BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I wish to complain about a credit card that was opened fraudulently in my name since XXXX of XXXX  and it's been reported as a derogatory report on my credit report. This incident happened in the year XXXX when i was about moving into my current home. I got a call from a man that claimed he worked for Bank of America and that he was calling to help me consolidate my credit card debt. He then explained to me that instead of making several payment, that i will be making a merged payment that will be disbursed into my other account. after the conversation, this guy went and opened fraudulent credit cards in my name, one from XXXX XXXX, and the other from Bank of America. By the time I realized that it was a scam, he had moved money from the Bank of America credit card, but i was able to close the XXXX XXXX. I reported the case to the police and they said there was nothing they could because he had always called me from an unknown number. I have done everything within my means to dispute this debt but it's still been reported on my credit report as a derogatory claim. I will appreciate your effort to intervene with Bank of America to remove this claim from my credit 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 explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payment status reported on XXXX XXXX XXXX   XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. 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 2019-03-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.

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 2020-09-20
Company: Ascendium Education Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was looking over my credit report and noticed that there was inaccurate information and need it to be removed due to debt paid full. Listed below are the accounts that are showing inaccurate and paid in full. 
Accounts : ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TCF NATIONAL BANK
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Back in XX/XX/XXXX i asked for a extension for my car payment of XXXX and was accepted to not pay my loan till XX/XX/XXXX due date but since i am on a very strict income { fixed }, i have a 10 day grace period and with that said i pay on the XXXX of each month through XXXX. When i accepted the extension 'They asked me if i could pay for it after wards and i said no ' end quote. I have been threatened nagged harassed by this lending company in California and i asked many times to either lower the payments or take the car back either by voulantary surrender or reposession they will not refinance or lower my payments because of PERSONAL HARDSHIP. i only make XXXX month and have rent, utilities, life insurance to pay, medication { XXXX XXXX XXXX XXXX XXXX XXXX XXXX }. These people do not care about anything but getting the MONEY and i need help. A bank took money out of my account after the claim closed because the merchant somehow put the money back in which i think was a fake. I am a victim of ID THEFT SINCE LAT XX/XX/XXXX. Please help me to lower my payments if you can. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Honda financial offered a two month Payments deferral towards the end of the life of the auto loan. Now my balance for sample was XXXX after the two months my new balance was XXXX so it went up because they added interest charge on my account for the last two months. So instead of starting making payments on XXXX where I left now I have to start making payments on a higher amount on top of being changed interest for the last two months. So is Honda financial helping customers due to COVID 19 or XXXX  up the customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My total loans were $ 71K+ subsidized and unsubsidized at a fixed rate of 6.8 % - I was on 1 year Economic hardship forbearance since last spring Until XX/XX/2018 I was informed I was going to be billed > $ 26K of accrued interest - which If I didn't pay it would be added to my loan balance. 

I am at 6.8 % - that should have been an increase of less than or around $ 5k and now my loan is {$98000.00} - From $ XXXX - 1 year accrued interest that is supposed to be at 6.8 % and they charged and added > $ 26K to my loan balance. 

I wrote them and emailed from their site and I have heard nothing. 

I used XXXX XXXX 's website and looked at there " understanding your interest '' section - below is copied directly from XXXX XXXX 's page about how to figure your interest accrual : " How To Calculate Interest To calculate your daily interest accrual, use the following formula : Interest rate current principal balance number of days in the year = daily interest '' So, my fixed rate multiplied by the loan total since last payment : 6.8 % * {$71000.00} / 365 = {$13.00} daily interest -That is the daily interest accrual for my loan. 

My interest accrual of course would have been the entire 365 days while on hardship - which comes out to {$4800.00}. 

