BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been disputing information that is appearing on all 3 of my credit reports with Experian, XXXX  and XXXX XXXX for a very long time now as there is a significant amount of negative and derogatory trade lines on these credit reports that do not belong to me nor did I ever sign anything for them and each and every single time I have disputed these with all 3 credit reporting agencies all they do is inform me that after verification it belongs to me. I had requested from all 3 of them then please provide me proof and evidence with dates and proof of my original signature on these items and they informed me they do not do that and then I had asked how do you verify that it belongs to that person and I was told by social security number and date of birth and I informed them I was a victim of identity theft and have the police reports as proof of the crime and they informed me that do not accept documents of that nature. There are auto loans on my credit reports that I never had or signed for and there is federal and state tax liens as well and none of them ever were associated with me ever and none of the 3 credit reporting agencies will do anything to help and assist me to have all these negative and derogatory trade lines removed and deleted from my credit reports that I never had anything to do with and this is wrong in my opinion why I am being punished for something I never created in the first place. I am demanding swift legal actions taken against the 3 major credit reporting agencies Experian, XXXX and XXXX XXXX immediately as this is not right to be treated like a consumer in this manner ...!

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 2019-04-22
Company: Navient Solutions, LLC.
State: IL
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:
My Navient private loans were refinanced in XX/XX/XXXX with XXXX. I no longer owe any money to Navient. However, Navient withdrew payments from my account for the month of XX/XX/XXXX and on XX/XX/XXXX of {$250.00} that I did not authorize because I no longer have loans with Navient. XXXX repayment plan is for {$240.00} per month which I agreed to. I contacted XXXX and was informed that since I did not terminate the automatic payments with Navient that they will continue to deduct funds from my account even if I did not have a loan to pay as they use a third party to collect payments. I was not informed this by Navient or XXXX until I contacted the company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid my payments on time with XXXX XXXX XXXXXXXX XXXX XXXX prior to COVID. I lost my job in XX/XX/2020 and struggled with my car payment for the Months of XXXX, XXXX, and XX/XX/2020. I struggled to make full payments in XXXX, XXXX, XX/XX/2020, however I did make partial payments during this time. I called to request help and was told that they cant remove the late payments and they generate due to full payment not being made. I mentioned that President Trump had passed the bill to work with customers due to fact they received relief funding. It was my understanding that during this time customers were not going to be marked late especially for partial payments that I made. I did call the Credit union about the past dues and they stated they could not be removed off my credit report well part of this bill was not to negatively impact credit and stimulate the economy. I feel that these late payments should be removed. I immediately caught up the car loan payment and have been on time with the exception of when out of work.

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 2021-04-10
Company: REGIONS FINANCIAL CORPORATION
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:
According to the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2018-07-21
Company: Experian Information Solutions Inc.
State: MI
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:
Yes I checked my credit score and one minute it's XXXX then I checked it again it's XXXX I don't know why I can't get a aquired report from these creditor 's

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 2019-04-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a XXXX XXXX customer for over 20 years and have used their store card to make thousands of dollars worth of purchases for myself, family & friends. Recently, XXXX XXXX took it upon themselves to " upgrade '' their store card to an XXXX XXXX card. I had no interest in having an XXXX XXXX card but since I didn't notify XXXX XXXX of that fact they claim they sent me an XXXX XXXX card which I never received. Then XXXX XXXX told me they would send me a replacement card but they never did. In the interim, my original XXXX XXXX account was closed without my permission. Although I received a letter from XXXX XXXX from XXXX XXXX Executive Office claiming she would assist me with this issue I have called this office three times. First I'm connected to the wrong number then I get disconnected when I called again. On the third try at about XXXX today I get a recording stating I should leave a message since apparently the office is busy. XXXX XXXX Executive Office can't take a phone call during normal business hours?! I'm really disappointed in the shoddy treatment I've been getting from XXXX XXXX since their association with XXXX XXXX. Apparently loyal, long-standing XXXX XXXX  customers are no longer appreciated and are being forced to accept XXXX XXXX cards ...

