BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: OK
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: Other problem getting your report or credit score

Complaint:
Hello, I was able to access my Experian credit report online, however the website would not allow me to print my report in a printer friendly format without first signing up for for a 30-day trial ( free for the first month but costs XXXX thereafter ). I believe that Experian should be able to provide a printer friendly version of the report with out having to sign up for additional services. I have been able to generate printer friendly PDF report from both XXXX  and XXXX. With Experian I was forced to print the webpage directly. 

Thank you for your time.

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 2022-01-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/XXXX or XX/XX/XXXX I received a " Fraud Alert '' text on my phone for my CitBank Credit Card I immediately responded that this was not made by myself or my wife the card was immediately canceled and another card was issued unfortunately the perpetrators charged {$960.00} on XXXX trips and XXXX eats from XX/XX/XXXX to XX/XX/XXXX in XXXX XXXX, California My wife and did not make any of these purchases, and reported it to Citibank Citibank transferred me to their fraud department in which we answered all their questions. They told me I must pay the transactions and later they will reimburse me once the investigation is completed. 
I then received a letter stating they find me liable for all the transactions. 
I then disputed it again and they said they needed further questions. I answered all of their questions and tried to supply more information, but they only wanted their s specific information. 
I then received a second letter that since the credit cards were in my possession, that I am responsible for the {$960.00}.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2020-06-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2019 IS REPORTING A 30 DAY LATE PAYMENT. 

EXPERIAN FAIL TO VALIDATE THE 30 DAY LATE PAYMENT

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 2018-01-18
Company: DISCOVER BANK
State: MD
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:
Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at Discover. She declines to return my phone calls and will not respond to my letters. 

Discover is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. Discover card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted Discover and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bank of America is not refunding our credit card after multiple fraudulant transactions. At first they credited our account and we thought this was resolved. Then they sent us a letter stating we were wrong and are now putting the charges back on our card. The fraudulent charges were made online according to the credit card statement so clearly it looks suspicious from the start. It shows that we ordered XXXX 3 times on XX/XX/XXXX, 2 times on the XXXX and 2 times on the XXXX. Why would we order XXXX multiple times in one day. We also had fraudulent charges at XXXX 's as well on XX/XX/13 on the same day. We did not make these purchased. We are asking for our money back and to have Bank of America hold the vendor accountable. Please refund us our 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 2020-04-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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 submitted a dispute to ChexSystems in XXXX. I provided documentation showing that I did alert the fraud department of XXXX XXXX XXXX after I felt as though I was scammed. 
I emailed the conversation to myself just in case XXXX  XXXX XXXX alleged that it didn't happen, which they did. 

