BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXXs keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The XXXX XXXX said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2022-01-28
Company: Experian Information Solutions Inc.
State: GA
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 is reporting incorrect information on my credit report in reference to an account with the nameXX/XX/XXXX account number XXXX XXXX I settled the debt in full with the collection agency, and the removed the debt from my credit, but the original creditor still remains on the account even though the no longer hold the debt and sold it off to the creditor, whom I paid in full. This is a violation of my Fair Credit reporting rights, because they original creditor XXXX XXXX XXXX XXXX off this debt on their taxes, and made money on selling the debt to the collection agency, and they are still reporting it on my credit as if I owe them, which is hurting my credit score.

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 2019-11-05
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I went into XXXX XXXX XXXX XXXX to purchase an XXXX watch but change my mind about the watch. Ever since that day I have received a bill from XXXX XXXX XXXX although I never established service. I called XXXX XXXX XXXX last year and they told me they never seen any activity on the phone number that was assigned to this bill and they told me they removed the charges. I recently tried to get a phone service with XXXX XXXX XXXX and they claim that I owe a bill for this service that I never had. This is fraudulent billing and I do not owe XXXX XXXX XXXX  because I've never had service with them. Also they have turned this bill over to AFNI collection service for {$150.00}. Please remove this bill as I have never had service with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was sold from XXXX XXXX XXXX and transferred to Rushmore Loan Management as of XX/XX/XXXX. I was previously charged for home owners insurance from XXXX {$3600.00} and I had to file a complaint with the Attorney General Office of MA to receive a refund from XXXX before my home loan was transferred. I received a letter from Rushmore and spoke to them over the phone that I have already purchased coverage. They asked for me or my agent to send a copy. XXXX XXXX XXXX called Rushmore and sent a copy of my home owner insurance on XX/XX/XXXX to show proof there was coverage for my house. In XX/XX/XXXX I was charged {$3600.00} for insurance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a list of accounts that were reporting incorrect information on my credit report, to the credit bureaus. There were supposed to investigate the accounts and respond to me within a month. It has now been two weeks over a month, and they have not responded yet.

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 2020-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank of America I did a transfer through Bank of America and asked them to cancel that transfer since it's a fraud ; I've called the 5 times, the first time the assistant transfer the money from my saving to my checking and tell me it has been credit ; The second time I've been told the transfer will be cancelled and the money will be back to my account in 24 hours ; The third time I've been confirmed it would be cancelled and back to my account in 1 to 5 business day. 
The forth time I've got same answer with the third The fifth time, I've been told I have to wait for 30 business day and the manager abruptly hang up. 

After 5 days delay, I've lost my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/2018, and 60 days late as of XX/XX/XXXX and XX/XX/2018 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 explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a XXXX credit card about 20 years ago. Now my credit report dropped 50 points. My credit score was XXXX, now XXXX. What has happened. I owe no one anything.

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 2019-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was notified by letter that my checking and credit cards would be closed. I called to find out why and I was told I did not respond to a federal regulation asking for demographic questions such as marital status, etc. However, I told the USAA agent that I did complete this and every member on my account completed this. I was flabbergasted that after 15 years my accounts would be closed. The Agent checked and she said that two of the three completed the requested but my brother did not. However, I personally completed the questionnaire with my brother in person. I know he completed this 100 %. I am not sure if there was an electronic glitch or an issue with USAA 's app. I was also told I could not open any future accounts with USAA. I asked to speak to a supervisor and the she could not do anything at all. Worse, I asked to speak to a higher level person and I have yet to have received a call in the last two weeks. I am a service member in the XXXX XXXX and I don't understand why I am being treated this way. This seems to be an honest mistake somewhere and I just want to be able to open a USAA account again. This only seems fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-03-31
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a subsidized and unsubsidized loan with American Education Services. I have been paying a few dollars extra every month and today I reviewed the account and found out that they have not applied any money towards my principal. When I called them, they said my account is in a " pay ahead '' status and explained that the money is being applied to the principal but it just does n't reflect the account yet. I do n't understand where the extra money is going and they ca n't provide me with an accurate amount I owe stating the " system '' will figure it out if you decide to sell your loan. 
I 'm concerned that AES is not paying down my loan and in the end I will end up paying more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a savings and checking account to obtain a {$700.00} bonuses ( XXXX checking & XXXX savings ) and have yet to receive the bonus? I called CITI and they said it will be 90 days from the date of the call.

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 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquires on my report weren't initiated by me. Customer service would not help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Called Kohls customer service and Spoke to XXXX # XXXX and her supervisor XXXX # XXXX today ( XX/XX/XXXX ) to ask for an interest rate reduction. They told me Kohls does not ever lower a cardholders apr. The interest rate reflects the current prime are. am paying 24.99 % and 23.99 % interest, have paid as high as 27.25 %. Ive held the card since XXXX. Ive been making overpayments on time and asked for a reduction bc 25 % interest in clothing is craziness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
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:
Identity theft

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 2017-01-11
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I submitted an income driven repayment plan change request to XXXX on XX/XX/2016. On the XXXX it was approved, then a few days later my loan was transferred to XXXX. My payment plan change did not transfer, so I applied again and was reassured that the application was received and everything was ok. I then received a notification that my application was denied because my loans were not in repayment ; they are. I called and was told to resubmit along with some updated income information, and I did, my request was denied again because it was n't time to renew my income. It 's been 3 months and I 'm unable to continue making my high payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX in XXXX TX. I was under the impression that this car would be financed by XXXX XXXX as was the other car that I purchased brand new at the same time. 

