BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My problem is with Band Of America. I discovered about 90 minutes ago, that I have been a victim of credit card fraud on my BOA business card. I immediately called the number on the back of the card, which upon first call said that due to high call volume, my call could not be taken at this time, and to call back later I called again, and was supposedly transferred to the fraud dept, but was actually put on hold for 16 minutes, and it did not seem like I really was on " hold '' because there was no music playing and no messages about hold time- just nothing but no sound at all. So next, I tried to log onto the website, and that would not let me on either. When I entered my usual info ( ID and password ) it would try to load ( a circle went around ) but then I would be thrown back to the sign in screen to start over, only to have the same experience! I tried another number on their website, which only led me to having to listen to an offer for a " free '' medical alert device, in which I have no interest. It never allows me to actually speak to a customer service representative! Bank of America is beginning to seem like one big fraud itself! Please help me!

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 2018-03-21
Company: Navient Solutions, LLC.
State: SC
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:
My wife and I consolidated our student loans in XXXX and made our first payment on XX/XX/XXXX. We borrowed ( consolidated ) {$21000.00} for the total amount. The interest rate is 8.125 % and is daily accruing interest. Though we had several periods of forbearance, we have paid a total of {$32000.00} in total with only {$6900.00} applied to principal and {$24000.00} of interest and {$750.00} in late fees. We STILL OWE {$25000.00}. Something just doesn't seem right with paying this much and getting nowhere. 

We just made a call to Navient ( XX/XX/XXXX ) to get some explanation and the numbers did not make sense when the representative was attempting to explain. He said the interest was computed differently on one payment we were discussing because of the time of year it was when we made the payment.Once my wife called and they overcharged us on a late fee by {$12.00}. She only caught it because something did not seem right and she was tracking our account daily. We do not have the time to check behind Navient daily to see if they are doing something not right. We even pay about 10 days early now and it does not make a difference in the amount that goes to the principal. I just can't understand how we borrowed {$21000.00} and will be paying back {$57000.00}. Please help us find out what is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: IL
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:
Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.

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 2019-04-19
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX sent a physical paper mailer to an address of my employer, which is not an address I have ever used or entered anywhere, so this indicates they are crawling the internet and collecting incorrect, private information. The mailer they sent out promises " FREE STOCK '' and other dubious claims, which indicate this is very likely a ponzi scheme scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My wife and I have a credit card with Citi card. We just realized that we were being charged for their " payment safeguard '' program, which they applied to our card in 2005 without ever notifying or asking permission. This is supposed to be an optional program, yet they were able to leach thousands of dollars from us before we knew. We cancelled it immediately and requested a refund for the services we never received or even approved. They claim we agreed to it over the phone, but can produce no record of it. We've been desperately trying to pay off our balance and I feel their company has been stealing from us the whole time and essentially making it impossible for us to get out of debt. They also claim the point of the safeguard feature is to protect you from late fees if you miss payments due to hardship, which I have and still had to pay extra fines. The whole process seems completely illegal to me and I believe we deserve to have that money credited back to our account and applied to our substantial balance that we are still paying.

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 2021-11-04
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This has been an ongoing problem with end in sight. I was involved in a car accident, where I was rear ended and my vehicle was a total lost. The insurance company paid off my car loan and everything was clear. After the car paid, I see this charge on my credit report. I contacted the loan company, they informed me that the charge was sent to collection and they had no information about the loan. I filed a complain with the credit agency and this is the result, " Charged off as bad debt Account information disputed by consumer, meets FCRA requirements ''. 

I have no idea what to do, I have asked for a bill, to explain this additional charge and have not received anything. I did not receive a statement from this loan company after the insurance paid them off. 

I ask for assistance in this matter. The loan company is refusing my request and continuously put me on hold and disconnect the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by XXXX activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to XXXX Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster.

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 2018-10-18
Company: Experian Information Solutions Inc.
State: AZ
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 disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-02-10
Company: Credit Karma, LLC
State: NY
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 have never signed up for emails from Credit Karma.

Credit Karma sends me frequent unsolicited and deceptive/incorrect emails alleging that my credit score has decreased, that I have missed payments on accounts that I do not have, that I have opened new accounts that I have not opened.