On XXXX I spoke to XXXX at checxsystems at XXXX XXXX she informed me of a website that I could submit the phone call. She then informed me that their website was not capable to receive it. I asked if there was an email that I could send it to to prove that I did contact XXXX  XXXX  XXXX. XXXX informed me that there was nothing she could do. 
It is very important that I submit all of the evidence that I have regardless of the format that it is in. I hoped that chexsystem would understand that evidence comes in various different forms. 
After their alleged reinvestigation they continue to report that I did not contact XXXX  XXXX XXXX fraud alert Department before they realized that the transaction was bad. this is very important because if there is proof that I contacted them it would show that I did not willingly attempt to defraud 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 2017-10-11
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After several failed attempts to resolve an erroneous balance due on my student loans, it has been determined that I have to file a complaint to get somebody to review this matter. I was contacted by XXXX XXXX several times regarding an outstanding balance due on my student loans FROM XX/XX/XXXX. The balance due has changed drastically over the weeks. My outstanding balance with PHEAA was {$4100.00}. XXXX XXXX is now handing this debt and I entered an agreement with them to repay the balance at a monthly fee of {$5.00} due to unemployment and inability to pay more at this time. XXXX XXXX has changed the balance owed to {$17000.00} on XX/XX/XXXX, to {$18000.00} onXX/XX/XXXX, and it now sits at {$18.00}, XXXX  owed as of XX/XX/XXXX. I have sent several requests for review to set up a hearing, to no avail. As previously stated, I set up a repayment plan with XXXX XXXX so my  income tax would not be affected by this again. I then started receiving letters and phone calls from XXXX XXXX XXXX stating that if I did n't set up a repayment plan with them my income tax would be taken and my wages would be attached. I have not received an opportunity to review or dispute the balance they say I owe and have received any answer except " If I refuse to pay, they will attach my wages and take my federal income tax. '' Finally, my income tax was taken for the year XX/XX/XXXX in the amount of {$4300.00} to offset the student loans owed to PHEAA, however this was never applied to my balance! Nobody can answer where the money went and they only transfer me to different offices when I attempt to figure out what happened to the money they took. That money should have settled the debt I owed to PHEAA, but nobody knows where it went. This started with me owing PHEAA {$4100.00}. They offset {$4300.00}. That would leave my balance in the negative, but nobody will answer my correspondence to request a review. Hopefully this office can get something done in this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Mountain Run Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company in complaint is mountain run solutions. I have an Alleged debt from XXXX  XXXX. That has gone to collections. My aunt and I received a text on XX/XX/XXXX about it. My aunt is not on that policy. XXXX is a home security company and my aunt is an emergency contact for me since I don't have any family here in Colorado. But her signature or any financial information is not on that contract. She should not be tied financially in any way. I called and asked them for a debt validation letter. I did not receive anything and forgot about it. On XX/XX/XXXX i received another text and stating that they would be reporting the account to the credit bureau on XX/XX/XXXX if action was not taken. I called immediately and I asked for validation of the debt to which they just sent me a packet of their own alleged payment amount. That packet arrived XX/XX/XXXX They didn't include any original bills but they included a copy of the contract with no billing history. The only date regarding the debt is XX/XX/2020. I didn't even live in the property the debt is regarding at this time. I called again to say I don't believe this debt is correct please send me info with an original bill and breakdown. Today on XX/XX/XXXX they put this dispute on my aunts credit. She's not on the contract and I've already started disputing this. There was no reason for that. And there's no information that can allude this being an acceptable action. The paperwork with My aunt 's name even shows that she is a secondary contact but not a customer. The top corner of the electronic signature disclosure only has my name. The actual contract only has my name. She is not anywhere on the customer information side. My credit seems to have not taken a hit yet as it should be because we are in dispute. My aunt should in no way be involved in this.

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 2018-01-12
Company: GMA Investments, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was paying XXXX XXXX XXXX dollars monthly. When XXXX came and payment was due ( automatic payments deducted from my bank debit card ), the card was declined. What happened was that someone tried to use my bankcard and my credit union called because of suspicious activity. I had to get a new debit card. XXXX then called me and said that my card did n't take. I said, oh, yes, my card had unauthorized usage and i had to get another card. The representative was nice and apologized that something like that had happened to me. The representative said she need to connect me to the department that will take the missed payment. I said, ok thank you. Once I was transferred, the agent tacked on XXXX extra dollars, stating that it will be added every month until I am finished paying back my debt. I said, Why because the payment was declined, it was n't my fault, someone used my debit card and it had to be cancelled and replaced. The agent said that they were giving me a courtesy all of the months that I had been paying and now I will have to pay an extra XXXX dollars that does not go towards the amount I owe, it goes into their pockets. I never agreed to the extra XXXX and was never told about the extra XXXX. I feel like this is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: MT
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:
I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-01-12
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had sent in a police report to XXXX for a auto loan that was the result of identity theft to all three credit bureaus. XXXX and XXXX removed the fraudulent auto loan from my credit report where my identity was stolen which was used to acquire a $ XXXX auto loan from navy federal in my name in which the thieves allowed the loan to go delinquent and leave me with a charge off after they used my identity. XXXX rejected my police report and opened a reinvestigation and haven't responded back to me with the results or even acknowledged the police report which provided all the information and there was no lack of sufficient evidence. I already spoke with the bank themselves and flagged all accounts as fraud and told them that none of the actions within Navy Federal was me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: LJ Ross Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Original creditor, XXXX XXXX XXXX XXXX XXXX XXXX   updated their reporting software and at the time of payment of a separate account, they weren't able to alert me of a payment I had outstanding. On XX/XX/XXXX, I saw that LJ ROSS and ASSOCIATES placed a collection with all three bureaus in the amount of {$400.00}. I thought this was fraudulence due to  XXXX  XXXX not communicating to me that I owed a debt. As soon as I could I settled the debt with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$430.00}. 