They added > {$26000.00} of " accrued interest '' to my loan. That is an increase that equals >32.62 % of my entire loan value. They have not responded to my email questioning it. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
CMRE Recorded my confidential communications without my permission. It has been over 30 days and they have not responded to my authorized Represenative. No lawsuits have been filed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a Washington Mutual HELOC that I paid off in XX/XX/2009. The satisfactory of Mortgage that WaMu submitted to the XXXX County Clerk office had the wrong Section, Block and Lot number. I reached out to Chase and they haven't helped me. My chase case # XXXX. I have requested for them to change the section, block and lot number and re submit to the XXXX County Clerk. Im selling my house and there is a lien on the title. This bank error is costing my money. SO far, Chase has done nothing to help me. I need to get this lien ( that I paid off years ago ) taken off my title so I can close on my house. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I was pressured into co-signing a very expensive auto loan with Ally Financial by a car salesman and general manager at XXXX XXXX XXXX XXXX  XXXX. I was Coerced by the salesman and told that my credit would be the only way the loan could be secured. At the time I did not have steady employment or income to afford the payments on the loan if the owner could not pay. Emotional tactics were used to coerce me into signing the loan. I was under duress when the loan was signed. I had even cried before signing the paperwork. I am now unable to pay the loan as stated in the beginning and I was unaware of the interest rate or total amount of the loan. At the time I was XXXX and since then my credit has been ruined and neither I or the other co-signer can afford this loan. The salesman knew I did not have steady employment. I was working XXXX and had already signed for my own car loan that day.

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 2020-10-23
Company: EQUIFAX, INC.
State: MD
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 had a unknown alleged collection placed on my credit report on XXXX.I already disputed this collection on my Equifax report and the account was deleted.This company did not give me 30 days to even respond to the alleged bill that was sent via mail.Which was dated for XX/XX/2020 and the collection was added on XXXX.I feel harassed because the collection was already removed and now had been placed back on my report.As stated under 15 U.S.C 1692e this company is being false and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2020 my wages were garnished due to an old capital one account. The credit bureaus ( all three ) are still reporting this debt incorrectly and they WILL NOT update it. I am extremely frustrated. My number is XXXX and my email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: SYNCHRONY FINANCIAL
State: NY
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 checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXX  inquiry on my credit report to determine who authorized the inquiry.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report 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 explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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. Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Tribal Lending Enterprise, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
It was done today and I got the money today in my account. They initially stated that the payoff would be {$650.00} with the interest which did not happen. The interest rate on a {$500.00} is 831.1006 % and my ending balance that will be paid is {$2000.00}. It was all done online and I had no idea that it was illegal to do an online payday loan until I did my research ( which I should have done ahead of time ). I was desperate in need of money but had no idea what I was getting into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, 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 AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY FTC REPORT TO EQUIFAX NUMEROUS TIMES I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) TO BLOCK THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Western-Shamrock Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I spoke with the store manager XXXX was rude and disrespectful did not want to listen to when I was going to be able to make a full payment just kept trying to over talk me when I called management her direct supervisor they did the same thing so it show there company values are bad very poor cusyomer service skills told them not to contact my phone and they continue to do so daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX  XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Sent a letter via mail to a TransUnion requesting a method of verification due to dispute for XXXX XXXX XXXX showing verified. However, I am 150 % sure that TransUnion did not properly investigate the collection as it was re-aged. This has caused great damage to my credit report. Also, I was advised that my inquiries were deleted. However, today was able to request an updated report and all the inquiries are still showing reported. I was told today by representative that they were removed and special handling department. Why isnt the results reflect in my credit report yet?

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 2020-11-24
Company: WELLS FARGO & COMPANY
State: TX
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 am requesting that this complaint be forwarded to the XXXX XXXX XXXX XXXX regulators. This is a second complaint after several other complaints prior we're not resolved after the respondent has made a clear admission of fraud buy placement of collateral protection insurance on a loan after Commission of the loan. He complained it is a business consumer and is requesting that this complaint which can be found as reference in the document attached to this request where the complaint originally filed can be found has referenced in the attachment. The complainant and respondent has attempted to resolve this matter between themselves and by use of a third-party mediator known as a company by the name of jams. The consent order in the original complaint and the the XX/XX/XXXXXXXX order is not the company got the court authorized the mediation between parties. The Invention has complained had caused irreparable harm upon the complainant whom is a totally and permanently XXXX veteran of the XXXX XXXX XXXX and business owner who has suffered collateral in economical damages, past and future and all matters subject in this complaint is warranted as authorized by the Dodd-Frank consumer protection act the code of federal regulations, and as recently decided in the case Seila Law Firm versus the Consumer Financial Protection Bureau decided by the Supreme Court of the United States honor about XXXX ofXX/XX/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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX  XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) 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 explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted the clerk of court because there's a bankruptcy on my credit report and I asked them if they reported this to the credit bureaus and they send me a letter that they did not. I tried disputing this information and so far XXXX  deleted this but XXXX and TransUnion are not deleting the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Automated Collection Services, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

Company response to consumer: Closed with explanation