BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have attempted on numerous occasions to request my annual credit from Experian, XXXX and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CURO Intermediate Holdings
State: TN
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:
After viewing my report I noticed this account that I have never applied for credit nor any written communication with. Pursuant to FDCPA 1692g I have requested for a validation yet you have failed to do so. FDCPA section 807 8 if you can not validate the debt that is a valid reason to remove it from my credit report. They have violated my consumer rights under the federal law FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Expert Credit Sweeps
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid to have my credit repaired from Expert Credit Sweeps owner XXXX XXXX she was suppose to send out a dispute later to all 3 Credit Bureau on XX/XX/XXXX19 and i should have received a response back from the credit bureaus in 30 to 45 days i haven't received anything back from the the bureaus so i called them to ask about the disputes and all 3 bureaus said they have no dispute on file i also asked for proof from expert credit sweeps and have not received that as well i am being scammed she has taken {$300.00} from me for this work and will not provide proof of the 1st dispute later she claims she sent out

Company response to consumer: Untimely response
Consumer complaint received 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a Bank of America ( BoA ) client for almost four years, who is being penalized for the mistake made by the bank. On Thursday, XX/XX/XXXX two transactions that amounted to a total of {$1800.00} was falsely withdrawn from my checking account at two different Bank of America centers in New Jersey. One was for the amount of {$1500.00} withdrawn from the banking center in XXXX, New Jersey and another was for the amount of {$300.00} withdrawn from the banking center in XXXX XXXX XXXX, New Jersey. The withdrawal of these transactions left me with only {$4.00} in my account that day. Almost everything was taken out of my account. Prior to all my money taking out in my checking account on the XX/XX/XXXX, there was a breach on my checking account on Saturday, XX/XX/XXXX. Someone was using my debit card to make a transaction. Bank of America sent me an alert and email to call them to verify my account which I did.A representative from the bank asked me if I made a purchase of {$5.00} ( not entirely sure the amount but i know it was around {$5.00} ) that day. I informed her that I never made that transaction. She later  reversed the transaction and affirmed that since I did not authorize that transaction, she would have to close my debit card for my checking account and reissue me a new card. While waiting for my new card which takes 5-7 business days, I got an email on the XX/XX/XXXX stating that my balance was below {$25.00}. I quickly checked my account only to realize that my money was redrawn with the same debit card I was told will be closed on the XX/XX/XXXX. Since the occurrence of this incident, I have cooperated with Bank of America by immediately filing a claim with the banks check fraud department as well as filing a police report. In addition, my wallet was not stolen and I had my debit card with me. One of Bank of America 's representative who works at the banking center at XXXX XXXX, New York, even helped me fax the police report to the claims department on Friday, XX/XX/XXXX. However, on Tuesday, XX/XX/XXXX, BoA denied my claim, stating that my ATM/Debit Card and Pin were used in the transaction. I did not authorize those transactions. I do n't even know how the people who did this to me got my pin number. This has been a stressful situation and I will never wish this on anyone. And, as an indigent XXXX living in New York, where the cost of living is very high, not returning my funds has made it very difficult to meet my basic and educational needs. All I need is my money back. I worked really hard for that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: AES/PHEAA
State: NJ
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:
The issue with XXXX started in XXXX XXXX. My IDR paperwork FINALLY was processed ( submitted in XXXX ) and the new IBR rate was more than double the previous year ( {$640.00} to {$1300.00} ) This would make sense if my income changed, but it did not. I did file taxes jointly with my husband that year, but again this amount did not make sense. I called and was told the IBR rate was miscalculated - my husbands student loan debt was incorrect by {$80000.00}. Despite, their mistake, I was still told I had to pay this miscalculated amount ( even though this was not my fault ). After many phone calls and hours of questioning, they agreed to apply for an administrative forbearance. This forbearance, I was told, would not penalize me for not being able to pay this incorrect rate, and wouldve temporary until the next month when the correct IBR rate ( {$940.00} ) was processed. During this forbearance, I paid the amount of interest that would be accrued ( {$950.00} ) but my loans capitalized, adding {$15000.00} onto my current principal. Again, I called, and there was nothing we can do. During this time, I was also concerned about this IBR rate  since it was {$300.00} more than the previous year, without any change in my salary. I was told I could apply for a change to the lowest monthly fee, which in this case would be the RePAYE plan. I submitted this paperwork in XXXX, shortly after I found out about it during my first phone call to XXXX. Throughout my subsequent phone calls with XXXX I was told that my monthly payments would be {$940.00} for XXXX and XXXX ( the correct IBR rate ) and then would change to {$640.00} ( the RePAYE rate ) for XXXX. Great. Fast forward to XXXX. My bill for XXXX is now a whopping {$2300.00}. (?! ) Yet again, I have to call and spend hours on the phone explaining the situation and fighting with XXXX. With a XXXX XXXX XXXX XXXX and the holidays, the continued financial hardship XXXX is causing me is putting me over the edge. I have always been willing to work with them and have paid all of my payments on time. Enough is enough. This is negligence and abuse. Please fix this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: MO
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 took out several federal student loans to complete XXXX XXXX. The loans were then transferred to Navient to be serviced. I enrolled in the pay as you earn repayment program after advice from a friend. Once I was enrolled in this repayment program I enrolled in autopay to pay the amount required by the repayment program which was {$86.00}. I was alerted by the company that it was time to renew my repayment program on XXXX XXXX, XXXX. I submitted my application and received a confirmation letter that my application had been received on XXXX XXXX, XXXX. There after I was waiting for my application to be processed. I had not heard of approval of my application so I called the company on XXXX/XXXX/XXXX to inquire on the status. I was told that the company had what they needed and it was being processed. They granted me a forbearance request to postpone payments while my re-application for my repayment plan was being processed. On XXXX/XXXX/XXXX {$2200.00} was auto-debited from my account. I called the same day to inquire about the status of my account. I was told my application for the income based payment was stalled because of missing paperwork despite the fact that the company had told me it was complete on XXXX/XXXX/XXXX and never sent a notification that the application was incomplete. I requested to have my money returned and I was told it was a several week process. I submitted the necessary paperwork and was approved for the repayment program on XXXX XXXX, XXXX. I did receive a refund on XXXX XXXX, XXXXafter calling the company several times to push the request through the system. In addition to the financial hardship of being without the {$2200.00} for approximately 2 months I received a notice from Navient that I lost a 0.5 % loan reduction benefit for not making 12 monthly payments. Had the process worked as intended I would have made the payments from the income driven repayment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I researched XXXX service prices. I mistakenly scheduled an installation date which I promptly canceled. I then received a bill for {$160.00} for services, though I never received any. I called XXXX and confirmed the appointment and account were canceled and no balance is owed. 

I am now receiving collections letters from Radius Global Solutions, LLC that I owe {$160.00} for a past due account with XXXX. I called XXXX today, XX/XX/XXXX, and spoke to 5 different agents who all confirmed the account is canceled and no balance is owed. I asked them for help removing this collection but none could find any evidence as to why there would be a collection. They continued to transfer me to several different departments but none could help. 

I have never received any type of service from XXXX and do not owe them money.

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 2019-10-25
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid the car off @ XX/XX/XXXX at a TD Bank location in XXXX Ma. I was told it would take 30 days for the title to be returned to me. I still do not have the title and when I called today they said the lien had not been released but the car is paid off. I have no confidence in them at this point and can not sell the car without title and this is causing me financial harm as buyer is going to walk away from the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: MS
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:
I contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. 

I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them ). I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). 

As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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 is incorrect

Complaint:
When requesting a report from Equifax, I consistently receive a hard time regarding verification of MY PERSONAL REPORT. The information they have is NOT accurate and they require me to send and re-send documents only to repeat the same issue. 

Previous complaint still applies : Have been going back and forth with Equifax. They have 2 credit profiles for me, in which I have sent in my passport, and SSA letter with my address. I have in the past had my wallet stolen, however, I have sent in documents VERIFYING my identity. There should be no confusion as the documents come from the federal government. EQUIFAX refuses to update and correct erroneous information, although, I have a copy of my report from XXXX. When calling, each agent has asked general question about my profile : do you have a charge card, if so how much is the repayment? Once I answer their questions based on the report generated from Equifax, they still tell me Im incorrect. I have faxed my supporting documentation to XXXX XXXX, and the complaint department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contacted Navient on XX/XX/XXXX and spoke with 3 representatives - one was a supervisor. I noticed that my overpayments were not being applied to principal but only a credit towards the next months payment. I read Navients repayment allocation statement which said that they will apply overpayments to next months paymnet unless otherwise instructed. I called to instruct them otherwise. All 3 representatives assured me my payment was being applied to principal and that it 's a " computer glitch '' that shows a reduced payment. I then read them their own company 's statement with payment allocations. They still said the same thing. None of them could or would help to get my overpayments applied to the principal and not a credit towards next months payment. The supervisor told me the only way to avoid this problem is to enroll in auto debit and make another payment the same exact day they auto debit my account. I do not want to enroll in their auto debit. I 've asked to have my overpayments applied to the principal and they have refused to do so. Not one of them could explain to me how an overpayment could be applied to principal and reduce my monthly payment and none understood their company 's statement of how payments are applied. Navient is preventing customers from paying off their loans early.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This following matter is in regards to the company of XXXX XXXX XXXX XXXX XXXX 

I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told MrXXXX XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally   freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Credit Karma, LLC
State: TX
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 requested a copy of my annual credit reports from all 3 credit agencies. Upon receipt of my credit reports I found numerous hits on my credit reports from credit karma. I have never used credit karma, I use the actual credit bureaus. I contacted credit karma and they found an account with my information that someone else was using to access my information unlawfully. I still do not know who did this, I have no IP address for these people to give to law enforcement. I was physically assulted, and I believe they located me by unlawfully accessing my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, CITIBANK froze and closed a joint checking account. It was now under investigation by the Fraud Department. After 3 months of unacceptable customer service, I was told that only part of my money would be released to me. The unpaid portion was the Social Security payments for my mother and I wasn't entitled to this money. 
This account was set up to pay all services necessary while my mother was in a XXXX XXXX. I've contacted CITIBANK weekly and they refused to release this money and won't give any details of what happened to it. 
I am the executor/representative and POA of my mother 's last Will and Testimony. I have sent by certified mail, documentation of being both my mother 's representative and legal POA, joint names on CITIBANK 'S signature cards, the balance of closing checking account, {$14000.00}, a partial check received for {$6600.00} with an additional check to complete the total for {$7500.00} plus interest, a letter from her doctor stating she's incapable of making financial decisions, a letter from Social Security stating myself as being her representative of her monthly statements and a copy of her death certificate, as my mother passed away XX/XX/2020. 
This money is part of her estate and I am not able to move forward until CITIBANK pays the remaining balance of over {$7000.00}. Please help close this account to make things right. I have done everything I can possibly think of and now I need professional help. CITIBANK is refusing to release this money! 

Sincerely, 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 2019-08-16
Company: Smith & Smith Investors LTD
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company charged a fee of {$3.00}. This fee was not part of my debt. I paid debt in full for medical bill

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: EQUIFAX, INC.
State: TX
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:
RE : Previous Complaint No. XXXX Equifax 's response to this complaint ( RE : my XXXX XXXX XXXX  account ) WAS A LIE. They said that they had removed the language concerning " customer disputes information. '' I received a copy of my report on XX/XX/XXXXdated XX/XX/XXXXAND THE LANGUAGE IS STILL THERE! 

EQUIFAX IS TOTALLY INCOMPETENT! LITTLE WONDER THAT OUR INFORMATION WAS HACKED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2021-02-25
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: Information is missing that should be on the report

Complaint:
XXXX is reporting the following accounts inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXXXXXX 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