BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

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 2020-01-31
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
l. Loan originated predatory based on the ethnicity. XXXX XXXX targeted for variable interest rate loans. 
2. Loan is over 30 years old with no delinquency on payment history yet the balance of the loan has not reduced as payments were made. 
3. Loan was sold to various servicing companies and several times it was requested to have the loan converted into a fixed rate mortgage. However due to appraisal value based on a predominately XXXX neighborhood was told the home did not have enough equity, We didn't want any equity back just a fixed rate. 
4. Now retired with less income and still never showed any delinquency in the payment history, Never was provided any options to adequately convert loan into a fixed rate to pay down the unpaid balance. We asked about the possibility of a short sale for the home. We considered just signing the deed back over to them and walk away but our credit would be affected. 
5. Original VA loan was serviced by XXXX XXXX. Other companies servicing the loan was XXXX XXXX, XXXX XXXX, Nationstar and now Mr. Cooper. We are not sure of the order of the companies, Last week after doing just a little investigation, we found out about a foreclosure that was found a then reversed but it was still in the court records. At no time were we ever delinquent on this loan. 
6. We need a breakout of how monies were applied toward outstanding balance and escrow balance. The lender 's name is Mr , Cooper Loan # XXXX XXXX The property address is XXXX XXXX XXXX XXXX NC XXXX Parcel # XXXX XXXX XXXX Please leave a message. XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: LEXISNEXIS
State: LA
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:
Was not able to get consumer file online with lexisnexis attached is letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, I have sent numerous letters to XXXX regarding the accuracy of this charge off appearing on my credit report. Attached is the last XXXX I sent back in XXXX. The company could not find or locate my account nor verify that the account actually belongs to me. I respectfully request the removal of this charge off on your end based on the violation of the FCRA. The account number is 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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.

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 2018-04-14
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: Information belongs to someone else

Complaint:
Credit report from XXXX through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
During the closing process, I truncated my account number in the wire instructions. I discovered the issue after the wire had been originated by XXXX XXXX XXXX. I called my bank, JPM Chase, to see the status of the wire and if it could be corrected on their end by their wire department. 

I have had to call multiple times and they are unable to provide a status or a consistent answer to resolve the issue. Communication with their customer service department is difficult and they are unable to contact the wire room to resolve. I have received multiple different responses and instructions. Either their policy and procedures are deficient or they are not consistently following them with regards to handling issues with incoming wires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Gap # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022, I completed an application to open an XXXXInherited IRA XXXX with Merrill/Bank of America due to the death  of my mother. I was initially asked for a copy of my driver 's license and social security card which I provided. They also asked me to confirm any dollar amount of an auto loan debt or credit card that I currently owned- which I confirmed. 

The Representative asked me if I was currently employed and I explained to him that I was not at the time. The representative asked if I was previously employed and I explained to him that I was. I provided to him my last paystub that also had my current address on it. 

In addition- he asked if I could provide a utility bill and I explained to him that I am currently living with a relative and that the utilities are not in my name. He then provided a list of documents that I could select from for address verification. I chose the 'W2 ' option which I provided him a copy of. 
I received an email yesterday XXXX, 2022 asking for additional information. I now feel that I am being discriminated against.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card number was stolen/compromised ( not the physical card ). I tried calling BOA on XXXX to request a replacement card. The associate sent a code to my cell number, and, unfortunately, as I was going to retrieve it I accidentally hung up the call. I immediately called back. The same thing happened. I have a new phone and have limited abilities in my arms ( XXXX ). The third time I called they said to use the mobile app. I said I couldnt because XXXX XXXX and did not want to incur fees, but I had multiple verified numbers on my account that could be attempted. I asked to speak to a supervisor. The supervisor hung up the call on me. I bit the bullet and called through the app. I have the number to prove it, as the automated system dialed for me and dialed additional numbers to the regular BOA number as well. The lady immediately answers the phone saying I need to call through the app. I told her I did that, and she said I did not. I let her explain to me how to call through the app ( the same exact thing I had just done ), hang up and call again through the app. The person then says that I have not called through the app and need to visit a branch in person with XXXX forms of ID. This would be mildly OK, although still incredibly discriminating towards people with XXXX, except for the fact that I am currently abroad in the XXXX and will not be home for months. 