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 2021-05-07
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I sent a letter about inaccurate & false reporting things on my credit report. it has been over 40days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 40days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed the Original Credit which was XXXX XXXX XXXX  and after they charged the debt off they sold it to XXXX XXXX who is a debt buyer in XX/XX/2016. XXXX XXXX hired a collector by the name of Jacob Law Group to try and collect the debt. Jacob Law Group sent me a settlement letter and I submitted the settlement amount as required and they won't update the credit report showing the debt has been settled. They have it showing that I still owe {$530.00}. Also the statue of limitations on old debt is 3 yrs and it is over 3 yrs and they are still trying to collect. See attached info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Follow up from current dispute could you confirm that you in fact had the tradeline remove from XXXX credit file on XX/XX/20 for inaccurate information? The credit monitoring service that I pay for advised that you did! You shouldve have a tradeline removed from all credit reports because youre one company that reports to all three of the major credit reporting agency therefore all the information should be accurate and reporting the same I have supplied you physical and factual documentation that its not reporting correctly and this meets Criteria to be the deleted immediately..

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 2021-05-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was refused a Bank account from Chase Bank located in XXXX, AZ without proper reasoning. Can we please find out why Chase Bank is denying me a Bank account. I've already checked with XXXX and they said there was nothing in my file holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern : I am sending you this complaint in regards to the remaining inaccurate information that you continue to put on my credit file that is causing serious distress to my life. I have included attachments along with pictures. Please be aware that this is the final attempt of goodwill to resolve your mishandling. I will be forced to file yet another complaint with the FTC, contact my attorney general, and file a lawsuit. There are several individuals with my name XXXX XXXX but the inaccurate items listed in the letter and pictures isnt my account or inquiries.

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 2021-09-12
Company: Experian Information Solutions Inc.
State: TN
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:
Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Balance : {$170.00} This is a formal complaint against XXXX, Experian, and XXXX. I have checked my credit report again today to check the status of the accounts ' dispute results and to my dismay, I still see these accounts reporting inconsistent information on my credit report. I have disputed this with the credit bureaus and now I'm on my fourth letter with them and this is still not resolved.

I have also disputed this account directly with the collectors and none of them are responding to my letters or taking any action to properly validate and correct the reporting of the account. This is a clear violation of the FCRA, any accounts that are reporting inaccurately must be removed from my credit file if credit reporting agencies are unable to correct or report the account 100 % accurate.

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 2021-05-07
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: Investigation took more than 30 days

Complaint:
I have reached out to Equifax several times about this matter and its been well over 90 days and I have yet to hear anything back from them. The last dated comply letter was XX/XX/2021. It is doin no good to keep reaching out to them as they don't comply with any regulation rules nor do they comply with their own rule and or company polices. I need help because this situation is destroying my credit worthiness and attacking my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Conn's, 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: Problem with personal statement of dispute

