BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
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 when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX at XXXX I went to the Bank of America ATM in XXXX XXXX Florida to make a payment on my credit card the payment amount was {$130.00} I made a deposit payment of {$130.00} the ATM gave me back a receipt and said it could not process my request and the receipt had the number XXXX it had a number and said it could not return my money and I would have to call the Electronic team at XXXX XXXX which I pulled over and immediately did the agent Said they could take my compliant but could not do anything to help me.Because this was after banking hours I gave the agent all the information and went home the next morning I called and was told That it was being investigated and that I would have to call back in about a week which I did on XX/XX/XXXX I called and an agent again said there was nothing he could do it was still being investigated I have been with Bank of America since XXXX and never had an issue like this A payment from that account was for my cellphone payment of XXXX that amount was refunded which made my balance XXXX since the bank took my XXXX payment deposit of that amount once the mistake is corrected and my funds are adjusted there would be a difference of XXXX owed back to me this is. New credit card the payment due date is for XX/XX/XXXX I was paying it earlier than it was due the agent I spoke with said they have to send someone out to collect the money from the ATM once the over payment amount of funds is calculated I would be given my money back or in this case the balance after the payment to the account is made I have never had a late payment or missed payment to any of my accounts I was told by that agent that any reports to the credit bureaus would be corrected by them that it could take up to 2months to correct it and issue my refund when I contacted XXXX XXXX XXXX and XXXX they informed me that isnt true and that once it is reported it will never be removed.Like I said I dont know how this bank can take 2 seconds to take my money but 2months to give it back and correct there mistakeI need this Documented and if possible someone from cooperate to resolve this I am at the point were Im ready to close some of my accounts with Bank of America its not fair as a loyal consumer I have to have this inconvenience of having to not only fix the payment but also deal with my credit being affected by there mistake.Other consumers need to be aware of this happening to them

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 2023-06-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My equifax score dropped XXXX points for no apparent reason I havent opened any new accounts nor do I have delinquent or late payments! 
And they cant explain to me how this happened!!! 
This is keeping me from purchasing a home!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Nelnet, Inc.
State: MI
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 had Great Lakes as a servicer for my loan and it transferred to Nelnet. I applied for the SAVE program XX/XX/XXXX directly through through the federal government and was told it would be under XXXX dollars. I also connected my IRS account to my loan and provided my work pay stubs. It has been MONTHS and my previous payment was exactly the same as Nelnet has it now. So they illegally sat on my SAVE application and did nothing to process it. Now it says payment due of {$670.00} and it is wrong. I will not tolerate the scam and con Nelnet is doing as they are doing it to thousands of people which is all over the Internet to see. Nelnet always is problematic company and this is why I DID NOT WANT THEM SERVICING MY LOAN and as a person with a XXXX I am holding them accountable for their disgusting behavior. They never answer the phone and I am not sitting on hold for XXXX HOURS with their terrible customer service as a person with XXXX as it causes severe stress and can trigger a XXXX. I demand Nelnet process my SAVE application immediately and put the payment at what the federal government said it would be. I am not suffering damages on my credit because Nelnet wants to pull a con and has slow and terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Kriya Capital, LLC
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:
I sent a letter requesting that the debt be verified in XX/XX/2021. Never responded to my request and placed the account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: WA
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I retrieved a copy of my credit report from my credit report on XXXX XXXX and noticed addresses Ive never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CITY NATIONAL BANK
State: NY
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 currently hold the bank 's XXXX XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the XXXX XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I became aware of these changes on or around XX/XX/XXXX. On XX/XX/XXXX, I contacted the bank at the 800 number listed on the back of the card and was referred to my banker for further discussion. My banker advised me that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not. 

In my previous experiences with other nationally recognized banks, a grace period would be extended following the billing of an annual fee to a card account. This provides the cardmember with some time to consider whether the product has been a good fit, and whether or not said cardmember is interested in renewing for another year. In light of the above changes which were not disclosed prior and for which adequate time was not provided for customers to consider, the very least that City National Bank can do is offer such a grace period to its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Unlimited Progress Corp
State: IL
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:
SENT A VALIDATION LETTER ON XX/XX/2022 TO THE COMPANY NEVER RECIEVED A RESPONSE ACCORDING TO FCRA STANDARDS.

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 2019-09-23
Company: EQUIFAX, INC.
State: AL
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:
Department of Education/XXXX opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

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 2019-09-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, violence and death from Credit Acceptance Corporation Debt Collection Representatives for a fraudulent account and debt of {$8100.00} thats not my debt or account. The account and debt is fraudulent and the result of identity theft. Its very appalling, disturbing and frightening to be receiving phone calls of violence and death for a fraudulent account and debt that came from identity theft and do not belong to me. Credit Acceptance Corporation Debt Collection Representatives is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.

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 2019-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX I filed for a due date change due to not having enough funds in my account. Which my car note is XXXX. Well after changing jobs and taking a severe pay cut. I tried to change my due date around XX/XX/XXXX and I was unable to. And I wasn't told weather I could or couldn't change my date a second time several months down the road until I called in. Nowhere on their app was this stated. 
Well it is XX/XX/XXXX and I made my late payment of XXXX $ little did I know I wasn't able to pay it so tired to cancel it after I got home from work. I was unable to cause the option was no longer there. I was not informed that I wasn't allowed to cancel after a certain time which was right after XXXX. Also, around the time I would have normally gotten off work. I don't get home until after XXXX because I have to get my XXXX from daycare. And being as most of the time i work without taking my break being as busy as it is during the morning towards the night I was unable to call or cancel if I would have known the cut off time. 
So I called and they told me that they couldn't cancel it at all. they told me to call my bank my bank would tell me to wait til it is process and file a dispute report which can take days to a week. 
I want people to be aware of the type of business they run. Not really helpful when it comes to due date changes or payments. Also not informing their consumers about their terms. They tried to knock off the late fee which was a whole XXXX XXXX I didn't care about them trying to come to an agreement by bribing me with taking the late fee away. What they can do is offer customers a change of date or you know actual assistance instead of this now their may be an overdraft when all is said and done. congrats capital one for doing what you do best XXXX people over and causing more of hardship for people that are currently struggling

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: TN
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 XXXX keep listing an old XXXX  XXXX credit card bill thats 12 or almost 13 years old opened in XXXX. XXXX  XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX  XXXX and couldnt pay it. Now XXXX XXXX is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least 10 years past due. I cant see when this is going to come off?? 20 years? Pleas help 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 2021-10-01
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: LEXISNEXIS
State: AZ
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:
XXXX XXXX XXXX and Lexis Nexis credit bureau have laced my Lexis Nexis report with several false entries and entries that are not authorized by me. 
1. This is NOT my XXXX driving record and obtaining new licenses. 
2. I never gave XXXX XXXX my authorization to run inquiries on me. 
XXXX. I never gave XXXX XXXX XXXX permission to run inquiries on me to commit their crimes against me. 
4. I do not own 2 XXXX 's currently insured by XXXX XXXX XXXX 

My old address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: SC
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I have been using Synchrony Bank Credit card since past 5 years. 
As part of Text and Email alerts, I have setup Text and Email alert for any payment which is due in 2 days. We generally set up this alert so that even if you miss reading the email, at least you have a notification on your cell phone. 

The Synchrony bank payment was due on XX/XX/2019. I did not receive any text notification on my cell phone for any payment due notice. So the Bank charge me {$38.00} fee for the same. I got only a text notification on Friday XXXX XXXX stating the following. " Amazon.com Store Card Courtesy reminder. Make payment. syncbank.com/amazon.XXXX. FreeMsg : Synchrony Bank. To opt out reply STOP '' On XXXX XXXX I got a text message as this, " Quick heads up to make payment at syncbank.com/amazon or call XXXX. FreeMsg : Synchrony Bank. To opt out reply STOP ''. 

Today, on XXXX XX/XX/2019, I receive call from Synchrony bank debt collection for immediately paying the amount {$79.00} as it is past due. when I told the lady on the call that I did not receive any text notification for payment due and I received a text notification on XXXX XX/XX/2019 only after the payment is past due. As this is a technical glitch from the bank side, I am not willing to pay any late fee. 

The lady was patient enough to listen to me and transfered to customer service but unfortunately I had to hang up the call. 

I called back customer service XXXX and told the representative what has been happeneing, she argued with me that you have been receiveing text message 'as per their system ' and talked to me with high tone saying 'you did not pay bill on time because you did not receive text message is not a good reason, it does not work this way! ' I am extremely unsatisified with the representatives tone and told her I will be closing my account. On that she said " yes please go ahead, you can do so '' and hung up! 

Please advise me how I can get some justice with this complaint and issue. Bank charge hefty {$38.00} late fee and the customer service is even ruthless to hear the issue fully and blame it on customer for the mistake bank committed!

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 2019-09-22
Company: Credit Bureau Collection Services, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Cbcs companies are still making hard inquiries to my credit after i recently filed ( earlier this month ) a complaint they recently ran my credit again XX/XX/2019 without my knowledge or any consent cause my credit score to drop 28 points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: MONEY SOURCE, INC., THE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender requested Escrow. Assigned The Money Source ( TMS ) TMS handles and collects escrow. 
Property taxes for my residence were due XX/XX/2020 with Delinquency date XX/XX/2020. Interest accrual due XX/XX/2020. 

TMS did not respond to email requests and online documents uploads showing Tax payments are due. I am unable to reach the customer service by phone due to excessive wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Navient Solutions, LLC.
State: VA
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:
My ex wife and I took out a Signature Student Loan from XXXX XXXX ( now Navient ) on XX/XX/XXXX for {$27000.00} so that I may attend classes at XXXX XXXX in XXXX, VA. 
Throughout my attempts to repay the loan, Navient would take the bulk of my monthly payment and put it towards the interest on the loan and apply very little ( and in some instances, absolutely nothing ) toward the principle -- -basically keeping me in financial indentured servitude. 
When I would fall behind on my payments, I was always steered toward forbearance which increased my monthly payment amount and basically postponed the inevitable-not being able to keep up with monthly payments. Repeated and urgent requests for fairness in the form of payment reduction and refinancing the loan were immediately denied. 
This loan, which is now more than 9 years old, now sits at {$28000.00}. 
Please note that XXXX XXXX closed it 's doors inXX/XX/XXXXand had several Class Action Suits filed against it as they took the tuition from students who were not allowed to complete their courses. In addition, those of us who had graduated were denied the lifelong career planning and placement which was promised as part of our tuition. 
XXXX XXXX, now Navient, was the only lender available to the students at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair credit Reporting Act, 15 USC 1681i ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of list accounts below inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquires

Company response to consumer: Closed with explanation