BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2019-06-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I demand under FCRA and FCDPA LAWS, VERIFICATION OF VALIDATION OF PAYMENT HISTORY DOCUMENTATION AND DATES & NOTORIZED DOCUMENTS OF RIGHTFUL OWNERSHIP OF XXXX XXXX XXXX OF ALLEGED ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted this complaint to the Better Business Bureau originally but the company never responded to the complaint. 

Portfolio Recovery is violating the laws by inaccurate credit reporting Portfolio Recovery is attempting to collect a debt from me as a collection agency. They are reporting on my credit report as a " factoring company '' and also reporting this account as " open '' and reporting late payments. A collection account is not allowed to be listed this way. This is a violation. I have copies of my credit report to prove that this is how it is being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in the process of XXXX, and my loan counts were supposedly updated following the waiver from the XXXX administration. However, only some of the payment counts were updated, while others are languishing with incorrect intelligibility information. I filed multiple complaints with the servicer, FedLoan, and nothing has happened. I have a long list of payments that are labeled as " no bill was due at this period '' except my loans have been on autopay for 7 years. The only time payments were drawn was when FedLoan or previously XXXX withdrew a payment. The discrepancy between current payment counts, and updated counts, would bring me three full years closer to loan forgiveness, which would save my family more than {$25000.00}. I even submitted a FOIA request with the government but never received a reply. I'm at my wit 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Patenaude & Felix A Professional Corporation
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
National collegant student loan has XXXX XXXX XXXX  continuing to get court orders to garnish my moms paycheck we have never gotten a summons to appear in court and it was included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
i had bad credit reason child support outstanding {$5100.00}, XXXX phone bill outstanding {$1000.00}, XXXX credit card outstanding {$2000.00}, XXXX  electric bill outstanding {$2500.00} federal tax lien XXXXoutstanding balance $ XXXX XXXX  federal tax lien {$30000.00} my drivers licensed # XXXX still suspended in XXXX XXXX XXXX XXXX and XXXX dl # XXXX suspended nationwide santander consumer usa could not approved a retail installment sale contract no dealer number no contract number wrong address of buyer XXXX correct XXXX XXXX XXXX XXXX XXXX XXXX md XXXX wrong name of seller XXXX if XXXX XXXX XXXX forfeited business licensed. contract federal truth-in-lending disclosures annual rate 17.07 % with credit score XXXX at XXXX years old. finance amount {$10000.00} vehicle price {$10000.00} vehicle amount finance {$19000.00} total of payments {$30000.00} total sale price {$33000.00} monthly {$410.00} beginning baby boy XXXX stolen at XXXX from southern maryland hospital in XXXX md on oXX/XX/XXXX1978 child is still missing invalid contract block print XXXX of XXXX XXXX XXXX no seller signature by no name or signature or title law form no. XXXX santander in default of {$19000.00}, pay off {$18000.00} conduct the fbi

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: United Student Aid (USA) Funds
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
a company by the name of XXXX XXXX XXXX XXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in XXXX and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reviewed my consumer report and still find fraudulent accounts being furnished to my consumer report. This is causing great harm to my credit standing.

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 2022-03-09
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:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/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 2022-03-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had to file bankruptcy in 2013 after losing my home due to the predatory mortgage crisis. 

It has now been 9 years. XXXX removed this off my credit report. I requested to XXXX and they removed this from my credit report within the hour. 

I requested Experian remove this and I disputed it. Experian states this is valid and " it remains. '' I am not disputing the validity. 
I have requested they remove it because it's been 9 years and I am still being penalized with higher interest rates.

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 2022-08-05
Company: EQUIFAX, 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:
EQUIFAX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means EQUIFAX didnt exercise there grave responsibility to my consumer report. EQUIFAX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed EQUIFAX in writing to furnish this report and never consented to this report of XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX as well as XXXXXXXX XXXX INQUIRY ON XX/XX/XXXX and XXXX XXXX XXXX  INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So EQUIFAX just assumed that EQUIFAX could report this and EQUIFAX never had my permission and stole my identity to report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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: Can't stop withdrawals from your account

Complaint:
I purchased an XXXX coffee machine from XXXX XXXX online at XXXX XXXX XXXX on XX/XX/XXXX. It has now been over a year, and they have not delivered the product in the timeline they originally promised. I asked for a refund on XX/XX/XXXX, after numerous broken promises to me about the shipment date. They said they would issue a refund, but they did not. 

