BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I got an alert that my Bank of America prepaid edd debit card had a low balance. I checked my account and saw that there were 5 atm transactions from a XXXX atm totaling {$1000.00}. I immediately called and filed a claim, then I filed a police report. I heard nothing back from the bank so I called again 2 weeks later. They said it was still pending and call back in a week. I called back in a week and the bank said that it wasnt showing up and that they would re file another claim. Its been over a month and I just received a letter from the bank stating that this claim has been closed and that they believe the account or the claim have been the subject of fraud or suspicious activity. They stated that I will not be reimbursed. I went to login to my account and I am now locked out of my Bank of America prepaid account and I can not withdraw the money that is in there. They said that it is an issue through the edd and to call them. The edd is saying that it is a Bank of America issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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 went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX  XXXX I have already contacted FTC and the local police department.

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 2021-09-25
Company: FRESNO CREDIT BUREAU
State: CA
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:
The monthly payment, terms, credit limit, past due, and date of last payment are not reported. Your agency continues to report this account inaccurately. Your agency failed to provide complete and only correct information.

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: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEMS IS PUTTING AN unverified item that remain on my credit report in violation of Federal Law. SOUTHWEST is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO ANY OF THESE NEGATIVE ACCOUNTS! REMOVE THESE COLLECTIONS FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2021 I purchased some car floor covers on XXXX using my CitiCard, I was billed {$310.00}. I returned these items, and XXXX confirmed receipt of the return and claimed they were giving me a full refund. This refund never occurred. I disputed the charge and CitiCard has not resolved the matter although they were given evidence of the items being returned via UPS tracking number and the email confirmation from XXXX. It has been over six months no resolution and they ignored by evidence. I sent it back with UPS trackingXXXX. Oddly, this was confirmed by XXXX but they then only refunded {$21.00} of the order, not the full {$310.00}. This partial refund confused CitiCard and they claimed I was full refunded. I attach the original invoice, and the proof of only partial credt.

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 2022-08-05
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is to report continuing a issue of Navient illegally altering the terms of my loan without my consent, forging my signature and harassing my family. The complaint XXXX This complaint documents that Navient has XXXX providing false and misleading information about my student loans for years. After the company responded to complaint XXXX Navient placed one of my student loans on forbearance at a very high interest rate without my knowledge or consent. Altering the loan in such a manner clearly violates the initial loan agreement on the lenders side and thus makes this loan eligible for discharge under new federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: MD
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:
Inaccurate information is being reported on my credit file, multiple credit card accounts loans due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX I have been behind on my mortgage payments due to a reduction in pay with my current employer. I attempted to modify my loan earlier this year, but Fay Servicing denied me a modification and suggested that I proceed with a short sale. I hired a Realtor in XX/XX/XXXX as well as a short sale negotiator and that same day I received an offer on my property and began to work the short sale process. Throughout the process Fay Servicing was very uncooperative and consistently misplaced paperwork that my realtor and negotiator had to continue to submit. In late XXXX I received a letter that Fay intended to foreclose on my property. They never issued a denial of the short sale and they stopped taking calls or responding to repeated attempts by my realtor and short sale negotiator to obtain more information for me. On XX/XX/XXXX the locks were changed on my property while I was out of my home. I was never served with any eviction notice and I still have belongings in the property. On XX/XX/XXXX my realtor received a call from a man by the name of XXXX XXXX, who stated he was the REO manager who had changed the locks and that Fay servicing had never notified him that anyone was still living at the property. He was willing to make arrangements for me to get back inside the home to retrieve my belongings, but I still was never properly evicted and I feel that this is a violation of housing laws on the part of Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 non-monetary relief
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I checked my credit and I saw XXXX XXXX reporting me a charge off when this account was paid in full I reached out to XXXX XXXX and they realized their mistake they gave me a letter and they requested all 3 credit bureaus to remove the negative information from my credit file, XXXX removed it already XXXX removed it already but aquifex is refusing to remove it for some odd reason I need to go to closing I'm taking out a mortgage and this is killing me and there is nobody to talk to in Equifax they are violating my rights and they are violating the federal FCRA rules please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have sent disputes to each credit bureau and they never respond, none of the items disputed are updated on my credit report or even listed as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Im a global HSBC Premier customer. At signing- I was told if I maintain {$75000.00} or more in my accounts, I would not be charged any fees. While maintaining over $ 200k in these accounts- I noticed {$50.00} fees being subtracted monthly for a total of 25 months! I called 3 times and finally had XXXX of these reimbursed- and have called XXXX  times per week and interacted with online chat for the last 3 months - getting nowhere on the other XXXX {$50.00} payments hijacked from the account- a total of {$650.00} is still owed, PLUS the interest lost and accumulated on the accounts for the past XXXX  months. Im in a circular loop with them and can't seem to get anyone to take accountability with the bank. I want to get my money- transfer it- and fully close the accounts. This is very fraudulent activity thats cost me money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14
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: Their investigation did not fix an error on your report

