BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/20 I received an email stating results from a recent complaint had been responded to, however prior to that I received an update about my experian account regarding an open investigation ( my complaint made through CFPB ). Experian reflected 3 accounts that were apart of the 10 accounts disputed had been deleted from my file. Experian STILL has not rectified their blatant disrespect to me nor violations of the FCRA. What is it going to take to get the remaining 5 accounts removed? The proof has been sent repeatedly but experian either sends me stall tactic responses or in this case only addresses part of the situation.

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 2019-06-28
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX is reporting inaccurate data on my credit report, and will not fix the errors. 

See below. 

I am disputing XXXX XXXX XXXX XXXX reporting on my credit report. See below and attached documents. 
Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.

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 2019-06-28
Company: Performant Financial Corporation
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
IN THE YEAR OF XXXX I WAS ADMITTED INTO THE UNIVERSITY OF THE XXXX XXXX XXXX IN XXXX.I HAD TO BORROW LOANS FROM THE INSTITUTE UNTIL GRADUATION XXXX. AFTER GRADUATION I FOUND IT HARD TO SECURE A JOB. 
AFTER SOME YEARS I WAS ABLE TO SECURE ONE, BUT BY THEN MY SCHOOL LOANS HAD MOUNTED UP TO THE TUNE OF $ XXXX.THIS COMPANY CALLED PERFORMANT RECOVERY. INC WERE GARNISHING MY WAGES AND WERE TAKING OUT {$89000.00} EVERY TO WEEKS.AS A RESULT I HAD NOTHING LEFT FROM MY PAY CHECK.MY CAR WAS REPOSSESSED AND I EVICTED FROM MY RESIDENCE, I FINALLY STARTED BEGGING THE AGENT WHO IS CHARGE OF MY ACCOUNT THAT HE SHOULD PLEASE CUT ME SOME SLACK AND GIVE ME A LOAN MODIFICATION IN THE AMOUNT OF {$440.00} WHICH WAS HALF OF THE {$480.00} WHICH I WAS PAY INITIALLY.

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 2020-07-17
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: Information belongs to someone else

Complaint:
I applied for an auto loan through XXXX XXXX yesterday XX/XX/20 but I was not approved because when they ran my credit, they saw several accounts in negative standing. I had no idea I had negative accounts on my credit history and when I looked through my credit report myself I realized that none of those accounts are mine. The accounts in negative standing that are on my credit history do not belong to me nor did I ever give anyone permission to open those accounts on my behalf. I did not benefit anything from the accounts listed on this report such as money, goods, services or any other benefit nor did I contribute to any payments towards these accounts. I do not have any type of written/verbal contract or affiliation with any of these companies and I never gave them permission to run or access my credit file. I have already filed a police report regarding these unauthorized accounts.

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 2019-06-28
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 {$1200.00} and all of our bank recordsfor 3 months prior to this date for myself and other members in my household on our loan, social security numbers, and address. We then lost our house to foreclosure and were referred to a lawyer they use frequently and had to pay her {$670.00} on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I used my account with USBank to transmit {$1100.00} to XXXX  XXXX XXXX using BillPay. I also had them send XXXX ( my credit Union ) {$200.00}. They indicated the money would be available at both institutions on the XXXX of XXXX. It was not received by either. I started calling both USBank and XXXX XXXX XXXX on the XXXX. XXXX said they did not receive any funds and that I had to check with USBank. USbank said they sent it and it was XXXX XXXX XXXX 's problem. As a result I am unable to pay bills ( car payment which is now costing almost {$4.00} per day in interest and reflecting poorly on my FICO score and credit standing. 
The only way to contact USBank is via email from their website and I have done so each day including today the XXXX. Calling XXXX-USBanks takes about 14 minutes to reach a live person to explain my problem. USBank has been unwilling to do anything about this problem and they keep stating they sent the money and it is XXXX 's responsibility to fix the problem. 
Oregon is on lockdown so driving is out of the question for this reason : the closest USBank i 65 miles from my home in XXXX XXXX OR ( I live in XXXX XXXX ). The XXXX XXXX branch is only drive through. The next closest USBank is in XXXX Oregon which is 135 miles from my home. My XXXX plan is 400 minutes and I have used more than 200 dealing with both banks. I now have to pay {$.00} oer minute when using my phone until XXXX XXXXMeanwhile I can not access my XXXX  account to pay bills.I am also being charged a late fee and interest with my credit union . My credit worthiness is now in question due to the irresponsibily shown by USbank.

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 2020-07-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago

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 2020-07-17
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agency SEQUASTSOL reported a debt that I dont own to my credit report. As per SEQUASTSOL I own them {$47.00} for XXXX XXXX XXXX TV service, which is not true. I have other TV service provider and I dont own any money to them. I never received any bill from neither XXXX XXXX XXXX or SEQUASTSOL, I found out because I checked my credit report. They are using this COVID-19 unprecedented time to play with people emotional wellbeing through fraudscam with fake debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
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:
I have held a Diners Club card since 2002. At some point in the past two years, the current franchisee ( BMO Harris ) stopped offering Primary Rental Car Insurance on this card. The bank did not notify me of this material change to my card agreement, despite the fact that I pay a {$130.00} annual fee ( {$95.00} plus {$35.00} additional cardholder fee ). Attempts to contact the bank have been ignored.

