BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: Experian Information Solutions 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 am filing this complaint as an aggrieved man against Experian, XXXX and XXXX. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!

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 2021-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
Bank of America has put suspected fraud activity on my credit report and i believe its stopping me from opening a checking account ANYWHERE. I spoke with them around XX/XX/XXXX the date of account closure and the lady gave me a hard time so I stopped reaching out. They gave me an original charge off amount of {$32.00}. I cant get an account anywhere and Im quite frustrated with them because I havent been involved in any type of fraud. I also have account abuse ; any amounts owed have been paid for XXXX XXXX. The date of closure was XX/XX/XXXX. Ive paid the balance in full so I would like that off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: NY
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:
experian has a scam on my credit report and they have done nothing about it XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX you cant even call to see what it is a scam

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 2021-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
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:
Investigation took more than 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
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: Account status incorrect

Complaint:
When I initially open this account my due date was on the sixth of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company : XXXX Lakeview Please help us! 

You helped us in the past with this company. They used our Escrow money from our mortgage to pay taxes for a different lot #, Which lead us to receive several Delinquent Tax notices and notice our " DELINQUENT '' taxes would be auction off. 

After multiple attempts that I called personally to get this fixed. You reached out to them in the past which lead to them finally paying the 3 Quarters of taxes they did not pay. 

After we thought this was finally resolved. Our next Statements from Lakeview showed our escrow in a negative balance. So you call the mortgage company again ; they told us not to worry about it everything is fine and our account is update date. Now with the new year we get notified our Escrow account to go into the negative by {$3000.00}. Stating we have no escrow to pay our Taxes, etc.So they made our Monthly payments higher stating we have no money in our escrow account!! We pay on time every month. 

Accord to what I see here never fully fixed the first issue as they stated they did. Lakeview informed us it would come out of their own money. Since, it was them who used our Escrow money to pay another lot #. We noticed the money they so call paid our Town taxes with to solve this issue came out of our escrow again! Which lead to the negative {$3000.00} for us this new year. We never saw the adjust for the mistake they made never put back to our account. Each time we called they just told us " Yes, I see on the statement a negative balance. But in our records everything is okay and up to date. We just need to show that on the statements for records ''

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 2020-01-31
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is the second complaint I am sending about target ... when I made a payment over the phone with a representative on XX/XX/2019 for {$170.00} I was told my next payment is due XX/XX/XXXX.. 

Target has reported I am 30 days late on payment and that incorrect ... 

Please review previous complaint I have submited Please have them correct credit reporting I attached a screen shot payment was made and I am not 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is related to my home equity line of credit. I have a permanent late fee suppression that was supposed to be placed on my account. In XXXX due to a technical issue they started charging me late fees again. After numerous complaints they admitted their fault and fixed the issue and sent me a letter in writing admitting to their mistake and agreeing to fix the problem and never charge me a late fee again no matter the circumstance. But guess what, Wells Fargo is notorious for failing to live up to this obligations and promises and most recently as of XX/XX/XXXX charged me a late fee again. How is this bank allowed to keep its charter? They have committed fraud across a wide swath of their lines of business which they have actually admitted to, lied to its customers, stolen from its customers, and failed to live up to their obligations. Not to mention lied to the government and regulators as it relates to their cleaning up of past abusive, negligent, and proven fraudulent business practices. I have been damaged in so many ways by this bank but unfortunately since they are the servicers of my mortgage and home equity line of credit, i have to remain dealing with these unethical crooks. On top of that, they have failed to help me in my time of need and hardship to modify my mortgage to an affordable payment. That will be a separate complaint with detailed evidence of their gross negligence and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company involved in Gla. When tried to make arrangements, was told I owed a lot more money than was showing on credit report, and that I owed large amount in interest. I already was having trouble paying doctor and hospital bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently I sent a correspondence to Navient Solutions LLC regarding an alleged debt. I requested validation of the alleged debt in accordance with 15 USC 1692g, ledger/journals of Navient financials and the rescission forms regarding this credit transaction. Navient failed to validate this alleged debt. I was sent statement documentation and an incomplete application with personal information ( that I did not consent to Navient having or reproducing ) none of which bared my signature. Navient did not respond to my inquiries regarding the alleged debt. I informed Navient in that correspondence that I was in fact disputing their claim and to cease all collections until they were able to validate the referenced claim. Navient continually harassed me via mailings regarding the alleged debt, did not report that this alleged debt was being disputed and reported to credit reporting agencies that this payment was 90 days late. Navient also ( without consent ) shared my information with XXXX, who also requested that I provide payment to them for the same alleged debt with a different account number. My privacy has been infringed upon. Navient failed to provide proper documentation to validate their claim. Navient 's engagement in these abusive practices has injured my mental state, my credit, and my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX, my debit card information ( not the card itself ) was used fraudulently for 3 transactions against my checking account. Bank of America ( BOA ) notified me of the suspicious transactions, and I confirmed that I did not authorize/make any of them. 

BOA was able to outright deny one of the charges and then issued a temporary credit to my checking account for the other two. After some time, BOA credited my account for one of the two charges, but the other remained unpaid. After review, BOA determined that the 3rd transaction was valid and removed the funds from my account - {$600.00}. I called BOA and had them reopen the case for another review, since the charge was indeed fraudulent. In XXXX, BOA closed the case again, saying that the charge was valid. I called again to have them reopen the claim and sent in a copy of the police report that I filed back on the date the charges were made. 

The only reason I have been given for the denial is that my PIN was used for this transaction. ( I had my debit card in my possession and have never given out my PIN, so I am not sure how someone would get this information, except through a skimming device. ) The reason for denial is not make since, because the 2nd transaction ( a {$300.00} withdrawal from an ATM ) would have also required a PIN, and this was determined by BOA to be a fraudulent transaction. They have already refunded this amount to my account. 

It is important to note that both the {$600.00} and {$300.00} transactions took place only minutes apart from each other, in the same grocery store, in a town I don't live in - Just more proof that both transactions were fraudulent. 

I have made MANY calls to BOA to check on the status of this claim, since it opened in XX/XX/XXXX. Each time I call, I have to repeat my story from the beginning and am assured by the representative that they will assist me to resolve the situation, but as of XX/XX/XXXX, they have still not resolved the claim and refunded my account. This is a clear-cut case of fraud, but BOA seems to be waiting for me to give up the fight and appears to have no interest in looking at the actual circumstances of these charges, which obviously point to fraud. 

I would appreciate any help/advice you can offer in this situation. In the meantime, I will continue to check in often with BOA to see if any actual progress has been made. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06
Company: Ameritech Financial
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have received a letter from the Federal Trade Commission, informing me that the debt consolidator Ameritech is being sued for deceptive practices. I want to get out from this company which will harm my debt information.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-03
Company: EQUIFAX, 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 am filing this complaint as an aggrieved man against XXXX, XXXX and Equifax. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/22 I saw an offer on my account to activate " pay over time '' feature in order to receive XXXX American Express membership points. I took a screenshot of the offer and I activated the feature. To this day I still have not received the points, American Express denies this offer being on my account. I submitted the screenshot proof and they continue to deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I feel Advance Financial based out of XXXX Tennessee practices predatory lending practices.The rates they charge to consumers I feel in some states .I am in the state of Virginia making their borrowers impossible to repay back the loan.The company wont even allow you to pay back what you owe.Example loan taken out for XXXX.Balance should be about XXXX if you account normal lending practices for rates.They tell you your payoff is XXXXAlso They take out unauthorized ACHs out of your account for any amount with out providing dates or amounts to the consumer after being told that they would not take out any ACH payments.Not notifying their clients by any type of letter.Causing extra fees.This finacial institution falsely advertised fixed payments however in turn makes the interest rate so high if your a day late to make it impossible to pay back the loan even if you wanted to pay back what you owe.They prey  into people who are in informed with lending practices and fall on hard times and peoples desperation.They need to be monitored as to what they are charging people and unauthorized debits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
I am a XXXX year old XXXX Vet that operates a small XXXX XXXX XXXX from the basement from my home. I completed an on line form to receive a SECOND SBA PPP Loan on or about XX/XX/2021, however, due to being diagnosed with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, I inadvertently typed in my payroll figures based on a " weekly '' sum, however, I was unable to read the online form correctly, which asked for a " monthly '' sum, which resulted in being shorted {$30000.00} of what was to be my qualified loan amount. The bank, JP Morgan Chase, account only deposited 2.5 times the weekly payroll sum of {$7000.00}, rather than the {$37000.00} I qualified for, but due to my XXXX  in XXXX XXXX, I failed to read it correctly. I am the sole income earner in a family of XXXX, my kids are of college age, which I had very late in life due to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX that prevented me from having children in my first marriage. I sought to have this rectified by the bank, but in each and every instance, they stated, " sorry '' we can not assist you. I called the SBA which explained that the bank is in fact the lender and they were only guaranteeing the loans, and told me to seek help at a higher level, so I visited the bank and wrote to the CEO, but the branch manager, though sympathetic, couldn't help either and couldn't understand why the Chase PPP Department was not assisting me under these particular circumstances, however, they told me it was " too bad ''. I don't believe that I should be totally dismissed and not provided with the qualified loan, only because I am XXXX and made this error due to my XXXX XXXX. I have written to the XXXX and the XXXX XXXX XXXX as well, but this bank is so uncaring, I can't tell you, and I am in desperate straits, I have lost over 60 % of my ordinary income and in great debt, nothing I thought would happen at my age and circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # XXXX, has violated my right. 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 explanation