After paying the debt in full, LJ ROSS and ASSOCIATES is still reporting a collection with all three bureaus. I do not have a balance nor do I have an account with LJ ROSS and  ASSOCIATES. This blemish is keeping my score low and will potentially keep me from attaining my ultimate goal of home ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
In XX/XX/XXXX I leased a car with XXXXXXXX XXXX in XXXX, NY ( 3 year lease ). In the winter of XX/XX/XXXX I started receiving calls from XXXX XXXX offering me the opportunity to turn my lease in early. XXXX XXXX kept on calling me until finally ( in XX/XX/XXXX ) I went in to listen to the offer. Before even attempting to listen to the car salesman, I asked if I would be required to pay any money ( at all ). The man insisted I would not. The car I was turning in was way under the mileage amount and there were no damages to the car ( besides a few stains on the seat which I absolutely would admit to ). When all was said and done, I turned in my lease and exchanged it for a new lease. I decided that I would come back to exchange the cars due to the fact that I needed to clear items out of the trunk. I returned to exchange cars and, again, asked the salesman if everything was set and done. I asked if the car is okay and all set, and the man insisted " yes yes everything is taken care of. '' Like I should have imagined, it was n't. In the summer of XX/XX/XXXX I  received a bill. I called XXXX XXXX XXXX  requesting a rundown of this bill. The man on the phone could not tell me what I was being charged for and someone said that they would call me back. No one ever called me back. In Fall of XX/XX/XXXX I received a bill from a credit reporting agency. Hyundai had sent the bill to a XXXX XXXX  XXXX. I went into Hyundai demanding to know why I owed the money. The manager of XXXX XXXX claimed upon inspection the car had damages totaling to such a large amount. They also mentioned some kind of fee in which I am required to pay because they did not get the amount of money that they wanted at auction. I told them that I am not paying this bill due to the fact that this inspection was done with none of my input and out of my sight. As well, I was not informed of other fees even though I consistently asked if there would be other fees. Furthermore, even though XXXX XXXX XXXX sent this bill to collections, they are still reporting it as late EVERY MONTH on my credit report. I am taking them to small claims court but I also need something to be done about the reporting that they are doing. It is not right and they participate in predatory practices and underhanded transactions. They preyed upon individuals and when all is said and done they do n't do anything to assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Disputed charges for services that I never received. Contacted capitol one several times and upload all necessary documents within the time limit. Now they are telling me that it's too late and they can't help me. Spoke to XXXX, and she told me that there is Noone to speak to regarding this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We have been paying on this car loan since XX/XX/XXXX. We have overpaid by thousands of dollars and they agreed to not pursue any more charges on the loan ( 6000 something on a XXXX loan that started in XX/XX/XXXX ) and to send us the title last week on XXXX  XX/XX/XXXX at XXXX : XXXX XX/XX/XXXXPST. 

They claim we have paid late EVERY SINGLE TIME except for six times in the total of the loan, which is absolutely absurd and completely wrong. We have kept nearly every single letter they've sent us, including times they've claimed we haven't paid when we did and it reflects on our bank statement. From what we can tell, they charged us late fees if we paid ON the due date. Only time they didn't is if we paid 2-3 days before. 

This afternoon, ( XX/XX/XXXX ) I received a call from their number XXXX where the collection department person refused to give me their name or extension or employee ID number and where they threatened to XXXX XXXX  me or my husband if we refused for them to take the car tonight when they send a tow truck. They yelled at me when my children were noisy in the background and told me I was financially responsible to pay the rest off immediately. I ended up hanging up the call because they would not stop yelling and I refuse to be physically threatened.

I am giving Navy Federal a VERY short amount of time to get this resolved. I expect them to not collect another dime from us and to send us the title like was promised on XX/XX/XXXX at XXXX XX/XX/XXXX PST. 

After being threatened with bodily harm, we are done negotiating with Navy Federal and expect IMMEDIATE response to this or we will be suing them for emotional distress, for threats of bodily harm and for fraud. This is unacceptable and very traumatic. We will not stand for being threatened with bodily harm or lying about payment status, etc. Enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation