BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2017-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
This complaint is about the Bank of America and our billing dispute for {$62.00} for the company called XXXX and XXXX ( the 2 companies are now one ). The XXXX XXXX Deals, sold and advertised directly on their site are special promotions, generally at about 50 % off and they must be pre-paid by credit card. Their ads are savvy and enticing, and they must be pre-paid! 

They entice consumers to try merchants who they might not know about, which is great for the merchants. I only contacted XXXX XXXX ( a home XXXX XXXX XXXX ) because of this XXXX XXXX Deal, and when they came, instead of honoring our pre-paid Certificate, we had to write a check for {$160.00}, so we did pay double and we WILL NOT do business with XXXX XXXX or XXXX ( XXXX recently bought their competitor XXXX XXXX ). We ( XXXX and XXXX XXXX were really angry and upset that we were " taken to the cleaners " by XXXX XXXX. 

SInce XXXX XXXX, XXXX, when our billing dispute began, Bank of America has repeatedly asked us to send in dispute forms ( duplicate request -- all 3 disputes the same because they are not understanding ) ... and we also have sent proof of duplicate payments 3 times now, and are dragging their feet on honoring our card-member agreement and somehow act as though, they want to close the dispute, falsely claiming that I have not sent enough proof that even with a PAID CHECK ( BOTH SIDES ) I re-send this to them today by mail, because BOA wants to believe whatever lies XXXX XXXX is telling them, in response to our billing dispute on our Bank of America visa for {$62.00} because their Service provider, XXXX XXXX when they came to our home for our appointment on XXXX XXXX XXXX, REFUSED to honor our XXXX XXXX deal that we bought just 10 days earlier. ( PLEASE SEE ATTACHED ALL DOCUMENTS AND PAYMENTS ). 

The problem at XXXX XXXX/ XXXX is they do not offer customer service. We do know how to read and understand all terms and when you have a problem, they are not customer service oriented the way they used to be, their " ONLINE CHAT "  system at XXXX XXXXXXXX XXXX website is time consuming and they aregue down their customers with an " upside down " customer service policy that promotes this type of Fraud & Abuse. 

Further, BOA, Bank of America, seems most interested in protecting the GIANT company, ( XXXX ) rather than their consumers. 
We want the CFPB and the FTC to investigate BOTH Bank of America and also XXXX XXXX / XXXX for FALSE ADVERTISING/ DECEPTIVE advertising policies and other violations of Federal law that protects consumers from FRAUD.

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 2020-05-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I became XXXX on XX/XX/XXXX. I filed a new Income Based Repayment plan and the servicer ( Navient ) acknowledged receiving this on XX/XX/XXXX. They increased my payments instead of lowering them. I had included my Income Verification with that application, but, as is their habit, they discard the Income Verification information or claim it has not been received so that they can miscalculate the IBR plan ( or so it would seem ). I received NO income between XX/XX/XXXX and XX/XX/XXXX, yet Navient increased my payment amount by 30 %. My income after XX/XX/XXXX ( and since ) is only 66 % of my previous income. They finally recalculated my IBR on XX/XX/XXXX but claim I must pay the inflated payment from XX/XX/XXXX. This is unfair, as during the month preceding XX/XX/XXXX my income was only HALF of my previous income ( 66 % for 3 of 4 weeks and nothing for one week ). 

