BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: F.H. Cann & Associates, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I Have been paying my monthly payment as I have been requested to each month for nine months to get my loan back in good standings and out of default, Fh cann asked me to fax over paper work back in XXXX after I found out my taxes were taken and I could set up payment to be back in good standings and off off the offset list. I was asked to fax over tax forms and pay stubs alone with employer info which I did along with my terms and condition form ( I have fax confirmations and emails. ) Without this form i will not be able to go back to good standing within 9 months, I have been contacted several time throughout the year stating they did not receive the form. But they received all other forms? I have faxed emailed and mail this letter nemours times in hopes that this would be settled. Only to get a call back months later to say they still have not received all the paper work but yet still taking payment from my bank account. I tried reaching out to management which is always busy and cant get on the phone, ask for corporate number with no luck and being told that I need to call the same XXXX number as customer service ( XXXX ) I don't know where My money is being sent at this time all I know is that I am making payment. Tried to reach out to Department of education with hopes of getting somewhere unfortunately I've been told they can not help me at this point until Im in good standing.Which I should be at this point but I feel im getting no where with this company. I need help Because as a single mother I cant afford to make these payments not knowing where they are going and to have my taxes intercepted again when in reality Im doing all that I should be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX/XXXX  XXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Experian Information Solutions 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 downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXXXXXX XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXXXXXX {$290.00}

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 explanation
Consumer complaint received 2019-09-30
Company: Bryant, Hodge & Associates LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Company Bryan, hodges , & Associates are sending spoofing text messages to me not identifying who they are but are portraying they are a friend and to call them back. Photo is attached. When I attempted to call out of concern the caller did not identify  themselves. I was told " XXXX '' was their litigator and then hung up on. I called back to try and gain some information on the company and why they were reaching out. I was met with hostility and then hung up on. I called a third time asking to speak to XXXX. I was told she doesn't accept incoming calls and she is a locator. I asked to speak to a supervisor or manager and was refused. At no time was I notified my call was being recorded.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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 am writing a request to investigate accounts that do not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.

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 2019-11-07
Company: LEXISNEXIS
State: KY
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:
On XX/XX/2015, I totalled a XXXX XXXX XXXX VIN # : XXXX which was registered and insured in my wife 's name. It was my fault. I was charged with XXXX as a result of the accident. No one was hurt. 
XXXX XXXX XXXX XXXX XXXX which provided coverage for the XXXX and continues to provide our coverage to this day has me listed for two ( 2 ) are fault total loss accidents one day apart from the other. They have me as being at fault on XX/XX/2015 and XX/XX/2015. The XXXX was the only vehicle we owned at the time. What's more, in XXXX 's own details it states that I was at fault for two total losses of the same XXXX XXXX XXXX. The vehicle was a complete loss and was towed away to XXXX 's analysis center on the XX/XX/XXXX, giving me no access to it. This dual at fault total loss combined with the XXXX has kept our insurance rates over the moon. I spoke with XXXX about a year and a half ago and they told me that there was nothing that they could do. It had been entered into the system, so that's how it was. Now, help me out here but that sounds like a load of bologna to me. They gave me the number to Lexis-Nexis but they also gave me the run around. I was wrong. I admit and since XX/XX/2015 I got XXXX and strive to maintain a higher quality of life for my family. I don't know what else to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2021-12-20
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
My wife sent XXXX to my business b Venmo account. They in turn suspended not only my account but hers Also. We both provided all documents asked for an Venmo respond saying a vague policy reason.An refuse to open account and access money. Them says have wait XXXX just in case charge back. Which is impossible because the account has no card attached. 
That was Bill money and placed us in financial hardship. I ask to be able to access our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company has failed to provide sufficient verification to the three credit bureaus as I requested to have verified this debt belongs to me as they say, and nothing has been sent to me as any proof therefore they have now again sold my information to yet another collection agency that is abusive on the phone please be aware of this scamming company the names are Jefferson Capital Systems LLC and XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: AES/PHEAA
State: PA
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:
My student loan was in forbearance XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not late and I want late notices removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
O

ur Lender Loancare reported us to Credit Bureaus with a late payment. This dropped my husband 's once great standing credit as well as being denied a loan. Apparently our county taxes increased which in turn changed our mortgage payment. We made all of our payments thru online banking and they were sent at the end of the month to avoid any late fees, or late payments. 

When XXXX 's payment was made they put that in a suspend account due to the shortage of approximately {$30.00}. 

Then when XXXX came around another on time payment was made. Shortly after this I received notification by mail my payment was late, so I called loancare to find out what was going on. This is when I first learned about this issue. 
At this time I had no idea it would effect our credit. It wasnt till later when we applied for a loan elsewhere and were denied that I contacted them with a letter on XX/XX/2019 to have the reporting removed. They said they could not help because they contacted me more than once. 
I did say if they tried by phone that I do not answer any " 800 '' numbers because they are typically robotic calls or solicitations. 
They were not willing to change anything and said I should contact the bureaus. Again all payments were made On time and were never late.

