BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax contacted XXXX XXXX XXXX  stating I filed a fraud complaint with their agency disputing a credit line of {$300.00} opened without my authorization which is false. XXXX XXXX XXXX suspended all access to account paid on time. 

Equifax acts resulted in closure of a good account while I am in a mortgage purchase process with a closing date of XX/XX/2019. XXXX XXXX XXXX will not reopen account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We leased a new vehicle from XXXX XXXX  XXXX through american honda finance on XX/XX/XXXX. We turned back in our previous XXXX XXXX for a new one. The dealer advised that the excess mileage fee would be waived if we leased another vehicle. I looked at the account on line and saw a charge in the amount of {$440.00} which was comprised of {$410.00} for excess miles and an additional {$29.00} for the taxes on that mileage fee. We called XXXX on XX/XX/XXXX to discuss and they advised it was due and would not be waived. We advised we have purchased many vehicles through them and also that the dealer advised it would be waived based upon our new lease. We were placed on hold then advised by the rep that we did qualify for a waiver of half the fee due to our new purchase. If so why were we billed for the full amount? I would like the balance of the fee to be waived based upon what we were advised by the dealer as well as our continued relationship with purchasing through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This company is reporting me as late but my payment has been made and credited to my account.They are still showing me as owing over the credit limit but my bill is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
I had previously filed a CFPB complaint on American Education Services of XXXX, PA concerning the incorrect report of past-due or delinquent payments on my daughter 's student loan account with them, for which I am the co-signer. 

The issue in question involved AES 's inappropriate payment application of payments I made from XX/XX/XXXX to XX/XX/XXXX to my daughter 's student loan account when they should have been posted to my co-signer account. At the time I made the payments, I didn't know ( nor was I informed by AES ) that I had a co-signer account number different from my daughter 's number. 

After my first CFPB complaint, I received a letter of dispute findings from the Office of Consumer Advocacy at  Pennsylvania Higher Education Assistance Agency ( PHEAA ) dated XX/XX/XXXX. PHEAA conducts student loan servicing operations through differently named companies, one of which is AES. A copy of this letter fro

m PHEAA has been uploaded. PHEAA, in
their XX/XX/XXXX letter to me, seemed to indicate to me that AES had corrected the application of the payments I had questioned and actually indicated that my account was now in a paid-ahead status until XX/XX/XXXX. PHEAA also noted that AES had submitted updated information to the consumer reporting agencies to which the negative information had previously been reported. That was great news as it was exactly what I hoped to hear. 

Nonetheless, in a different letter dated XX/XX/XXXX, AES informed me that they had researched the relevant account history and documentation of my credit dispute and concluded that the negative information they reported was accurate. This XX/XX/XXXX AES letter totally contradicted the prior XX/XX/XXXX letter from PHEAA. A copy of AES 's XX/XX/XXXX letter has also been uploaded. 

My problem with all this is that I am currently attempting to obtain a mortgage loan on a new house that is under construction. The derogatory remarks made by AES on my credit have lowered my score just enough to put me at a level that increases my quoted interest rate by as much as 50 basis point. Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated telephone calls from Transworld regarding an alleged medical debt that I never had notice if and told them did not think it was mine. When they asked for personal information, I told them that I was concerned the call was a scam. The woman said she would note that I refused to provide information. They would not verify any details about the debt even after I provided them with my full name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received a letter in the mail as a response to my debt validation request. AR Resources, INC did not provide me a HIPAA release form that releases my medical information to them. Therefore providing me with medical records is a violation of my HIPPA rights. I am a litigious individual and I am willing to seek legal remedy to file suit against AR Resources , INC . I am also willing to file a complain with HHS and OCR for the violations of my HIPPA rights. I urge AR Resources, INC to take this serious and to remove this debt from my credit report. AR Resources INC does not have permission to contact me by email, phone, or us mail. All communication is to be done through this cfpb portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA 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 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I opened an account with Capital One back in XX/XX/2017. I make a monthly payment of $ 600-700 month on this account, but despite that, my balance continues to go up. The credit limit is only {$3500.00}, but Capital One now says I owe them {$5600.00}, which is {$2000.00} over the credit limit. On multiple occasion, I have requested a detailed explanation on this account to explain how I could owe more than {$2000.00} over the credit limit, when I have made loyal payments for month. Capital One refuses to supply me with that information, and have now started reporting my account late on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with XXXX. After Hurricane Irma, I contacted XXXX who offered a forbearance. They offered 3 options. One of the options offered was to have three months payments moved to the end of my loan without penalty. this is the option I chose. This was all done on the telephone. I did not make my next payment thinking that it would be moved to the end of my loan.
Within a couple of weeks, XXXX sold my mortgage to SLS ( Specialized Loan Servicing LLC ). When I contacted SLS, they advised that at the end of the forbearance a balloon payment for any payments missed would be due. They advised that moving the payments to the end of the loan was not an option. I asked if SLS was going to honor the offer from XXXX. they advised that they did not have anything from XXXX saying that they were allowing payments to be moved to the end of the loan. I contacted XXXX ( XXXX @ XXXX, XXXX  XXXX ). XXXX advised that moving the payments to the end of the loan was, in fact an option they offered and SLS would be required to honor the offer. I have now missed a second mortgage payment and SLS is saying that they are waiting on XXXX to advise if they were going to honor that option. I was told by SLS that they have received several complaints from customers that were with XXXX and are now with SLS over this same issue.

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 2018-06-22
Company: DMB Financial, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I am a XXXX year old XXXX veteran, and entered into an agreement with DMB financial in XX/XX/XXXX to settle my credit card debt. I ended the relationship with DMB in XX/XX/XXXX due to suspicious transactions, for example : settlement fees yet none of my accounts are settled, large number of payments and subsequent reverse payments, etc. 

Over that period, i have deposited {$6900.00} into a designated account. Upon ending the relationship with DMB, they sent a check for approximately {$900.00}. As of an email dated XX/XX/XXXX, none of the accounts are settled. 

Despite repeated requests ( from both my son and me ) to detail how the balance of the funds were used, we have not been able to obtain a clear answer. Often times they claim they must research the situation but do not follow up - and now that the relationship has ended, they will not service the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I Submitted a dispute onXX/XX/18and TransUnion receive it on XX/XX/18for inaccurate information with XXXX XXXX XXXX. I asked transunion supervisor XXXX XXXX over the phone @ XXXX on XX/XX/2018 about information Regarding of the investigation and he fails to provide me any information because he amidit that the account was not properly investigated as requested, I told him that the error on my account are still there and that it pass over 30 days and they didnt remove it and deleted it from my TransUnion

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 2017-11-08
Company: Experian Information Solutions Inc.
State: VA
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:
Since XXXX when I submitted a complaint against Experian, my credit score has decreased by 102 points. 
I noticed in their summary of report that my number of late payments has increased from 1 to 2.
my years of credit history has decreased from 37 to 12 and other factors have decreased to a credit score of XXXX ( XXXX XXXX. 
This all occurred within a XXXX period in nonconformance with the normal XXXX update period. 

Since XXXX I have paid credit repair bureaus and have expended my own time to do everything possible to increase my credit score.
My current credit score is near the same or WORSE since my time and investment of six months ... all resulting from a complaint I submitted against Experian.

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 2018-11-10
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH has effectively kept us from obtaining a loan modification, for which our mortgage loan qualifies. We had always made our mortgage payments on time every month, but when I suffered an unforeseeable job loss, we saw that it was going to be impossible to stay current with our payments. We proactively contacted their Loss Mitigation Department, but were told there was nothing they could do because our loan was current. One of their representatives advised us to miss some mortgage payments and then they would be able to help us. Twice our loan was reviewed for workout options, but we were denied due to lack of sufficient income. Then we were given a forbearance agreement which we accepted and started making the payments. Unfortunately, Hurricane Irma came through and wrecked our home. We were forced to make repairs to ensure the home was livable and could not afford the mortgage payments. Our case manager from PHH told us that even though there was disaster relief allowed for missing mortgage payments, we still had to make our forbearance payments on time. 
This was impossible and we had to stop making payments. We tried again for assistance, but were told that the could no longer review our mortgage for assistance options and we were shut out of help. Then we had to take matters into our own hands and the State of Florida approved us for the Hardest Hit Fund, but PHH rejected those funds because it did not cover the entire past due amount. However, we had the excess money to pay the deficiency, but the PHH representatives refused the money. This has left us high and dry and we are extremely upset and frustrated with PHH. They are sending our loan through the foreclosure process and we need help to keep our home. We are really hoping that you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
payment never late fix it or remove it FCRA law : XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX request Next will file FTC if not corrected

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 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Before the Corona Virus started and everything got shutdown, I purchased tickets thru XXXX to use in XXXX, however because of the shutdown of nonessential business I wasnt able to redeem my tickets. After calling the merchant several times without being successful, I decided to dispute the charge of {$80.00} with my credit card company, Bank of America. After a few weeks, I was contacted by BOA requesting more information, which I provided, and they also provided me a copy of the chargeback documents where it clearly stated Tickets not redeemed. A day later, my claim was denied for a vague reason. According to BOA, I didnt provide information about the cancellation policy. I did not cancel or did not attend because it was my choice, all business where closed and I was not able to get in contact with anyone to obtain my money back, which I clearly stated on the letter BOA requested from 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 2018-11-10
Company: SLM CORPORATION
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting incorrect information to lenders, such as derogatory public record or collection filed, too few accounts currently paid as agreed. 

In truth,100 % of my accounts are paid as agreed, no missed payments, no derogatory public record or collection accounts. 

Lender XXXX XXXX has denied my application for a student loan because of the information that is falsely reported by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Back in XX/XX/2018 Bank of America had a promotion for opening business accounts package with them. The terms of that promotion were : To earn the initial {$1000.00} bonus, open a Business Advantage Checking account by XX/XX/2018, make qualifying deposits of at least {$50000.00} in the first 90 days, plus apply, be approved for and open a new small business credit card account and spend at least {$2000.00} on the card within 90 days of opening a Business Advantage Checking account. 

Please see attached flyer for more details about this promotion XX/XX/2018 I applied for Business Advantage Checking account and business credit card with the help of Bank of America small business banker. I was subsequently approved and met all promotion requirements within allotted time period. 
Per offer terms I was supposed to receive {$1000.00} bonus within 90 days from the end of your qualifying period, meaning by XX/XX/XXXX. However, as of today, I still didn't receive the bonus. Over the last month I contacted Bank of America multiple times about this issue. Every time Bank of America representatives, including small  business banker who helped me to open business account, told me that I did qualify fo the bonus and supposed to receive it by this time. But apparently, there is no one at Bank of America who can look into my case and make things right. 

I feel completely frustrated about this experience and the fact that Bank of America does not honor it own promotion. I hope this claim could bring necessary attention to resolve this issue.

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 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off 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 2018-11-10
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical collection was placed on my credit reports by XXXX XXXX XXXX. The medical account was fraudulent and was removed on XX/XX/2018 in the amount of XXXX. The original creditor was XXXX XXXX XXXX. 

I received an alert stating a collection was placed on my credit file. A company called XXXX XXXX has placed the same collection on my credit reports. I have never heard of this company nor did the company give me any notice or right to dispute, had they did what they are required to do according to the XXXX they would have known that this is a fraudulent account. What XXXX  XXXX is doing is illegal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is not a DUPLICATE Report and this not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : Account # XXXX 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 an 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