BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: FL
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 REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CBC Companies, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This should serve as a written notice to Innovis that I XXXX XXXX wish to put a security freeze on any information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: FL
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 NEVER REQUESTED OR AUTHORIZED A FRAUD ALERT ON MY CREDIT REPORT BY EQUIFAX OR ANY OF THE OTHER REPORTING AGENCIES.

please remove all FRAUD ALERTS.

THANK YOU!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My name information is wrong. My last name not is XXXX. Please eliminate this name.

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 2019-03-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a federal student loan with XXXX XXXX. In XX/XX/2018, my family and I started the process of buying a home. My loan was on forbearance since I had my son because I couldn't afford the payments and have been switching positions often since I returned to work after my maternity leave. Since I was on forbearance, the mortgage company wanted to see me in repayment, so I adjusted my account. When I did this, I was smacked with a {$55000.00} penalty. When I called to find out, I was told this was capitalized interest that was living in a bubble ( not sure what that means and it was not explained to me when I asked ). Since this happened, my payment went up, making it impossible for my husband and I to get approved for our mortgage on our own, so we thankfully had a co-signer. I tried to talk to the customer service people asking to speak with a manager about this and I was always given the run around. I now  have a higher monthly payment because of this penalty that I can not afford. I do not know what to do since my loan has ballooned so much due to high interest rates, having my interest capitalized and paying interest on top of interest. Every time I call to try to figure out my loans and get myself on a realistic payment plan I can afford, they just put me on forbearance, and this has been going on for 3 years now. I have become very stressed about this because I see no end in sight or solution and have started thinking of hiring a lawyer to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XXXX2016 I brought a XXXX XXXX XXXX XXXX  The dealership I purchased it from was XXXX XXXX XXXX.The agreement was for 75 months at {$350.00} at a 12.4 % interest. I did not understand that the 12.4 % was not the actual total interest that will have to be paid. I believe that I was targeted and received a predatory loan. I believe that most of their customers received better rates and access to higher end cars. Nor was I told that I had time to opt out of loan. I was told that I was getting a {$2000.00} discount for the one year depreciation which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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:
There is an account listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

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 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, my outstanding balance on my Capital One credit was paid by XXXX XXXX as a part of bill consolidation loan I received. XXXX XXXX overpaid my outstanding balance by {$300.00}. Capital One said it will refund the overpayment in 60 to 90 days! 

When I owed a debt to Capital One, I had 30 days to pay. Why should they get 60 to 90 days to refund my money. The account is closed so there's outstanding charges that will be charged to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
ive called XXXX times and sent a letter in the last XXXX weeks and they havent done anything or sent me proof. in accordance to the fair credit reporting act these unauthorized inquires on my report are violation my rights 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 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 XXXX there is no proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2019-03-27
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I paid my personal student loan that was held by American Education Services with a personal loan that I received from XXXX XXXX. I have not received any information since the payoff, no letter confirming the payoff. In addition, the XXXX XXXX over paid the loan amount due and the refund check was never received by me, the borrower, nor XXXX XXXX. When I called the student loan company I was given a check # and an amount of {$770.00} but no one can tell me where it went only when it was sent and I have no confirmation of it, no receipt, nothing. 

It is extremely frustrating and the customer service is not good at all. 

We need to find where our check is and have confirmation of the payoff. The service that American Education Services has provided is extremely poor and seems a fit fraudulent because of the loss of funds and the bad communication. 

Company information : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX-XXXX-XXXX-XXXX  Fax : XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On twelve occasions payments made were applied 100 % to interest : per the federal truth in lending act every payment made, whether on time or late, must be applied to BOTH principal and interest : the dates are:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. When this is done, the principal is not lowered and ultimately the bank keeps charging interest on a principal balance higher than it should be thereby earning illegal additional interest. The bank is Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
The bank is refusing to follow the procedures outlined by the Federal Govt in how to deal with unauthorized purchases, specifically where a refund/credit was supposed to be received but was not yet received. They indicated they are not required to open a dispute without documentation in writing stating that I am due refund or credit. I explained that it was a phone call where an account was cancelled and i was told they refund would be processed to my account in 5-7 days that has been almost two months. To appease them I explained that if requested after the dispute is open or challenged by the merchant that I would get documentation however the responsibilty is for the dispute to be opened. She refused and said until I have the documentation that she would not open the dispute to which I responded that I couldnt even send the documentation until the dispute is opened and she responded well I know you dont have the documentation so until you do I wont even open the dispute. I referenced to her Sec 205.11 of Reg E iii. The omission of an electronic fund transfer from a periodic statement Generally this one will apply to a missing credit to an account. If the case of a debit card transaction, if the merchant promised a credit or refund and failed to provide it, it is a Reg E error. If the merchant did not make such promised, but the customer feels they are entitled to one, it is a merchant dispute. The rep indicated they are not required to follow those guidelines ... I think BMO needs a update on Fed guidelines when it pertains to Reg E too many banks think they can make up rules and do their own thing. The rep I spoke with : XXXX XXXX XXXX  XXXX XXXX, XXXX. This needs to be addressed!

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 2017-09-18
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My husband and I owe Navient/XXXX a total of {$100000.00} for our Private Loans. We also have Federal Loans so we are paying those as well. Over the last year, I have contacted Navient about lowering my monthly bills and they keep refusing to budge. 

We pay {$1300.00} every single month to JUST Navient ( I pay {$810.00} and he pays {$490.00} ). We just had our XXXX XXXX, own our own house, and are trying to pay off our debt but keep overdrafting our bank account due to these high interest loans and high payments. 