Complaint:
Inaccurate information about a charge off account from members XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2023-02-17
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

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 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: VA
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 am an Apple Card customer. In XXXX of this year I made a monthly payment as shown on my XXXX to avoid an interest charge. Paying the full amount that was reported in the Apple Card app, I nonetheless was charged an additional interest payment by Goldman Sachs. After a number of conversations with Goldman Sachs and Apple, I was told today by Goldman Sachs that the reason for this charge was because I did not pay a previous months finance charge ( that had been partially waived by Goldman Sachs ), and that the full amount needed to avoid and additional charge could be found in my statement, but that the app would only report the amount necessary to avoid a finance charge for XXXX transactions. I have contacted Apple regarding this revelation and informed them that the data being sent to their app is erroneous and that their apps feature of noting the amount to avoid a finance charge is misleading ( or completely wrong ). Goldman Sachs for their part has done nothing to resolve this issue and has attempted to talk their way around the situation telling me that I am responsible for reading my statement, but they are not responsible for the functionality of the Apple Card app. In summary, I believe Goldman Sachs practices in this case are intentionally designed to mislead their customers, resulting in fraudulent finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AES/PHEAA
State: SC
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 a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: ENOVA INTERNATIONAL, INC.
State: TX
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 a victim of identity theft in which my social security number along with other identifying information has been utilized in order to apply for and/or secure accounts with various financial institutions. 

In XX/XX/2021, I received an alert notifying me that an account was added to my XXXX credit file with a past due payment history. I immediately contacted the company, NetCredit, on XX/XX/2021 in which I was advised to submit a police report. On that same date, I submitted my police report along with my FTC Identity Theft report. On XX/XX/2021, I received a response indicating that they completed their investigation and confirmed it was not fraud, therefore, taking no further action to remove the account. 

Prior to this instance, there was also a credit inquiry placed on my XXXX credit file from NetCredit. After contacting XXXX and the XXXX XXXX XXXX advising that the inquiry was fraudulently done, the inquiry was since removed. 

I do not understand how NetCredit refuses to acknowledge the documentation submitted and remove the account in once instance, but agrees that the actually application/inquiry was fraudulent and removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: CA
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I listed accounts I found on my credit record the accounts on file are fraudulent accounts those accounts not belongs to me this is a 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 2019-11-06
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paid our mortgage on Freedom Mortgages website on XX/XX/. The website failed to load the first time and I had to log in again, but only paid and hit submit once. I checked my email to make sure the payment went through and got one confirmation notice email that it had been paid. Today on XXXX I tried to use my debit card and it would not work. I checked online and found my account severely overdrawn. I saw that our mortgage had been taken out twice - once on XX/XX/ and again on XXXX. I called the mortgage company to ask that they correct the mistake and refund the second amount. I was told I would have to fill out paperwork, send a copy of proof from the bank that it was taken out twice ( even though it showed that it had in their system and when I logged into my mortgage account ), and then it would take 7-10 days for me to receive a refund check. I asked about the complaint process and was told that would take even longer - I could submit it online and they would reply within two weeks. In the meantime, my bank account would continue to collect overdraft fees and we would have no funds available for gas, food, or other necessities. The representative asked if I would like to set my payment up on automatic withdraw. Obviously I declined. I will instead mail a check in monthly so that they have no further opportunities to double charge us.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Bank of America account was hacked into and someone by a name I do not know transferred themselves a large amount of money through XXXX without my consent. The amount was {$1600.00} and the transaction took place on XX/XX/2021. I noticed this fraud IMMEDIATELY and called Bank of America within hours of the XXXX transfer. They told me they would attempt to stop the transaction and regain the funds. To this day I have nothing, I have no update from them except they are waiting to hear back from the other bank. They told me if the bank doesnt send them back the money I will lose my {$1600.00} even though someone hacked into my account and this was a case of fraud. They said theres nothing I can do because the FDIC only protects my money if the bank goes out of business and my money is not protected otherwise.

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 2018-08-06
Company: SYNCHRONY FINANCIAL
State: NC
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 had my identity stolen and reported it and told them that i never had a credit card or credit with this company. I dont even have any check books.

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