BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
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:
XXXX XXXX XXXX XXXX XX/XX/2018 60 DAY LATE THIS ITEM IS NOT VERTIFABLE. THEY ARE UNABLE TO VERIFY THE 60 DAY. THIS IS CLEAR VIOLATION OF 609.

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 2020-10-13
Company: Experian Information Solutions Inc.
State: TX
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filled chapter XXXX in XX/XX/XXXX. I was never late with my mortgage. Starting in XX/XX/XXXX they started putting unpaid amounts on my mortgage statement. I've called and called to get answers on why that charge was on my statement and no one knows why. I've paid {$300.00} dollars toward that unpaid amount. I told my BK lawyer about it and she sent me a legal document from the court that it should've been only {$400.00}. I just want answers on why would they be charging me more than the amount stated on my invoice.

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 2018-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened BOA checking account 8 years ago. That is e-checking account, means no fees as long as I am not using branch. Recently I was checking my BOA account and realized there is monthly XXXX dollar service fee charged from my account. I contacted BOA and they were saying they informed me by XX/XX/2017. I searched all my emails from BOA, none of them mentioned about there is additional fee charging. The customer service mentioned the notice is in statement. How should I open the statement everytime? And the notice is on the second page of PDF file. there is even no sign mentioned there is very important change/fee to my account. I argued with them, they said BOA is always like that to customer. I want my money back ( {$67.00} ). this amount money is small. But the way they inform customers is awful and they feel proud about their way. It is definitely need some regulation for this type of move from BOA. 
There is no obviously sign/indicator to let customer know the potential charge. I ask CFPB to investigate 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 monetary relief
Consumer complaint received 2018-10-27
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
GLA Collection company called me on XX/XX/2018 at XXXXXXXX XXXX and said that becuase I did not hang up the phone I must be XXXX XXXX and that if I did not pay them {$180.00} tonight I was going to face a lawsuit seeking summary judgement. 

I am not the person they are looking for

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland funding is on my credit report, I have no knowledge of this company or debit they are attempting to collect. I have disputed with the credit bureaus 2 times and requested a signed copy of the contract with midland funding and they have never provided proof. They have called me numerous times and have called my parents house as well. I want this deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XXXX the XXXX 2019 I mailed XXXX XXXX XXXX in regards to account number XXXXxxxxxxx. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$500.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report Delete account number XXXXxxxxxxx from my credit report across all three credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX sold my XXXX Bank loans in XXXX, 2018 to Navient. I am XXXX and XXXX years old. I already am paying XXXX & XXXX a month and XXXX {$45.00} a month. My S. S. I. payments are {$750.00}. I tried to get a forgiveness, but they sent the application to the Dept. of Education. I am currently still in school and I can not stop the program yet. I needed a payment plan that would help include the other private loans from XXXX Bank that were sold to Navient. They said because I am already making no interest payments on the private loans of {$68.00} a month I can not lower any more payments, and they want to start raising payments for XXXX Bank to a total of {$150.00} starting in XXXX, and then, going up from there. I have tried to get some kind of payment plan that I can afford for all the private loans like an income contingent plan. They have offered me nothing and I need help asap. Instead, after I sent all the doctors information and their application, they sent the information to the Department of Education for total loan forgiveness, but that does not stop the private loan payments. They are just trying to delay addressing my application to them by sending the application to the Department of Education. I am willing to make payments but they need to do an income-contingent plan and they are not observing the contract I signed with XXXX for XXXX Bank that forgives loans if you have a physicians statement, which I sent them, in fact, I sent them 2 statements and my S. S. I. income statement. In my condition at XXXX years old, what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

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 2021-10-13
Company: AMCOL Systems, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep repeatedly receiving calls from XXXX that are coming up as potential spam through XXXX XXXX XXXX XXXX XXXX. They keep leaving voicemails stating that they are XXXX XXXX XXXX and that they are a debt collector and to contact them. I do not currently have any debts nor have I received any correspondence by mail from this company stating what this debt is relating to.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Best Buy account on or about the end of XXXX with a minimum payment of approximately {$27.00} due monthly on an interest free purchase for 24 months. However, since opening the account, I sent consistently and monthly sent a payment of {$100.00} until my last payment of {$150.00} was paid in full. All payments were sent via XXXX XXXX Bill Pay monthly with the last payment on XX/XX/XXXX. After sending in my last payment, I received another invoice in XXXX reflecting a late fee of {$27.00} charged to my account. In XXXX I received another invoice with the past due balance of {$27.00} late fee plus a second late fee of {$29.00} making it a total of {$56.00}. Within the last two weeks, I have been getting daily calls from Citicorp regarding the past due late fees not being paid. Today, XX/XX/XXXX I spoke with a rep at Citicorp about this and he stated that I should call Best Buy to resolve this issue. However, I did write and explain to Customer Service at Best Buy on XX/XX/XXXX explaining the exact issue mentioned here. No one from customer service has responded to this matter. Yet I continue to get harassing calls on a daily basis regarding my account being past due. It was paid in FULL when the last payment of {$150.00} was sent on XX/XX/XXXX via XXXX XXXX Bill Pay and posted on XX/XX/XXXX as reflected by Best Buy in their last invoice to me received XX/XX/XXXX. In my letter dated XX/XX/XXXX sent to Best Buy I requested my account be closed and that the late fees be credited off my account. Best Buy previously stated that the payment was received one day late. It was received and posted on XX/XX/XXXX, by Best Buy but sent by XXXX XXXX on XX/XX/XXXX via EFT bill pay. Best Buy stated to me that it should have been paid by XX/XX/XXXX. One day late and I am being harassed to pay them late fees now. It appears that late fees are continuing to accrue monthly on an account I paid in full in XX/XX/XXXX and that no one has responded to my written correspondence sent to Best Buy, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I'm being ignored and harassed for late fees on a closed account which was paid in full and which payment was received in full one day late per Best Buy. It appears they are continuing to bill me late fees monthly. Is this legal?

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 2018-10-27
Company: EQUIFAX, INC.
State: TX
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:
XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have disputed the late payments on XXXX XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX   XXXX accountsfor months. The credit bureaus never reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please this has hurt my credibility..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX, XXXX contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with Target that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2019-06-16
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 dept recovery solutions file on my credit I owe them {$680.00}. I do not I have never done business with the company ever before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for an American Express XXXX XXXX Card and was told there would be no fee the first year. I never received or activated the card, but began receiving bills for {$95.00} per month the annual fee. I have called this Company multiple times to complain and each time they have promised me the account is closed and the {$95.00} fee has been reversed. Each time that that has proven to be false. This seems very similar to how XXXX XXXX took advantage of consumers. 

I am requesting that the account be closed. The {$95.00} fee be reversed and an ethics complaint be filed against American Express as they clearly do not have the internal procedures in place to remain in compliance with consumer finance. The refusal by this organization to provide me written notification of the status of my request is against the Fair Credit Reporting Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-19
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 belongs to someone else

Complaint:
THERE'S AN ACCOUNT CALLED " XXXX XXXX '' HAS ME LISTED AS AN AUTHORIZED USER, HOWEVER THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE FOR IT TO BE REMOVED. ALSO THE ADDRESS XXXX XXXX XXXX XXXX, NY XXXX DOES NOT BELONG TO ME AS WELL. THIS IS AN ERROR ON MY CREDIT FILE THAT NEEDS TO BE REMOVED ASAP!

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 2021-10-13
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX & XXXX, 2021, my equifax premium account was hacked by my identity thief, XXXX XXXX. He accessed my account online, and by mail ( they told me on the XXXX the mail part ) and unlocked/unfroze my credit file. He also changed my log in email and password, and deactivated by paid service with them. He then submitted a fraudulent credit application. 

Equifax refuses to do anything to stop this from happening. They expect me to call them at least once a day to explain this all, and reset my email log in and pass word and un do whatever the cyber criminal has done. They will not block his number or email address. They will continue to accept his use of my former address as proof. He has also changed my address to his multiple times and Ive reported that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
To Whom It May Concern, I spoke with Capital One Auto Finance back in XXXX, XXXX trying to get assistance with my car payments as I had gotten behind on my payments due to hail damage to my home and medical issues which in turn caused me to get behind on my payments. I spoke with XXXX XXXX of Capital One Auto Finance back in XXXX, XXXX to make payment arrangements as I was not asking for a loan modification but more time to pay the arrears until I could be current on my payment. I owed 3 payments of XXXX totaling XXXX and I was inquiring if they could put the payments at the end of the loan as money is tight and I had not received the settlement for my roof. They kept insisting they would put two payments at the end of the term. Now, I had spoke with XXXX of Capital One Auto Finance to make arrangements and I was getting ready to send another payment of {$300.00} on XXXX, XXXX and was told no to worry my vehicle was safe and make the payment and call him back and they would work with me. I had planned to pay them more in XXXX, XXXX as I receive my student loan and could pay the arrears but before I could do any of this, this morning, XXXX/XXXX/XXXX they took my vehicle without warning and no letter informing me that they were going to repossess my car. All of my things are in the car and I spent the last of money until payday filling up the gas tank, only to miss work and call Capital One Auto Finance. I spoke with XXXX of Capital One Auto Finance and all he could do was put two payments on the back end but that I needed to come up with {$600.00} + storage fees to get my vehicle back. I do n't have that kind of money and I was recently in the hospital so my paycheck was shorted out due not having enough leave as this was an emergency situation. Capital One Auto Finance lied to me. I wasted my hard earned money paying for the car only for them to take it away. It 's apparent they do n't care and do n't want me as a customer. Please help if you can. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Credit Service International Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from an undisclosed number they claimed to be a process server trying to serve me with papers. They gave me a XXXX XXXX number to call stating that a case had already been filed against me. When I called the number they said they had not filed a case against me and it was just their intent. They claimed to be A XXXX XXXX XXXX. They said they were going to file for separate lawsuits against me each for amounts less than {$150.00}. For a total amount of {$480.00}. I am reporting this because I do not believe them to be an actual law firm because I can not look them up anywhere. I also have not been able to reverse look up their phone number XXXX XXXX XXXX XXXX. I believe they are a collection agency who has purchased a debt who is illegally claiming to be a law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX XXXX XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX XXXX  XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with Transunion. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.

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