Two months later, I received a payment booklet from BBVA for the financing, but I never signed a loan agreement with them, but yet I still made payments on time. 

On XX/XX/XXXX I was hit by a drunk driver and my vehicle was totaled. I worked with the other person 's insurance company who settled the debt for less that what was owed on it. So I reached out to the GAP company and was assigned a claims adjuster to start the process. I've since submitted everything they have requested except for the 4 things they needed from BBVA to process the GAP coverage. I owe XXXX on the vehicle and BBVA is calling me to collect the debt, but have disregarded all of my emails, phone calls, walk in to the bank where I've requested that they send the required documents so that I can submit them to the GAP adjuster. I have not heard from BBVA total loss department regarding the requested Items. I got a automated generated email and that was it. My claim is about to close and will be denied if they don't received the bill of sale, a copy of the cancelled check, the purchase order agreement, and payment history letter. 

Not only that, I was told by XXXX XXXX XXXX XXXX that the reason the XXXX location was closed was due to bad business practices. We never received the 2nd key fob for my car and my wife never got her car tented as we were told This has been a complete nightmare after being hit by a drunk driver and now have 3 car loans. 

Please help me! Please. You can reach me at XXXX or my wife at XXXX. You have my permission to speak with XXXX XXXX if you can't reach me by phone as I'm a XXXX XXXX XXXX for XXXX XXXX. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not mines

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 2023-02-01
Company: Experian Information Solutions Inc.
State: MS
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:
A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint on SLS Servicing XXXX In XXXX, my lender was XXXX XXXX XXXX. I had a 1st mortgage and 2nd mortgage with XXXX XXXX. The bank was taken over in XXXX by the Federal Government. The FDIC sold XXXX XXXX to XXXX XXXX XXXX  in XX/XX/XXXX. In XXXX, I had some financial troubles and filled out a form for loan modification. In XXXX, my first mortgage was modified and the 2nd mortgage was forgiven and I was told that I never had to make another payment. I have paid my modified mortgage on time since that time. XXXX XXXX transferred servicing to SLS in XXXX and they would, periodically try to get me to pay the second mortgage. I would always dispute it and went on with my life because I knew what I was told and at that time had not made a payment in over 6 years. I filed for a refinance this month and was told by the closing attorney, per my title, that FDIC assigned my 2nd mortgage from the XXXX loan to XXXX XXXX in XX/XX/XXXX. Why would the federal government assign a loan that was forgiven to XXXX XXXX, 12 years later? The last payment made on this 2nd mortgage on XX/XX/XXXX. I was also told that XXXX XXXX  filed a subordination on XX/XX/XXXX. It really doesn't make any sense. SLS was trying to collect on this loan without success since XXXX, however, per court records did not receive an assignment until XX/XX/XXXX. I have repeatedly asked SLS for the assignment paper work for both loans and they have yet to send anything. Honestly, I think the assignment attached may be fraudulent. It reads like a scam. It is signed by a XXXX XXXX, who is not an attorney. The state and county are missing, yet they have a XXXX  XXXX. XXXX and SLS are the same company. Please help.

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 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I believe that the Balance Subject to Interest rate has been miscalculated on my account for my most recent statement with the closing date of XX/XX/XXXX. The previous balance on this statement is {$0.00}. The only transactions total {$5200.00} ( {$5000.00} for promotional check cash advance and {$200.00} for check fee ). The Balance Subject to  Interest rate is calculated on 31 days in the billing cycle and a 20.99 % APR. By my calculations, which are based on a careful and thorough reading and understanding of how BOA calculates daily average interest rates and daily compounded interest and that I have performed on multiple apparatus and in multiple ways, I get a Balance Subject to Interest Rate of approximately {$5200.00} for this 31 day statement. However, BOA has somehow calculated a Balance Subject to Interest Rate of {$5700.00} which is overstated by over {$400.00}. 
After wasting 45 minutes on the phone with an incredibly unknowledgeable and rude customer service representative on Thursday, XX/XX/XXXX beginning at XXXX EST and lasting until approximately XXXX EST., I was denied the opportunity to speak with a manger or supervisor of any sort and told that I would receive a letter with a breakdown from finance. No timing could be provided on when that letter might arrive. I was also told that generally I shouldnt worry about it and that he couldnt understand what exactly my concern was. 
I never received a letter and subsequently followed up in writing on XX/XX/XXXX. The response that I expected to my letter was that, per the Fair Credit and Reporting Act, Bank of America would either correct the error or explain to me exactly ( with a full daily breakdown which I requested ) how the Balance Subject to Interest Rate of {$5700.00} noted on this statement is correct. 
Instead of a detailed response and breakdown, I received a completely generic letter in return dated XX/XX/XXXX that not only did not address my inquiry in any specific detail but also stated that the charges on my statement are correct despite there being no support of that.

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