I received information that Student Loan payments have been suspended until XXXX. However Navient claims I must continue to make payments. I know that I refinanced my student loans with the Department of Education years ago, but there is now a claim that only Department of Education loans after 2009 are eligible. It is highly disturbing that this claim is made, since there has never been any public notice that there was a cutoff date associated with Department of Education loans. All government notices ( including notices from Navient ) do not include any such cutoff date. This certainly appears to be negligent activity and a case of intentional disinformation ( if it is true ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to hereby denounce XXXX XXXX XXXXXXXX XXXX for continuing to violate the FDCPA. Over 30 days ago I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Nothing has been provided. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX XXXX continues to report negative information on my report fraudulently. This is my last attempt to have them comply with the law immediately before I move this matter to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a used vehicle in XXXX through GM Financial. This was XXXX XXXX XXXX. I made the first 4months on time if not early. I then got into an accident before the 5 payment was due. The auto policy through XXXX XXXX at the time totaled the vehicle and they took the vehicle. My Gap insurance that was puchases with the vehicle paid the remaining balance. GM financial then tried to collect an amount from me that they forgot to apply to the intrest after the vehical was paid off. I then reported the to the XXXX and the found them at fault as they had to remove it from my credit report on all 3 bureau. Years later approximately around XX/XX/XXXX they started to report to the 3 bureaus again as i tried to call them. And they refuse to fix it. Please look into it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX - Transfer of {$10000.00} rejected by Chase from XXXX XXXX XXXX ( I am the owner of both accounts ) XXXX - called customer service rep, told me Fraud team rejected it, fine verified the identity together with XXXX XXXXXXXX XXXX Chase told me to try to transfer $ XXXX again and rep said she put the notes to not reject it as she verified I am the owner on the account XXXX - Chase again rejected the transfer and locked me out XXXX - I called Chase again, rep told me Fraud team rejected it, and the rep said don't know why. While restoring online access, the Rep deleted the external account I have to have the money in the bank account for a payment XXXX - what can I do now? Why is the Fraud team NOT READING the notes?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
with Equifax For the past week I 've been trying from XX/XX/XXXX - XXXX-XXXX 2017 to initiate online disputes for 4 medical collecations that have all been removed from XXXX and XXXX. They have such high volume calling I ca n't get through and you can not initiate the dispute f I 'm the app or web portal. I 'm a paying member of their site and ca n't get disputes started with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX  XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX via EXXXX XXXX XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX XXXX via XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX 13. XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX-XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2019-08-13
Company: Experian Information Solutions Inc.
State: TN
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-08-13
Company: EQUIFAX, INC.
State: MO
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:
There saying my account XXXX XXXX XXXX XXXX  is closed. And its not! Im still making mortgage payments. My bank sent a certified letter to Equifax or the credit bureau a week ago. My credit rating went down 40 some odd points because of this problem. I need your help to fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX Benefits payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.

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 2020-05-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I've been robbed of my XXXX XXXX AAdvantage airline miles. I opened up a few of these cards due to promotional offers ( i.e. get XXXX AAdvantages miles after spending {$4000.00} ), and met all of the requirements to do so. I received the miles into my XXXX XXXX account, just like Citibank said they would - great! 

However, recently my upcoming flights were canceled and then my entire XXXX XXXX account was closed! I was accused of fraud, and they wouldn't even tell me why. After over a month they finally told me that I had fraudulently obtained AAdvantage miles from Citibank!

I didn't commit any fraud, and I don't understand why Citibank told them I did. This is a flat out lie and I'm extremely frustrated.

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 2020-05-18
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
sent notice for debt validation to Emmett L. Goodman , Jr. , LLC on XX/XX/2020 for debt company claimed I owed. As of XX/XX/2020 this company has failed to provide any information via telephone, email or postal service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX XXXX : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX  XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX via EQUIFAX MORTGAGE SOLUTIONXX/XX/XXXX 3. EQUIFAX MORTGAGE SOLUTION - XX/XX/XXXX 4. XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX XXXX via XXXX - XX/XX/XXXX 9. XXXX XXXX  - XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX   - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making 2 payments per month directly from my bank to the mortgage company, my mortgage is due on the XX/XX/XXXXof every month. I make a payment 15 days prior to the mortgage coming due and then on the XX/XX/XXXX. I was told that because there is no balance due on the account on the XX/XX/XXXXof each month, the loan company has been applying my payments to multiple accounts including principal. On my loan statement, it states that the funds would be placed in suspense and then when the balance of the partial payment is made it will then be applied to the mortgage. This has not happened. 

I have called the mortgage company and submitted online emails to them advising them that I am current. I have provided them a list of all the payments made that are confirmed from my bank. 

Each call they tell me that they will remove the past due fee and correct the problem. I have learned that on several occasions, the representative only removed the past due fee but never corrected the transaction. I am now showing a past due balance of 1 full mortgage payment. 

I did track back to an error that they have not fixed and they are now advising me that they can not correct the error because it is in last years transactions and that year is closed. They asked me to place my request in writing but there is a good chance that they will not correct the change. 

I am showing late on my mortgage statement and I am in the process of applying for a home equity line of credit with my bank. I had to explain for this and am being impacted because of this error. If it isn't fixed I am sure that they will at some point place me into foreclosure because of their errors. 

I can show all my payments to evidence timely mortgage payments were made. 

I need help! Can you assist?

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 2018-07-16
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a XXXX patient, XXXX does not charge for any XXXX related expenses if you have had the XXXX XXXX. XXXX has a contract to see XXXX patients. I told XXXX the {$50.00} should not be charged to me. I told I.C.system of XXXX, MN XXXX the same thing. I repeatedly gave I.C. system the account no : XXXX and I.C. System Reference No : XXXX and the true statements they repeatedly transferred me would not remove the charge and would not read me back the note that they had taken my statement.

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