I contacted my bank, Bank of America, who says that I can not even dispute this debit card charge with them, because it's over a year old. 

Since XXXX XXXX XXXX failed to deliver their product to me in the original promised timeline, I asked for a refund. I should get a refund in full from XXXX XXXX XXXX or Bank of America should reverse the charge to my checking account. I no longer want the product, as I do not trust this company any longer.

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 2022-03-09
Company: ID Analytics, Inc.
State: CT
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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows and is not mine XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-11-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, we are having challenges with Synchrony Bank/JCP ( the Mastercard company for JC Penney ).
The have charged unauthorized *Card Security Fees of {$30.00} per month* for 78 months. ( approximately {$2300.00} ) We have only just discovered this. The total of the fees exceeds the amount we owe the company. Synchrony/JCP says they will investigate and it may take up to two weeks. 

**Additionally we have paid interest fees as a result of these card security fees. We believe the fees have cause us to pay unnecessary interest. 

When we called the number associated with the fees they say they have " no enrollment in the system '' under this account number or name.

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 2017-11-03
Company: AFNI 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:
I received a letter in the mail dated XX/XX/XXXX from AFNI regarding the collection for a XXXX account. Before I could have the chance to dispute the collection and obtain validity the company placed it on my credit reports XX/XX/XXXX. Normally you have 30 days to obtain validity with the company. This was my 1st notice I have ever received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX did not delivery for 6 months after tank empty. Company contacted number of times. No amount due on account. Obtained survice from another company. Other company installed tank and moved XXXX tank next to road for pickup. 

I informed XXXX at time of switching service leaving message on their phone. I informed delivery truck when it arrived and again asked to pick up tank. I spoke to XXXX a number of times on phone. 

I am continuing to receive tank leasing bill, not from Radius Global Solutions LLC

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 2022-03-09
Company: ID Analytics, 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:
THESE ACCOUNTS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Prior to buying my house on XXXX, XXXX, 2013, my rate was locked in at 3.80 % with Wells Fargo. I bought a XXXX XXXX XXXX XXXX home, and only needed to put 3 % down. With all said and done, I ended up walking away with {$890.00} at closing for credits and other items. 

As my closing date got closer the mortgage agent kept increasing the rate because of numerous reserve requirements and fees. One increase for .125 % was for a reserve requirement that was supposedly short by {$110.00} that they would cover and increase my mortgage rate. I asked if I could go cash my change in at the bank and deposit it to cover it, and he said no as he needed a monthly statement showing the amount and would not have time for next months statement before closing. Incidentally, .125 % at the original {$160000.00} mortgage for just one year is {$200.00} in interest. There were a few other reasons, but at the moment do not remember all of them. Nonetheless, I felt pressured into saying yes to the increases or I would not get the loan. At closing the interest rate was now 4.25 % with all the extras he " had '' to add on.

Then, when closing day came around, the agent and the underwriter were both hard to get a hold of, and we had to push closing back two different times. Finally, on the 3rd try, we signed and reviewed the papers in 30 minutes, as Wells Fargo notified us at XXXX that the papers were finally ready, which left little time to get the lawyer and title company sufficiently ready. It gave me little time to double check my mortgage or even question anything. As a first time home buyer, I felt as if I was taken advantage of. 
With all said and done, I ended up walking away with {$890.00} at closing for credits and so forth, which made the interest rate increase seem even more suspicious. The whole process seemed somewhat abnormal, and feels like it was predatory lending now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi Priority Checking account advertised that if terms are met that XXXX AAdvantage bonus miles would be awarded as a 'sign up bonus '. The terms to be met are " When you spend {$750.00} worth of debit card purchases and make one or more qualifying bill payments for two consecutive months. * '' according to the advertisement. 

The checking account was opened on XXXX/XXXX/19. The {$750.00} minimum debit card spend was met on XXXX/XXXX/19. The two bill payments were made during consecutive months. First on XXXX/XXXX/2019. Second transaction date XXXX/XXXX/2019. All terms were met within the allotted 60-day window from when the account opened. 

I reached out at two points during the process to confirm that terms are being met and was assured that I was " ... good to go! ". As of XXXX/XXXX/19, I have not received the incentive for opening this account and have been assessed fees associated with the 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