representative that the reason could not be given as to why my application was denied. Without knowing why my CD application was denied how am I suppose to rectify this issue?

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: AES/PHEAA
State: MO
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:
hello I registered for a school on around XX/XX/XXXX i was told i had to take a student loans with XXXX XXXX but before i started classes i enrolled i a program caLLed XXXX XXXX that paid for my entire program and i no longer needed the loans From XXXX XXXX. The school was told to return the money and i did not find out they had not returned the money sent on my behalf until i started getting letters a year or so later saying that i owe money. Well i called the school to find out why was i getting letters say i owe and they kept giving me the run around. This kept me from living my life i could not go to school anymore and it caused me to almost to go into depression..i finally got a financial aid rep to help or i thought and she said they made a mistake and that i they were waiting a response from corp to see what they could find and what to do. well after awhile i found out that they had no sent the money back like promised. I called again an got hold to a new FA administrator who was totally shocked to find out that the school had over XXXX just sitting there in my account she said she going to do everything in her power to help get this right. Because it was so long my account had interest and they said the could not pay that part which left me a balance so i had to make a settlement and it was paid with my tax return! now it being reported as failure to pay but it is paid.. the other is reporting late over 60 to 120 days but its paid ... one is reporting open and sold or transferred. the amounts for the XXXX XXXX are for XXXX and XXXX for XX/XX/XXXX i call XXXX XXXX and the credit to see if they would update my report to show it is paid if the could take in consideration that the school held the money without my knowledge and i asked if the would show that it is paid and not report negative on my report with no late payments they said they would if they could but is was not up to them. Please help! it destroying my credit. This is the same with the Dept of Education on the date of opened XX/XX/XXXX for XXXX balance updated on XX/XX/XXXX it reports legally paid in full for less than full balance but it has FP all the way across my history if it was paid why is it reporting as failure to pay i asked if the could mark as paid and also take in consideration the school withheld that information about them holding the loan and not sending it back knowing my schooling was paid for. There is another Dept of education neg marks for a paid in full account which reports for XXXX transferred or sold opened XX/XX/XXXX i just ask if u can help me get to report paid with no neg marks u r appreciated please help my thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Complaint XXXX  and XXXX  to XXXX and PennyMac XXXX XXXX XXXX On XX/XX/2016 I entered into securities transaction with undisclosed to me XXXX XXXX  who was acting via chain of sham XXXX XXXX XXXX XXXX who acted under name of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX which was renamed by XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX registered by XXXX XXXX as a single member LLC Another undisclosed to me part was originator XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX whom actor for hire XXXX XXXX, XXXX forwarded my information via secured website MSP I did not know anything about XXXX involvement as a services or its fictitious company XXXX or originator XXXX XXXX  As the result of this deception I signed promise to pay XXXX and mortgage to give XXXX access to my property as a collateral On XX/XX/2016 XXXX servicing hired XXXX XXXX XXXX XXXX XXXX to send me letter on XXXX  letterhead informing that XXXX dab XXXX  is my new serviced and directed me to send money to XXXX XXXX in XXXX TX XXXX XXXX where my money were collected and processed by XXXX, XXXX owned by XXXX XXXX, XXXX who deposited my money with XXXX  XXXX XXXX, owner of XXXX XXXX XXXX and XXXX XXXX who is a the 100 % owner of fictitious corporation PennyMac XXXX XXXX, XXXX incorporated as a separate entity by XXXX XXXX as a single member LLC On XXXX XXXX XXXX sent me a letter that my loan was transferred to XXXX XXXX dba PennyMac XXXX XXXX XXXX I started receiving letters and billing statements from XXXX, XXXX on XXXX XXXX company letterheads directing me to mail payments to the same post office in XXXX Tx where my money were collected and processed by XXXX without any references to XXXX XXXX XXXX XXXX to mention, PennyMac XXXX XXXX  XXXX co XXXX who fully own XXXX XXXX PennyMac is owned by hedge funds XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX died, but XXXX continued to demand from me money on his behalf On XXXX XXXX XXXX XXXX managed to initiate foreclosure in my home When I offereda total payoff for my alleged loan, XXXX XXXX directed me to send my full payment to XXXX XXXX XXXX in the account which routing number belongs to XXXX XXXX  XXXX XXXX, and without any return address to PennyMac XXXX services XXXX except a XXXX  XXXX rented by XXXX In XXXX XXXX XXXX XXXX hired lawyer XXXX XXXX who submitted claim in his behalf I want to clarify how XXXX XXXX XXXX issued directions to chase and how lawyer XXXX is going to deliver him my money? 

I found an alternative financing and want to pay my alleged debt in full if XXXX XXXX will provide me warranty of ownership of my alleged debt signed by an individual officer who can verify this ownership and give me a copy of account receivable from PennyMac loan services , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I left the country and moved to XXXX in XX/XX/XXXX. 

I visited the local TD branch and changed my address to my XXXX address to receive my monthly bills. 

I was unaware that my mortgage was being unpaid as I did not receive any of the mail. 
I have never been late in paying the mortgage or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. 

Late reports were listed on the Conventional Real Estate MortgageXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Home Equity Loan XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX. Balance : {$3900.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} ; XXXX XXXX XXXX XXXX .... XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$5300.00}

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 2017-05-02
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Loan Amount :  XXXX  Paid to date :  XXXX  Loan # :  XXXX   XXXX  Personal Loan taken with Loan Me Finance Lender License #  XXXX   XXXX  Paid on time until I hit a hardship. They offered me an 8- payment plan of {$390.00} to begin in  XXXX .  Paid   XXXX ,  XXXX , called to pay  XXXX  and their phones were closed for the holidays. When they returned from break, they said because it was not paid on the  XXXX  they could not honor the payment plan.     I was not going to continue to pay more on this predatory loan, and they would not come to an agreement over the {$69.00} current balance.   They began to call me, put my account in collections with an incorrect past due amount ( reported to credit bureau ) On  XXXX   XXXX , I received this letter. Remember, this is 1 month and 2 days later than the payment date ( which was a holiday )  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX     RE : L oan # :  XXXX  Dear  XXXX   XXXX , This letter is to inform you of action that LoanMe  may tak e with regard to your delinquent account.       Pursuant to California law, your income is recognized as a collectible asset and is attachable through garnishment. LoanMe has the right to obtain a judgment against you and attach your wages to collect the judgment. We have verified your employment.       Your immediate attention to this matter is necessary. You must contact our office within  five d ays of this letter to discuss acceptable arrangements.       Sincerely,  XXXX   XXXX   XXXX  LoanMe , Inc .    XXXX  This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record  may  be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.       As y ou may k now, in California you must have a court order to garnish wages, I did not appreciate this scare mongering. If I was uneducated, I might have been very concerned. Especially since the balance owed is only {$69.00}. No one wants to have wages garnished for this amount.     They have called me 3 times per day and sometimes as late as  XXXX . They have now begun to call my work when I have specifically asked them not to, and called me  FOUR times in FOUR  MINUTES this morning. I sent them an email to cease and desist.     They continue to harrass me constantly and call my work. I literally recieve calls from them all day, every day. I was shocked when I started to receive calls from them late at night. Even at   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On to XXXX XXXX  I told Experian I just called you guys to go over my credit history because a lot of it has already been paid off the most of the charge cards it's not supposed to be on my credit history is supposed to already be removed. i'm contacting the FTC if you do not remove the majority of my bills that were already paid off in XXXX  and 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 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On  XXXX   XXXX    XXXX   I faxed my police report identity theft report to Transunion because I am a victim of identity theft someone stole my personal information and opened up accounts in my name. I was told by the supervisor by the name of  XXXX  that once they receive my police report they would remove the fraudulent accounts as well as those inquires off of my credit report. Now the supervisor is telling me that they can only dispute the accounts and they are still on my credit report. I am being treated like I am the bad person and the reps were so rude like they do n't even care. Something needs to be done about Transunion tactics because I have been experiencing problems with them since this has happened to me.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today on XX/XX/2022 I was notified by Capital One that someone had made a hard inquiry on my account attempting to open a new credit card and SSN tracked an unknown address I have never used before. I believe somebody is using my information to commit fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, 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: Reporting company used your report improperly

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 2017-05-02
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am trying to pay extra on my student loan each month but the Navient website does n't allow for it. If I pay ahead it will show as no amount being owed for that month. Plus it will not allow me to split out the extra payment amounts to each loan. My goal is to accelerate the payoff on my smaller loan balance but in order to do this I have to make the payment via the website, then call Navient and ask them to manually split the payment. It seems like an inefficient process plus I feel like they are dissuading me from making extra principal reductions in my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: AL
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2020-05-11
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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE XXXX PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH 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 2018-09-10
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received a phone call or letter in the mail from this company or even heard of them. I have just been notified that I owe a collections of {$180.00} and it also states that the account was opened on XX/XX/2018. I have never used XXXX XXXX because I don't have cable. I only pay for internet through XXXX XXXX XXXX. I do not have signed a contract or gave permission for anyone to get anything in my name. Could you remove this account from my credit report? This has just dropped my credit score 10 points.

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