I gave it a break and called back in a few hours. The man I spoke with was kind and said to call back in 24 hours and they would be able to try to authenticate with another number on the account then. 

I did that, and the lady says I need to go in person. She then says she can not authenticate the other numbers ( for absolutely no reason ) and says to call through the app or try again in 24 hours. The absolute JOKE is that BOA has locked my online account, so I CAN NOT LOGIN TO CALL THROUGH THE APP. When I asked to speak to a supervisor, the agent hung up on me again. 

They are absolutely refusing me service, withholding account information, and potentially opening me up to further fraud because I have absolutely no idea what is going on with my account. 

They refuse to authenticate my account through my email address or other phone numbers THAT BELONG TO ME that are registered on my account, through my billing address, full name or social security number. They tried authenticating my account ONCE and then proceeded to completely lock and kick me out of MY OWN CREDIT CARD ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On the night of XX/XX/XXXX my Bank of America account was charged for a total of {$300.00} at several shops where I do not shop ( XXXX XXXX, XXXX location I do not shop at, XXXX and XXXX 's XXXX. My debit card number was stolen and used without my authorization. I submitted my claim through the proper channels and my claim was denied, despite their advertising that my account is protected from unauthorized purchases with " Total Fraud Protection ''. 

On the denial notice Bank of America sent cited that my claim was denied because I had " authorized the charges '' but this is simply not true. In fact i was made aware of the charges because Bank of America 's software froze my account because the spending pattern was unusual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Submitted PSLF application in XX/XX/XXXX and was told I needed to make 84 more payments. Resubmitted application in XX/XX/XXXX and was then told I needed to make 36 payments. I have worked full-time for a XXXX for almost 15 years XXXX through XXXX and only needed to work for 10  years to receive forgiveness for my loans in the PSLF. I requested help with XXXX and they recommended I submit a reconsideration which was submitted on XX/XX/XXXX. 
XX/XX/XXXX - Completed reconsideration of PSLF with XXXX XXXX XXXXXXXX. 

Since this time, I have had no communication regarding the forgiveness of this loan or the receipt of the reconsideration. I have also applied for the SAVE program since waiting for a determination since I am currently unemployed. 
I contacted XXXX once again for help and they gave me this option to file a complaint about Mohela and Student Aid.gov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am in need of a a full declining balance payment history for my active loans. 
I have, over the course of 11 months now, been alternatingly told that it isn't possible and that is IS possible and will be in the mail in 30 days. I have never received this information. 

I have been told by other folks in the industry that " a full declining balance payment history '' is exactly verbatim what I should ask for, and that it does exist. This would be the full history since the loan ( s ) were disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account XXXX : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2021-07-05
Company: NAVY FEDERAL CREDIT UNION
State: WA
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:
I have previously submitted a fraud claim to Navy Federal Credit Union for all of the transactions that were charged to my credit card between XX/XX/XXXX - XX/XX/XXXX totaling {$27000.00}. For NFCU to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a submarine in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX  during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXXXXXX XXXX XXXX XXXXo suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from NFCU and allowed her to change my passwords all while pretending to be me. She also did this with my XXXX accounts. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from NFCU ( SMS code XXXX ) were received on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a XXXX XXXXXXXX / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and with this new information that I have provided both XXXX XXXX and XXXX XXXX Department Store has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to 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 2016-02-22
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i got a car loan from santander usa cosumer in XXXX have paid over XXXX to the interest and nothing towards the principal., they have reported to the credit breau that i owe XXXX on my truck, i have seen so many bad reviews on santander, I am no longet giving them any more money, its no way the interest is more than the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Send the company a letter in regards of late payments show up accumulated during the pandemic. Demand them to remove it and it be more then 45 days this company has not responded or hasnt removed the late payment. 
According to the CARES ACT Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et. seq., this is violating my rights as a consumer I ask for you to remove it immediately with a copy of the update or removal thank you. I havent received anything and I have gave this company more then a timely 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