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 2019-09-29
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
One month ago, my account was overdrawn, ( we did not know because an automatic payment came out at XXXX and our direct deposit went in around XXXX ... Spoke to customer service being that it was out first overdraft we received our money back, set up a plan to have the money come directly out of our savings for XXXX dollars if this were to happen again, I was suppose to receive paperwork to sign and send back. Never received. Going forward our account over drafted again and with in 24 hours the money was transferred out our from out savings. Tried to get the XXXX dollars back did not work. So I asked how much I needed to transfer for this not to happen in another 24 hours I did as he said, and still received another XXXX dollar fee. That it XXXX dollars ( a lot to parents who live paycheck to paycheck ) I understand there are fees, but sometimes it's not ways the customers fault. Some companies debit the wrong amount tales says to be refunded, that is also what happened with our account. We are looking for XXXX in return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2009, I was XXXX and graduated high school. My mom took me to get a credit card from Wells Fargo Bank on XX/XX/2009, I was approved for a {$400.00} credit limit, but no-one explained to me how to use it I was just told don't max it out. I was very young and had no idea what credit even was. My mother was taking me out to dinner to celebrate and we discovered we had a flat tire along the way, we used all the money we had including my credit card to buy a new tire. The only money we had left to eat was the remaining balance of less than {$200.00} on my credit card so I fed myself, my mother, and my XXXX  siblings. I can't get another unsecured card because of this and I feel like I'm being punished for my lack of knowledge on how to use a credit card at XXXX. I'm XXXX now and I know how to be responsible with credit cards and I have a secured card now with a {$200.00} limit with XXXX but I need more credit because I take care of my sick father and a {$200.00} limit isn't enough for me to take care of him, and my household.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
I would like to have my items deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as identity fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil 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 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased this car XXXX of 2017. I was ontime with my payments in the beginning but i became a victim of XXXX XXXX in which i was unable to work due to XXXX XXXX, XXXX XXXX, being relocated to a harmony home because of many threats. Now i am in the process of trying to purchase a new home due to the offender being arrested and i am trying to start fresh with my daughter my credit report is not the issue. All that i ask due to me being a long term customer with Capital one and due to me getting a settlement i am able to catch up with my bills and become current. I am requesting that they give me a second chance with my life by revising my trade lines with the credit reporting agencies. I sincerely hope that there is redemption at Capital One, and i beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome. 

Regardless of your decision, please know that i thank you for helping me at a time when it was needed, and I hope to do business with Capital One again one day! I have been through XXXX and back and i am now a living testimony!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HSBC has block my account without any valid reason, to protect me they said. They unwanted protection cost me a bunch of late fees on different account, a notice eviction, and I have to borrow money in order to pay basic stuff like foods, water, electricity. I would like them to refund {$1000.00} of late fees on other account, eviction fees and other fees i have incurred. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: National Collection Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your recent contact dated : XX/XX/2019.

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Bank Of America for over 12 years. I have never had an issue with fraud till now. On XX/XX/XXXX, i had {$1400.00} taken out of the ATM. During the time of the incident i was at work 25 miles away from where the money was taken out. I have shown proof that i was no where near the area where the money was taken out. I have proved my work work schedule, email screen shots, my phone location throughout the day, and also written statements from co workers showing i was work the entire time. My original claim was denied within a week, and on the XX/XX/XXXX i reopened the claim and waited until XXXX.19 to hear back, that is almost THREE months, and they denied my claim again. They never reached out to me ONCE, and every time i called in, there was no update, only just that the bank was doing more research.I trusted BOA to protect me when something happens, but it feels like im the one fighting my bank to get my own money back. I have provided numerous documents and BOA has proved me nothing but a wave off. they have VIDEO of this happening, they KNOW what i look like, so its very CLEAR that it was not me who pulled out the money! I have also thrown had my old debit card thrown away and have requested BOA text alert me before any major withdrawals are made in the future. If this claim does not get resolved, i will lose all faith in BOA and will for SURE change banks and take my business elsewhere

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 2021-10-05
Company: JPMORGAN CHASE & CO.
State: TX
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 ( XXXX XXXX ) with account ending in XXXX sent a claim to : Chase Amazon Claim Services. In regard an unauthorized charge for amazon.com. Order XXXX. Order date XX/XX/2021. Dispute Amount : {$140.00} USD. 

However, I have not received my credit back. For this reason, I appeal to your help to resolve this issue. I did not authorize this charge to my credit card, and They have not give me my credit and money back. Consequently, I am paying that debt and that fraud plus interest. I am a XXXX person and I have no money to pay for the theft they are doing to me. So I ask you to fix this fraud with Chase Bank and Amazon, to return the money that I have paid, and to get back my Amazon account, due that although I am paying, they cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: TX
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 to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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