BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir, As per the Experian credit report dated XX/XX/2018, I observed that there are several fraudulent inquiries in my credit report. I do not have any business with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ), these are fraudulent inquiries, fraud and misrepresentation, which were not authorized by me and also without my notice and consent. 
I have no idea, what this company XXXX XXXX XXXX stands for, why did they do inquiry in my credit file, which are associated to my name, address, social and various identification details. I do not have nay business with XXXX XXXX XXXX XXXXnd any inquiry on name, social, address and various identification details are considered fraud, crime, misrepresentation and identification theft. 
Could CFPB direct Experian to explain the reasons in written letter for these fraudulent inquiries dated XX/XX/2018 of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, GA XXXX ). Could CFPB direct Experian to answer that why did this fraudulent inquiry made when credit file was locked on XX/XX/2018. 
Could CFPB direct Experian to remove these fraudulent and disputed inquiries of XXXXXX/XX/P& C ( Inquired on XX/XX/2018 ) from my credit report, which were not authorized by me and also these inquiries were done without my consent. 
Could CFPB store my this complaints in the data base, FBI records, FTC records, crime, identification theft and misrepresentation/fraud activity records. I do not have any business with these XXXX XXXX XXXX and fraudulent inquiries for last 12 years. Also, Experian credit file locked on XX/XX/2018 and there should not be any fraudulent and unauthorized inquiries in my file. I do not have any business with XXXX XXXX XXXX for last 12 years, they are harassing me and doing fraudulent inquiries in my file using my name, social, address and various identification details.

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 2018-10-25
Company: AES/PHEAA
State: CA
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 got the loans in XXXX. It's 2 loans : one with an original balance of {$6800.00} ( UNSUB ) and the other for {$6100.00} ( SUB ) with fixed interest rate of 4.625 % for both. I have deferred the loan up until 5 years ago and have been making payments for 5 years in the amount of {$130.00} total for both loans. I went paperless and also was on auto pay. I didn't really check up on the loan status and it was naive on my part for trusting the company. I recently logged on to AES now that they have an app. I was looking at the break down of each loan and it doesn't make sense. The difference between my original balance and principle balance for the unsub loan is barely {$200.00} and the difference for the sub loan is barely {$1000.00}. So in 5 years, I have paid them over {$7800.00} ( including interest ) and only about {$1200.00} went towards the principal balance ( total for both loans )? Thats absolutely insane! I looked up the payment history on my account and it only goes back till XXXX of XXXX. Also when I do the math for the payments that they claim went towards principal balance doesn't add up. They also claim I plaid {$4600.00} towards the principle balance, on the website, but again my total owed still doesn't make sense. I called them and they gave me some erroneous explanations I couldn't even comprehend and didn't really do anything to help me better understand. They basically told me to make bigger payments if I wanted to see a significant difference in the principle balance. I just want to know where all my money went and how they are making these calculations. If my original balance was {$13000.00} and I " paid '' {$4600.00} ( as they claim on my account ) then wouldn't my principle balance be less than {$11000.00} ( currently owed ). I didn't have this issue with XXXX ( who I finally paid off ). Also, AES says they are funded by XXXX ( when I logged on to the app ) and I called XXXX but they had no connection to AES and couldn't really help me out. Please help. I feel like calling AES again is a lost cause. I have been and still am burdened with other student loans and this is a very stressful matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt has been reported on my credit report by TWO different agency 's and ii have made several attempts to resolve this issue and all the agency does is send a bill and consider that verification and its not. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co owners of any account in the past.SO how can this debt be verified if it is showing up on two different individual credit reports with two different agencies this is getting very frustrating and I have been waiting more than the allotted amount of time for a response. The XXXX XXXX XXXX   credit agencies are reporting this information as verified but how if this is on my and my fathers credit report? So whos bill is it? these are things that a thorough investigation consists of and obviously if has not been done. According to the FCRA, If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BBVA FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, my name is XXXX XXXX. Early in the month of XXXX my identity was whats the Stolen. My account is simple, whats taking over in the perpetrator who is unknow .Cleaned out my account. I was working with simple to recover some of my funds through visa zero liability policy. I sent them all the legal documents I could advocating for myself. My first claim was closed and the second claim when I reasserted the claim. That is not my primary purpose of writing to you. I had another problem with their service on the XXXX of XXXX I was informed through in writing communication that my account was open to receive my pre-scheduled direct deposit for the incoming transfer scheduled to be posted on the 1st. Upon opening my account with them I agreed to their disclosure where it was stated that it is their duty to correct electronic transfers and compensate for any damages that their error has caused. One representative XXXX I spoke to said the department would reach out to me in the future. Unfortunately I know longer have that message from XXXX in our logs on there site but i will attach proof of conversation as well as evidence that leads to curoberate that the bank intenually made them not available for a unknown reason. To conclude due to simple negligent misrepresentation I went 17 days before being able to access those funds. In the midst of all that I was past due on my rent and electric due to simple banks ruling against me. I would like to note I made a report with FTC for my identity in regards to my identity being stolen, fbi and contacted one of the merchants and their response in our communication was that they would work with my bank to refund me. I will attach all the documents in regards to the dispute at a later time, if necessary but simple should have them. Due to my finically hardship I went hungry, not just me my cat who is my therapeutic aid. And I had to take out a loan from a friend to paympay off my rent and electric.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Nelnet, Inc.
State: NY
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:
I spoke with Nelnet and advised them that my loan keeps going up even though I was making payments each month on time. They told me that I would need to go into a higher repayment plan ( standard repayment instead of graduated repayment ) in order to have my payments go towards my principle. I am making payments now and am having the same issue. My payment amount is {$280.00} per month and I am paying {$300.00} and my payments are still not being applied to principal. I do not see how this is ethical. All of my other loans that I pay, I pay the same way, however, I am actually lowering my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You've paid off -33 % of your collection amount. 
Balance {$4500.00} Highest Balance {$3400.00} Opened XX/XX/XXXX ( 4 yrs, 10 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You've paid off 0 % of your collection amount. 
Balance {$2900.00} Highest Balance {$2900.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Account status Open Type -- Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX   AKA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX You've paid off 0 % of your collection amount. 
Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of a signed lease etc, ( being that I know there is not one ). I am aware that as of XX/XX/XXXX all civil judgements should have been removed from credit reports in which these three have not. I am requesting these three be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX, and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to leave he creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgments. Eviction judgements such as forcible detainer and unlawful detainer judgements, are civil judgements, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
Home Depot credit services called on XXXX XXXX, 2017 saying a payment was overdue. I told the person on the phone I had NOT received a statement from Home Depot. They insisted I make a payment over the phone, so without a statement to review I went ahead and gave them my XXXX XXXX checking account information to pay the balance in full and close my account. A couple of weeks later, I received a letter from Home Depot stating my payment was refused by XXXX XXXX. I knew this could not be true the charge was {$290.00} dollars, I immediately went to the local branch of XXXX XXXX they had no record of a transaction being declined on my account EVER. I then went to the local Home Depot customer service to straighten out the error it seems the person that called on XXXX XXXX  from Home Depot credit services did not enter my account information in correctly which resulted in XXXX XXXX being unable to process the payment on XXXX XXXX. Home Depot switched my statements from paper to estatement without my consent or knowledge with caused the late payment. Home Depot 's credit card services entered my checking account information incorrectly causing my payment which was one day late not to process. When I noticed a XXXX point drop on my FICO score I  called Home Depot 's credit card services and was asked by the person on the phone, what do you want me to do about it? I am considering cancelling my Costco membership and Citi savings account due to this unpleasant experience.

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 2019-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Recently, I discovered a check misfiled in my safe. It is dated XX/XX/XXXX,  drawn on Bank of America. When I visited with Branch manager at local Bank of America, I was told to obtain Letters of Testimentary, which I did. When next contacting bank President, I was told that Banks were only required to keep records for 7 years, that she couldnt help me. 

I would like to ascertain where this money has gone. I am XXXX years old and need the money. Can you help me? 
Thanks for any help you can provide. 

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 explanation
Consumer complaint received 2021-05-23
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never get a payment is due notice to my email. This feature is turned on in my account. I also only request electronic mail. After I paid my minimum due payment early and then I checked my account it showed {$0.00} due payment. Target then deducted an additional {$35.00} from autopay without my knowledge. Because there was not enough money in the bank I was charged XXXX overdraft fee. All my bills this month were paid thats why I was stunned to see this. All I got from target was an apology. This is not the first time this has happened. Also some of their employees give out wrong information regarding this problem. When I pay the minimum due early I am paid until next billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
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:
My bank card was used to buy a {$100.00} gift card without my authorization : XX/XX/16 XXXX XXXX- XXXX XX/XX/XXXX # XXXX PURCHASE XXXX XXXX- XXXX XXXX XXXX CA 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 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-05-04
Company: Experian Information Solutions 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:
SHOWING INCORECT INFORMATION BALANCE WITH 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 2020-08-26
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late. 
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been. 
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this time

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 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately 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 explanation