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 2022-11-25
Company: EQUIFAX, 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 have been a victim of identity theft/FraudI disputed this fraudulent XXXX XXXX charge off account on XXXX via Equifax and XXXX XXXX XXXX They did not respond to me and did not correct the issue. I am very upset and Equifax and XXXX XXXX is violation of multiple consumer laws. I have submitted a police report, FTC Report and a letter explaining the laws that were broken. I am demanding that this issue gets correct immediately. If not, then I will be filing a lawsuit and suiting for damages. Please comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans are serviced by Navient. I have been paying them off for 3 years and my balance is higher then my initial loan amount. Way more money is being paid toward interest then principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
This account was removed off my report due to identity theft XXXX continues to report this after I sent over multiple verification letters and identity theft reports XXXX took this off my credit now put it back on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SANTANDER CONSUMER USA along with XXXX XXXX XXXX have committed fraud and have scammed me out of money. The auto contract that they had me sign was deceptive. They furnished a false and deceptive form to take advantage of me. They took my money in a consumer credit transaction that contains a finance charge, which does not include charges of a type payable in a comparable cash transaction. They then went on to add my cash down payment of {$2000.00} to the grand total it'll cost me for the purchase of credit instead of subtracting that amount they took from me, which was unlawful to begin with. They titled the credit application as " Retail installment contract and security agreement, '' which is furnishing false and deceptive forms. Within the Truth in Lending disclosure they stated that I'll be paying {$460.00} for 72 months, which equate to {$33000.00} but the finance charge is the only charge I should have paid due to it being the sum of all charges pursuant to the Truth In Lending Act, which was {$22000.00}. Furthermore, the finance charge shouldn't be paid in cash because a consumer credit transaction can only contain credit or cash, not both. The use of my credit card ( social security card ) was used to pay the finance charge, which was {$22000.00}. These corporations have violated the Truth In Lending Act and deceived me in the process of purchasing the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BMO Harris began charging a monthly {$12.00} fee to my checking account for having too low of a balance, after years of the account having no fees, and without any notice, as required. Eventually these fees totaled {$210.00}, or 44 % of the balance of my account. 

Because this was an account I no longer use regularly, I only discovered these fees a few days ago. The fees began in XX/XX/2019, and continued monthly until now. I was shocked to see my account balance drop from {$480.00} to {$270.00}, when I wasn't even overdrafting. The bank was simply holding onto 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 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was over drawn in XXXX and XXXX. I was making small payments to my account. I finally was able to secure a new job and was not made aware that capital one had put a permanent freeze on my account. They then accepted almost XXXX XXXX dollars in direct deposit from my employer. I called last Thursday to find out why my atm card would not work and was informed that they had frozen my account. I asked if now that I had direct deposit they could open it up. They said no. I asked if o could withdraw my money they said no. I explained that I was on a Covid crisis response nurse travel contra and needed my stipend to secure housing. They said no. They did agree to expedite my check. Fast forward ten days and 7 business days later no check. I check my bank account and see that they have accepted two more direct deposits so now they have XXXX XXXX of my dollars and not closed my account. Im living in my car and have run out of food. I have over. XXXX in their bank and they tell me oops, Ill have to wait another ten business days. This is unacceptable. Im not disputing their right to close my account. Im disputing their lie of getting me a check last week, accepting another direct deposit and because they messed up still having to wait what will now be almost twenty business days got my money. I have lost my apartment, Im about to lose my job because I dont have money to wash my uniforms, let a lone take a shower everyday while living in my car in the XXXX XXXX parking lot.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was a victim of identity theft and the company isn't recognizing that and asking me to pay them back in full. I have substantial proof that I didn't do it and I would be glad to send you that proof as well. And it's reflecting on my credit score as if I owe this when in fact I was a victim.

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 2018-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX my sister passed away. She had a health care savings account. I am the Executor of the will. In XX/XX/XXXX I contacted Bank of America to notify them of her death and request release of funds. I was told to send a copy of the death certificate which was faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America requesting additional documents which stated I needed to send 1. I immediately sent them another death certificate and the XXXX XXXX XXXX XXXX. This was sent on XX/XX/XXXX. On XXXX XXXX, XXXX XXXX and XX/XX/XXXX I sent the same information along with telephone calls. Telephone calls were also made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told that they would have to send me a Beneficiary Designation Form which I informed them that she could not sign since she had died. I filled out the form and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying they needed additional documents. I spoke with my attorney and the office of the Probate Courts and both told me that those documents are not necessary. They both informed me that they are just delaying payment. On XX/XX/XXXX I contacted Bank of America once again by telephone to resolve this to no avail. On XX/XX/XXXX I was informed that they did not have a death certificate and now they needed different forms. I called them again on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I can not get any resolve to this matter. There should be {$480.00} in this account but Bank of America keeps deducting monies from the account.

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 2023-02-16
Company: Eastern Account Systems of Connecticut, 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 have disputed this fraudulent account to XXXX and its third party collection company and they continue to re report this fraudulent XXXX Account to my report. I got a divorce and moved from XXXX XXXX XXXX in XXXX. XXXX says this account was opened in XXXX. When I left we had XXXX XXXX XXXX. If there was a XXXX there I DID NOT AUTHORIZE it. This is not the first account that was opened fraudulently in my name without my knowledge by a person of trust. The dates are inaccurate and the information is fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation