BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ordered a free credit report from EXPERIAN. There was a " potentially negative '' entry related to an entity identified inly as XXXX, which I believe is XXXX XXXX XXXX. That entity serviced my student loans for a period of time. The entity then transferred those loans to the current servicer ( s )  XXXX. Attempted to call EXPERIAN to inquire about what exactly was the negative aspect of my relationship with this entity. Tried to call a number of times, on a few different numbers. Nb. all calls were made during EXPERIAN 's posted hours of operation. No luck. Only contact was with an automated phone attendant and I was not provided with an option to speak with a representative.

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 2018-10-29
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity tiff someone got my card information and used it to shop I contacted the company this was already removed from my credit report and now its back, I had a XXXX account and was paying my bill on time every month until this happened and the company wants me to pay that bill when Im not responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to transunion and got it corrected only for it to revert back.

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 2018-10-30
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed information with all three credit bureaus several times about student loans and credit card debt as well as automotive debt that is on my credit report that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received daily phone calls from a company called XXXX XXXX , XXXX Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , PA . They claim that I was paying on a debt that was being collected by a previous debt collection company, almost a decade ago. And that the other company went out of business without me having paid off the debt, which was originally owed to Citibank. I do not owe a debt to Citibank and have no memory of ever having an outstanding debt with Citibank. 

I sent a letter to XXXX XXXX informing them that I am disputing the debt. The letter was mailed as a Priority Certified mail parcel, XX/XX/XXXX and arrived to the post office in XXXX XX/XX/XXXX. So far the post office is saying that no one from XXXX XXXX has attempted to pick up the mailed letter. 
I believe this is intentional and that they are not picking up the letter, as then there would be evidence that they had received the dispute letter. I suspect that they will wait a significant period of time to retrieve the letter, so that they can claim that it was received outside of the 30 day window. 

Now they have started calling my wife in addition to calling me. 

The Account # XXXX XXXX assigned to me was XXXX, and they stated that the original account from Citibank was 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 explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX  , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

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 2019-05-23
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans are currently being Serviced by AES, but they were previously with XXXX. During the time that my loans were with XXXX after my graduation in XXXX, they reported that my loans were delinquent whereby the original balance of {$24000.00} ( sub ) and {$10000.00} ( unsub ). While with XXXX, I was on a repayment plan. XXXX never advised that I had at least 4 deferment options on my account prior to listing my loans in default. I got on a repayment plan and was able to maintain great payment history. Since being on a repayment plan, my loans were transferred to AES on XX/XX/XXXX. It appeared to have two dates of transfer reported by XXXX, but the dates show the full amounts of the loans which may be inaccurate ( {$54000.00} on XX/XX/XXXX and {$44000.00} on XX/XX/XXXX ). My loan was only tranferred to AES once. Why is it showing multiple instances? When I called AES last week to understand my overall repayment and when I should be completed repayment, she advised in XXXX. How is this possible? Isn't this predatory lending? Before the default placed by XXXX, I only had about $ 30K remaining for repayment. I have been consistent on the repayment plan so my loans should not take me way into XXXX to pay off? The rep advised that if XXXX put me on a deferment that my loan repayment would have been paid in full by now and that they did not do a great job in servicing my account prior to them transferring the debt with them She also advised that there may be possible that my loan repayment was incorrectly applied to my account while with XXXX. To date, I have now paid {$110000.00} total, {$81000.00} principal and {$35000.00} interest and {$500.00} late fees which is nearly 3x the amount of the original debt. The rep advised that my loans may have been reported inaccurately as my account would have never been marked delinquent if they would have applied the deferment. My credit reports have experienced a great loss due to how XXXX handled my account and I wish to have part of my current loan marked as paid due to the negligence as to how XXXX handled my account before being transferred to AES. I should not have been in default nor my loans marked as delinquent and I wish to have resolution on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Several employees at bank of America for this entire year have been telling me I have a claim and it takes 3 weeks but everytime I get there I am wrongfully denied and referred by the experts looking at the record and making the right decision. 

I am aware of the regulatory agent treeah XXXX XXXX ext. XXXX whom called me around 3-4pm eastern time today and stated that she came to a resolution on my case and she said I could file a claim under identity theft fraud and that she had gotten approval that I could file a claim and she gave me XXXX XXXX to call. But the guy said no and his supervisor said she understood but that I needed protection first and transferred me to the protection program then I spoke to myia whom said yes this is a claim and transferred me back to claim then the lady denied me and everytime I get to claims I get denied. This is unfair.

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 2018-10-30
Company: FCI Lender Services Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My house was foreclosed on a XX/XX/2018 and there was a bankruptcy filing that discharged the debt owed on the second mortgage in which XXXX XXXX is claiming. On multiple complaints I've requested for a simple letter from XXXX XXXX XXXX XXXX XXXX to relieve me of the debt that is no longer owed, but yet again it appears that they want to resell the discharged debt to another collector and creating more distressful life for 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 2018-10-30
Company: Experian Information Solutions Inc.
State: WA
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 send the three letters to validate my information And they havent sent me any proof that shows that I owe that amount The first letter was sent on XX/XX/2018 XXXX XXXX  sent the letterThe second letter was sent on XX/XX/2018The third letter was sent on XX/XX/2018 to experian I send All the letters certified

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 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My identity was stolen, my checks and driver licenses were used fraudulently resulting in my back account to be closed and the bank listing me as fraud alert which is stopping me from opening an account, I have paid the necessary fees for the account, but Im still listed as fraud alert I have disputed this matter several times

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 2020-08-27
Company: ACIMA CREDIT, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am renting an apt . in XXXX, NC XX/XX/XXXX and was trying to set up my XXXX XXXX Acct for electric but received a letter that they could not approve my service because there was a security freeze on Equifax and that is the only credit reporting service they use. I called Equifax to lift the freeze and was asked at least 10 questions including giving them all my personal information as well as credit card balances which of course I had to look up on line. The final shock was they wanted to know what date I set up the security freeze which I had no idea. I have had my credit frozen for years and lifted it any time I needed to. I know I placed a freeze with Equifax before their hack, as that was how my personal info. was compromised. I had no way to find out the date and Equifax refused to lift my security freeze thus I am unable to rent the apartment. This must be illegal and will cost me dearly financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: WELLS FARGO & COMPANY
State: AL
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:
This account has been paid as settled. They continue to report the payment status as a charge off every month Shows XXXX charge offs.

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 2020-10-13
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was never contacted about owing anything to XXXX. I call the collection agency phone number : ( XXXX ) XXXX that is listed on the credit report and it said that is no longer in service and to call XXXX XXXX XXXX. The call to that number ( XXXX XXXX XXXX ) automatically drops and it doesn't work. 

I contacted XXXX  ( XXXX  ) and they said that this is from a XXXX account that during that time I had XXXX  out. They had given me monthly discount due to all the issues that I was having and they tried to recharge me for them. Back in XXXX I requested to speak to their supervisor and I asked her to go back and listen to the recorded phone calls. She agree and informed me that she would contact me back with a response. She called me and told me that I was correct and they went back and took the amount that they had charged me off and she told me on the recorded line that my balance was {$0.00} and wouldn't owe anything and I'm good to go. 

I requested the XXXX agent that I spoke with today to go back and listen to those calls and she said that she couldn't as they don't keep information for that long. They had charged me back a year later ( in XXXX ) and never reached out to me for it. I have 4 other services with XXXX and they have never even brought this up with me ( all under the same phone number as before ). This charge is false and I request them to go back to listen to the past phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: MOHELA
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below on my student loan which i thought were already taken care of. 

XXXX / XX/XX/2017 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I received via email an offer that regards opening a new HSBC checking with the incentives and conditions as indicated below : - Get a {$350.00} Welcome Deposit for eligible new customers who open a new HSBC Advance checking account with qualifying activities.

Limited time only.

Open your new HSBC Advance checking account online by XX/XX/2018 ; and Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. 

On XX/XX/XXXX, application for Advance Checking account is approved. 

On around XX/XX/XXXX funds on the amount of XXXX are transfered to the new account and the amount of over 10,000 is maintained through XX/XX/2018. 

That is, the conditions required by HSBC in order to received the " Welcome Deposit '' were met in fact they are exceeded.

On several ocasions I called and chat with the customer service department, with continues without solving the problem. I am sure they can provide log information. 

However, in spite of many phone calls, chat messages and visiting the local branch of HSBC on XX/XX/2018, none of my complaints have worked and NO Welcome Deposit has materialized as promised.

This offer from this bank is either misleading or it is a scam and HSBC should be hold accountable of their actions ( or inactions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying and working with Pentagon Credit Union for the past few months, and I even contacted them through the lawyer who closed my mortgage with PenFed when I refinanced it. They say the made a mistake but never reply or contact and have placed an incorrect credit report on my account causing my credit score to go down. It has been very painful and they dont seem to care

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 2018-10-31
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got behind on my payments which are due every two weeks because I started a new job. When I got established in the new job I set up a payment arrangement to pay every Friday ( pay day ) until I was caught up and I was keeping the arrangements. However, the company keeps calling me to collect and I tell them that I have a payment plan in place but the still call EVERY DAY. I have talked nicely with them and they keep saying that will notate the account and the calls will stop but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medical debt on my credit XXXX  credit report not responsible for ... .I explained repeatedly and two of the three bureaus removed the debt ... ..Do n't understand why they keep harassing me to pay it.It was an accidental injury while I was a patron in restaurant ... .Owner agreed to pay bill. XXXX XXXX owned establishment.

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