BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I overpaid a bill in the amount of {$27000.00} associated with a balance transfer program at Bank of America. My account was charged the {$27000.00} BUT I NEVER RECEIVED THE FUNDS. 

I was told by four people at Bank of America, INCLUDING THE OFFICE OF THE CEO, that the funds were to be deposited into my checking account on Monday, XX/XX/XXXX ... the funds never arrived. This is despite struggling with the issue for 3 weeks. 

Phone calls at Bank of America went unreturned. To add insult to injury, I was harassed for payment and late fees on money I never received. 

This ordeal went on for over 3 weeks and it was escalated to the CEO 's office. Not even they would return my call ( s ) and was given endless excuses. 

This has been a lesson in consumer abuse in mistreatment. BAC has my fees and has dinged my account but the monies are not there. So desperate, I am reaching out to regulators

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 2018-06-21
Company: Navient Solutions, LLC.
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:
There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Caliber Home Loans, Inc.
State: VI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
First, thank you for your assistance. 
Last fall we were victims of the two hurricanes that struck the XXXX and sustained substantial damage to our home, requiring us to relocate for seven months. At the onset of this disaster I contacted my mortgage company to discuss financial options. I was told that due to the calamity that we could be placed in a forbearance to allow additional resources to be committed to our recovery. I was also assured that the payments that would be deferred would not simply become due all at the end of the forbearance, as I specifically asked the question during this discussion. Had I been told that modifying the loan to add deferred payments to the end of the agreement was only an option and or that it was possible that I may have to pay all deferred payments back as a lump sum, I would have declined this offer in lieu of continuation of my monthly mortgage. Subsequently at the end of the forbearance period I resumed my monthly payments and have not missed any. I submitted an application for modification of my mortgage agreement and have had to submit multiple documents for this package to be termed complete. Several time I had been told it was completed only to then get another request for more information. I am still awaiting the determination of the application and now have been placed in a foreclosure status with the deferred payments being referred to as delinquent. I vehemently disagree with this terminology and foreclosure status as I have not MISSED any mortgage payments! I have been called by my personal lawyer stating that he has noticed a listing of my house being in foreclosure status in the public record. So now, not only is this inaccurate description of my account distasteful but publicly disgraceful. The effects on my credit are an issue of concern as well! All of this is compounded by the unavailability of anyone in the supervisory role of my account to even discuss this issue, despite my requests to speak to such party. I have followed all of the instructions that I have been given in the aftermath of what should have been the disaster, this financial wake is proving to be even more burdensome than the storms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have accounts with XXXX XXXXXXXX. So it is reporting by XXXX as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
I am an XXXX year old victim of the credit card interest scam. On XX/XX/XXXX, two men came to my house claiming to be from Citizens Bank. Since they already had my address, knew I had multiple accounts with Citizens Bank, and had the last four digits of my accounts I thought they were actually from Citizens Bank. They said that they were going to put money back onto my card because Citizens Bank was charging me too much interest. On XX/XX/XXXX, I discovered that the men had not put money into my accounts but made a transaction of {$9100.00} on one card and another transaction of {$8900.00} on another card. That day I disputed the transactions with Citizens Bank. I also called the police on XX/XX/XXXX but no one was able to come out until XX/XX/XXXX and make a report of the incident. In XX/XX/XXXX, Citizens Bank sent me a letter stating that they determined that I authorized the transactions. I tried calling multiple times to see how they came to that determination. On XX/XX/XXXX, I called Citizens Bank Credit Card Claims Dept. with my lawyer. We spoke with a XXXX and he told us that because I was scammed it meant I authorized the transaction. We tried telling him that I did not give them permission to make the transaction and asked to speak to a supervisor. We left a message for the XXXX, XXXX XXXX. I called Citizens Bank again with my lawyer on XX/XX/XXXX, because we did not hear back from XXXX. We spoke with a XXXX. He said that the supervisor XXXX XXXX was not available so we asked to have her call my attorney. XXXX told us that because I gave the scammers my account information, I authorized the transactions. As of XX/XX/XXXX, XXXX has not returned my lawyers calls. No one has returned the calls I made either. I put in another dispute of the transactions on XX/XX/XXXX because I did not authorize these men to make these transactions. I thought I was authorizing them to put money back onto my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.