I have called periodically to try and lower our payments but they refuse and we are almost out of our allotted deferment time ( one year on each loan ). I put mine on hold for a few months since I was on unpaid XXXX leave and Navient would not consider that Financial Hardship. 

We are both XXXX and our income is only {$4900.00}. Is there any way you could help or send us some advice? {$1300.00} every month to just private loans is too much with a XXXX XXXX, mortgage, cars, and federal loans. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have sent two payments to Bank of America certified mail in XXXX. It is now XXXX and Bank of America has yet to apply my payments to my account or return my payment. On XX/XX/2022 Bank of America closed my account and kept my payment without notifying me. This puts this financial institution in dishonor and holds serious grounds for civil and criminal liability.

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 2021-11-02
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:
Hello, tried to reach the Credit Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
back in XXXX of XXXX, i called the water delivery company XXXX to cancel our service. at the time we had several 5 gallon bottles of water, it was agreed we would run through them and a final date of empty bottle pick up was established ( around XX/XX/XXXX ) the bottles were picked up as agreed. i received the final bill in XXXX and paid it. then in XXXX we received four more bottles. i immediately called XXXX to let them know that we did not want them and that the account was cancelled back in XXXX.they said they would fix it and pick up the water.at he end of XXXX i received a bill for the new delivery. i sent the bill back to them, writing on the face of it that the account was cancelled in XXXX. i then got a bill in XXXX for the same delivery. i wrote on the face of that bill, again, that the account was cancelled in XXXX and requested that they stop sending me bills and to come pick up thewater. they completely ignored both of my requests. i janurary we received another bill with surcharges. for the third time i sent the bill back, writing on it again that i was getting extremely frustrated with them ignoring what i'd written on the bills. to be honest, i included a bit of invective and commented on the incompetence of whoever was opening the bills i had sent back. so in februrary i got another bill which i threw out in frustration. in XXXX i got another bill and was very frustrated so i called XXXX to complain, inquire about the issue of them not understanding that the account was cancelled back in XXXX and to try to work out with them what exactly the problem was. i explained this whole saga in detail to the person on the phone, expressing my frustration. the way the call ended was that she would look into it, they would pick up the water that is still on my porch from last XXXX and they would make sure the account would be cancelled. i never heard from them until my wife received notification from a collection agency in the middle of may-the account is in her name. it was a generic letter with no reference to XXXX, whatsoever. when she called the collection agency, they sent the string of bills that i described above. i believe this was unfairly sent to collection i believe their company engaged in improper action. i have since called both XXXX and the collection agency and got the complete run around from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from 'CHASE ', it looked like a formal Chase letter and it claimed that I tried to open a new credit card account so they are reaching out to confirm my information. I called in and told them that I did not open an account with Chase at all. However during this process, their first question was to ask my SSN. I told them my SSN and thought they'll investigate and close the claim. I never receive anything from them again. Three months later I found out that there were three cards opened without my knowledge, two from Chase and one from XXXX. I looked at the letter again and googled the phone number listed on the letter and found online that there were other people being scammed by the same number before too. 
The phone number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Cashier 's check scam/fraud through XXXX ; no assistance from Bank of America. 

I posted an item on XXXX for sale. An individual XXXX XXXX XXXX, XXXX ) contacted me, saying he wanted to purchase the item for his daughter. He said he was in the hospital, so would send me a cashier 's check for the cost of the item, plus additional for movers to pick up the item. My item was selling for {$1200.00}. 

" XXXX XXXX '' sent me a cashier 's check for {$2500.00} ( USPS tracking number XXXX ). Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, NY XXXX. The check was drawn from XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX. XXXX : XXXX XXXX. Numbers on the bottom of the check : XXXX XXXX XXXX. 

I received the check on XX/XX/19, and immediately deposited it into my Bank of America checking account. After I received notice from Bank of America that the check cleared, I then transferred, through XXXX, {$1200.00} to XXXX XXXX, XXXX XXXX. 

After I transferred money through XXXX, Bank of America notified me that the cashier 's check did not clear. This meant I was immediately out {$1200.00} through the scam. 

I immediately contacted Bank of America by phone. After hours on holding and reciting the story to several individuals, BofA told me that they started a fraud claim. Ultimately, I received a letter from BofA saying there was nothing they could do to help me because I approved the XXXX transfer. 

Adding insult to injury, BofA charged me a returned check fee of {$12.00}.

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 2019-03-03
Company: BBVA 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:
I have went into the bank 4 times and called 7 times.. the bank shows my account open and over 30 days late twice. Once onXXXX and once in XXXX which is not accurate. I closed the account on XX/XX/XXXX. The only late payment was in XXXX. Which was never reported. This inaccuracy has lowered my credit score over 80 points. I am I am in the middle of escrow on a home loan and this is making me in eligible. They REFUSE to correct this!!! I am going to lose my deposits and home loan due to their mistake!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: General Information Services, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been applying for work for 30 days. I have been submitted for background checks and their submissions have all denied me work. 

I have a governors pardoned record and expungement. But the consumer reporting agency general information services in XXXX, sc has refused to correctly tell employers my actual n updated record. They have in fact given employers information inaccurate and past 7 years. 

I sent them twice a copy of my sc governors pardon and they have denied recieving it. 

My name is XXXX XXXX. Not XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I applied for a lease on Hyundai website. They gave me a reference number and told me someone would be in touch. They pulled my credit, I can see that on my credit report, but no one ever called me. I called the local dealer that they said they were sending it to, but they have no record of it. I called the XXXX XXXX XXXX  manager and he never called me back. I have no idea what the status is. At this point I would not do business with them ever, but I hate the idea of my application being out there some where.

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