Complaint:
Conns keep updating my personal information on credit to all credit 3 credit companies. I had insurance on the products that I purchased but the merchandise was destroyed during Harvey ( hurricane ) Conns was notified by me immediately after. They changed it as damage due to natural disaster and put it back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: GreenSky, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Foremost the annual percentage rate is 5.99 % on the loan, they are claim that the interest rate is also 5.99 %. Based on the finance charge that they are charging me for the life of this loan is {$3400.00} or .3417 % on the {$10000.00} loan. They claim that they are charging me 5.99 % daily interest. If the daily interest rate is truly 5.99 % how does it equate to {$3400.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Preferred Collection and Management, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote few times and this site keeps kicking me off as I write a dept that's a total scam from a old XXXX cellphone I returned and gave the tracking number to both parties scamming collection agency and XXXX  witch said they received both cellphone with the tracking number I gave them but this collection agency said I still owe them XXXX I have ported my old numbers to a new cellphone XXXX. I don't owe anything and there wrong doing my credit report please get them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am on XXXX XXXX XXXX. Approximately XX/XX/XXXX I was having some medical problems and got behind on my credit card pymts to Capital One Credit Card. My husband switched jobs in XX/XX/XXXX & he did not receive a pay check until the middle of XX/XX/XXXX & that was only for 1 week. We were then behind on our other bills. Capital One was informed that I was on XXXX XXXX XXXX and could not pay my full pymts. I did advise them that I could pay approximately {$25.00} per month. I was advised by Capital One that they do not have a plan for me to pay {$25.00} per month. Capital One wanted me to pay {$75.00} to {$80.00} per month. I advised I could not pay that. Then Capital One said they would note the acct that I refused to pay my bill. I did not refuse to pay my bill. I refused to pay {$75.00} to {$80.00} per month. I get numerous phone calls daily from Capital One. Now Capital One has turned my account to a collection agency, XXXX XXXX XXXX. I have been informed that Credit card balances are not collectable from XXXX XXXX XXXX, however, Capital One says they are. Now I am going to be harassed by XXXX XXXX, XXXX Collections and possibly sued because Capital One refused to work with me on pymts. I have not made any pymts since Capital One refused {$25.00} per month. I am XXXX and I explained to Capital One that their harassment only makes my conditions worse. I don't know what to do at this point but I need the harassment to stop. Capital One employees are rude and don't care. I am still behind on some of my other credit cards as well but the other Credit Card companies are willing to work with me because they understand they can not collect on XXXX XXXX XXXX. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$17.00} PURCHASE AUTHORI ZED ON XX/XX/XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX   XXXX TX XXXX CARD XXXX {$17.00} cra violation i never wanted over draft protection

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 2019-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
BofA honored 3 fraudulent checks totaling {$6500.00} on XX/XX/18 for {$2000.00}, XX/XX/18 for {$2200.00}, and XX/XX/18 for {$2300.00}. We immediately froze the account when we noticed the fraud. BofA investigated and then denied the claim because they said it was " pin verified ''. I re-opened the claim with supporting documents proving my son was in school when transactions took place and included bank signature card that does not match my son 's signature as well as asking bank to check their cameras as fake checks were time stamped when fraud took place, another way of proving that my son did not make these transactions. My son had {$88.00} in his acct. ( he is given {$100.00} weekly for meals and expenses ), whoever committed the fraud put money in his account to make it look like he had {$2000.00} and then went to 3 BOFA  locations inside and cashed checks with teller. BofA also transferred {$4500.00} from another savings account of mine into frozen account because of overdraw, BUT, the overdraw is due to the investigation that is pending. They later returned the money into proper account. I have been waiting since XXXX of 2018 for a decision. I am a single mother, raising a boy in college with no co-parent. This has been a nightmare. BOFA has not been helpful at all. Can you please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25
Company: EQUIFAX, INC.
State: TN
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:
The information shared by three major reporting agencies was shared illegally. I have written proof and the remarks should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: BSI Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of a mortgage owed to bsi financial services. I have never sign and contract with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Loan was made on XXXX XXXX, 2017, but lender did not disclose that loan was a 30-day loan. Now when payments are made, they claim that payment is application for new loan. All payments were applied to interest only, which high interest was not disclosed to borrowers at the time of loan. Documentation was made on lender tablet and no time was given for borrower to read documents. Tablet was handed over with indication of where to sign. Same action was taken upon payment, tablet handed to borrower and signature required, indicating it was showing borrower payment. Later disclosed by lender that subsequent signatures were new loans. Only family vehicle was taken by lenders agents during the night with no attention to physical infirmary of borrowers, which had been disclosed to lender. Borrowers are 50+ aged XXXX persons who tried on numerous occasions to refinance loan at lower interest in order to pay on loan principal, but were denied assistance. All requests have been met with demand to visit store front, even though lender was notified borrower was hospitalized and has been for sometime. Co-borrower is needed at hospital and could not leave during lender business hours.

Company response to consumer: Closed with explanation