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 2018-08-31
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services is attempting to collect on a debt for XXXX XXXX XXXX   XXXX. However XXXX XXXX XXXX XXXX as well as Phoenix Financial Services has refused to provide me with proof of the Debt. I was not living in XXXX on the date of service in questions and was not seen at any of the XXXX XXXX. I requested for them to provide me a copy of any documents the individual presented when they signed into the hospital or anything that was present that proves this was me or my debt. They have refused. They are attempting to collect for 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 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently been informed that there is negative information reported by Capital One in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. Capital One has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. 

Please note as that sent XXXX letters to XXXX, XXXX, and XXXX that they have 30 days to complete this investigation XXXX months prior to this complaint, as per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), and I have kept a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE 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 2021-06-24
Company: EQUIFAX, INC.
State: TN
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:
Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Equifax is in violation of 15 U.S.C. 1681a ( 2 ) ( B ) as the items listed below should be excluded from the consumer report. 
I never gave Equifax any written consent to report ANYTHING to my consumer report. Consent was not given to have my personal identifying information which is identity theft per 12 CFR 1022.3 ( h ). A copy of the law is attached for reference. 
As the consumer I am demanding that the inaccurate items circled on the attachment I included be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I disputed this account for months they keep reporting it to my credit report Kia finance on XX/XX/2012 balance 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 2019-02-18
Company: EQUIFAX, INC.
State: TX
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:
This is regarding XXXX XXXX " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in  one month. Balance down. Date of oldest accounts ( average accounts )  up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, XXXX would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of XXXX linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling  out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit exception us the loan on my truck they say I owe more than I do. They always saying I am XXXX behind. My payment is in every month now there saying I owe four more years when I only owe 2 1/2 years. I have the contract I singed I only took out XXXX on the loan. That was interested and every thing paid XXXX more a month on the payment to reduce the payment none of that went to the payment of The truck. What my next steps to fix these issues

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 2021-06-24
Company: CCS Financial Services, Inc.
State: CO
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:
I was led to believe by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. There are 2 separate collections that are on there because we were never sent a bill so they shouldn't be on the report to begin with. Had we received a bill we would've paid it. Please help me resolve this issue as it should not have been on my report to begin with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS.. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT TO SECTION 609 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 2018-08-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
RE : Medical Collection Dispute Confirmation # : XXXX Dated XX/XX/XXXX Dear Sir/ Madam, I refer to the above Equifax credit Report # : XXXX Dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX  ) Insurance Coverage fromXX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Navient Solutions, LLC.
State: FL
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:
I called to inform Navient that my mother had passed and that all the expenses for everything ( travel for my XXXX sisters and I, along with arrangements ) were coming out of my pocket. I already had a balance and said that I would be willing to work with them to resolve the balance, but I needed the next 4 months of payments to be postponed because of the $ XXXX in arrangements that I had to pay ( so far ). The only thing they did was tell me they could lower my payment by {$100.00} but it would have to be automatic payments. I said I would pay the {$680.00} to get my account up to date, but would not be making payments for something I could not afford over the next 4 months. The supervisor then said that she would no longer enroll me and that I had no options, and refused to work with me any further other than take a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2013 I was highly and predatoraly pressured into buying an overpriced used car. After entering into an installment loan in the amount of {$19000.00}, I shortly thereafter found out that the car was on recall and by paying to repair the car I fell behind on payments and could not remain current on the payments ' late fees and interests ultimately resulting in repossession. After the repossion an agreement was made with the original creditor that no further payments would be made and no further billing from the original creditor was done. However, after the sale of the faulty car I was billed for the balance of the sale in the amount of {$10000.00} by a collection agency and they have continued to report to the credit bureaus monthly and in turn this information is being reported to credit reporting companies greatly impacting my credit score and ability to obtain credit. I disputed this adverse account via FCRA but it remains on all 3 major bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I was lied to about shoes. A man on XXXX was saying XXXX   for XXXX dollars. I texted the number he gave me his XXXX app name and disappeared. He stop responding and blocked me from everything. I have screenshots of everything we talked about. I went to XXXX app and they said there was nothing they could do and to contact my bank. I called Capitol One and they told me to wait until it clears and then dispute the charges. I dispute the charge but they tell me there is nothing they can do either because I transferred the money already.

Company response to consumer: Closed with explanation