I understand that Credit Karma earns revenue by showing advertisements for financial services ( such as credit cards ), so I have avoided responding to their emails because I have not solicited their services and do not wish to provide revenue to a firm engaged in these types of business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am being refused a bank account at any of the major banks because of information BANK OF AMERICA is giving out to when ever I tried to open an account.i have spoke to bank of XXXX representative and was advised I could never have a relationship with bank of America, I also ried to open bank accounts at XXXX, XXXX XXXX and was told BANK OF AMERICA has some type of block against your name and ssn in the banking environment and only they can remove it ... this is discrimination in the fullest, very unfair treatment..My identity was manipulated during XXXX XXXX thur XXXX 2017..their is some fraud on a account that was in XXXX ... Its XXXX as a consumer should have the right to open a bank account per CONSUMER LAW AND CONSUMER PROTECTION AGENCY AND THE FAIR REPORTING ACT

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 2020-05-05
Company: Synovus Bank
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for first progress XX/XX/XXXX, they immediately took the money out of bank account and I paid the XXXXrush fee to receive my card in 3 business days the application stated when my money clears I will receive my card I paid a total of {$210.00} and I would have XXXX on my card. Today XX/XX/XXXX I still have not received my card? But I will be paying interest on card I have never received or used due to this card it arriving in time I can not the company unless I write to them which will delay this process even more how am I ever going to resolve something without phone contact? I contacted my bank to see if I can dispute to get my money back and close the card I do not want at all now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since opening my account with PNC Bank I've had many issues, especially after applying for an XXXX XXXX position! The extra ATM Bank fee of {$3.00} is Federally illegal, and they state XXXX didn't input the {$57.00} into my account, but they never released funds on XX/XX/XXXX, or XXXX, an so the bank issued a provisional credit, after I received the credit and spent monies they state provisional credit was removed by bank. I received a letter post marked XX/XX/ stating PNC is withdrawing {$57.00} from my account, on XX/XX/XXXX this was done, and {$7.00} overdraft fees daily on top of {$36.00} overdraft initial fee due to XX/XX/XXXX taking back the {$57.00} due for merchandise I never received! How can this be legal? I called FTC to file complaint and received a letter postmarked XX/XX/, yet I didn't receive this letter till XX/XX/XXXX Seems to me PNC Bank, and FASFA not paying for transcripts, XX/XX/XXXX, and every higher education facility is against XXXX XXXX and using crooked business tactics, social prejudices to hinder our businesses!!! Please investigate, stop PNC from their extra charges including extra ATM Fee out of network use fees, and include me in on any class action lawsuits? Thank you!!! 

From : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.

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 2020-12-17
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:
I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on 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 explanation
Consumer complaint received 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I have requested an investigation on XX/XX/XXXX in regards to my account with Capital One Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: MI
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 recently did a refinance of my existing mortgage in order to lower my interest rate ( and lower my monthly payment ) and to get cash out to pay down existing debt. As a result I was able to eliminate 3 credit card balances and a personal loan for a total of over XXXX dollars. 

On XX/XX/2020 my credit score dropped 28 points to XXXX which is where it stands as of today. This is inaccurate and I want my report to reflect such. I don't believe a 28 point drop accurately reflects the elimination of over XXXX in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
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 received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$410.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this with R XXXX XXXX and Associates requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. XXXX XXXX XXXX XXXX XXXX requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.

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 2018-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It happened on XX/XX/18 that I received a email saying my credit score dropped 44 points. I have no idea how this happened I bank with capital one and I never once missed a single payment with my credit card nor my truck note which is {$720.00} a month. My credit card max is  {$300.00} and it was at {$280.00} the payment wasnt do till XX/XX/XXXX. So I waited till a closer date to pay it thinking it would help out my score which I dont know if its true or not cause I know so little about credit. But I always paid couple days ahead of the payment date with my credit card. Which I did pay it off on XX/XX/18. I was wondering if you can please give me back those 44 points you took from me cause I always paid my bills on time or ahead and I really dont know what I did wrong but I need my credit score to be where it was cause I believe I didnt do anything wrong by not going over my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The XXXX XXXX account in the attachment was closed in XXXX of XXXX with a {$0.00} balance but, Equifax and XXXX  is reporting 3 late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has fixed the issue when I brought the inaccurate information to their attention, XXXX  and Equifax refuse to do so. I have contacted XXXX XXXX XXXX  several times about the issue and each time they told me that they made a mistake and told me that they would remove the lates, they just wanted me to file a dispute with the credit bureaus. I have filed several disputes and this issue is still not resolved. The inaccurate late payments continue to report. XXXX  has removed the late payments but, XXXX  and Equifax are still reporting this wrong information. I was never late! The account was closed and paid in FULL. NEVER LATE. Please remove the late payments from this account. I am at the end of my rope, I'm trying to buy a house and this inaccurate information is stopping me from being able to do so. Remove the late payments immediately!

Company response to consumer: Closed with explanation