BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
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: Account information incorrect

Complaint:
Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to Experian and XXXX for this account be removed based on the creditors lack of verification. XXXX has removed it from my report.

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 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2021, there was a withdrawal from our account at a branch for XXXX XXXX This was not my wife or I, so obviously we were very concerned. I submitted a fraud complaint to the bank, Capital one, the day I found out, which I think was around the XXXX of XXXX. 

New accounts were set up, and we were told to wait for a refund after and investigation. 

Last Wednesday, XX/XX/XXXX, I called to check on the status, and gave additional information. 

Since then I haven't been contacted by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: American Credit Acceptance, LLC
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:
This company illegally procured me a motor vehicle financing loan without a license. They did this for the entire loan they also contracted with a towing company who's business was tax forfeitures and did not have a non consent towing license

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CORELOGIC INC
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I HAVE SEVERAL UNRECOGNIZED ACCOUNTS SHOWING ON MY CREDIT REPORT. I AM DISPUTING THE FOLLOWING ACCOUNTS XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE REQUESTED DOCUMENTATION A FEW TIMES IN XX/XX/XXXX AND XX/XX/XXXX. I NEVER GET ANY CLEAR ANSWERS OR PAPERWORK. THESE ACCOUNTS ARE FRAUDULENT. I DISPUTE THEM UNDER FCRA 623, 611, AND 605B.

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 2020-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations shown public records not mine

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 2019-06-25
Company: Navient Solutions, LLC.
State: FL
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:
I was trying to consolidate my student loans into a single loan. However, due to an issue with the paperwork from my school to the XXXX XXXX XXXX, only my XXXX XXXX loan showed me as graduated while my other 8 XXXX unsubsidized loans took an additional 2-3 weeks to show me as graduated. In the interim, I had applied for consolidation through the department of education website. Shortly after, I received a notice from Navient stating that 8 of my loans could not be consolidated due to the " in school '' status. However, instead of stopping there, Navient " consolidated '' my XXXX XXXX loan by itself, which did not actually combine any loans together but did raise the interest rate on this loan by 0.025 %. When I called them, they said that the notice sent to me states that I could have chosen to not consolidate the single loan and that since I did not opt-out within a few days of receiving the notice, they would not undo my loan/return the interest rate to its original amount for when I eventually consolidate all of my loans together. However, their notice is not as clear about this as they claim. When they said I have the options to remove loans from my consolidation, I think it is natural to assume they meant I could remove the loans that were unable to be consolidated due to " in school '' status. Also, I think it is predatory to " consolidate '' a single loan ( which simply raises the interest rate ), and that I would have to opt-out rather than opt-in to this action that only worsens my interest rate without any benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Today after reading the artical I notice multiple accounts and inquiries on my consumer report that was incorrect. I have spoken with Equifax supervisors and was unable to reach a resolve. 

Under 15 usc 1681 a # XXXX Equifax assumed this role without my permission, and did not have my consent. 

Under 15 usc 1682 a # XXXX. Equifax didnt exercise your grave responsibility to my privacy either by utilizing the wrong information. Equifax was unfair and partial. You did not respect my right to privacy. 

Equifax never had permissible purpose under 1681 # XXXX and I never instructed Equifax to create this report. I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Medical Hardship : I suffered complete XXXX  XXXX  and was placed on XXXX XXXX  XXXX at the same time my partner lost his job due to Covid. I contacted the bank regarding this hardship and informed them of change in income and uncertainty of claim processing dates. As result of the change in income my account was over drafted and subsequently closed.

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 2017-11-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX XXXX, I purchased a {$1200.00} vacuum from XXXX XXXX in XXXX. XXXX XXXX XXXXXXXX, Home Design Division financed it with a 24 -month zero interest promotion and gave me a monthly payment of {$25.00} which I assumed was the correct amount needed for pay off. However, the monthly payment to get zero interest promotion was {$49.00}. which, of course, we could have paid. 

I 'm a senior and I do all banking and payments online, so I was never late. Synchrony failed to inform me by email that the promotion was expiring, as PayPal does. Suddenly in XXXX XXXX, {$790.00} in interest was added to my balance. So, for a {$1200.00} item I now owe {$1100.00}! The interest abuse comes in two forms. Usually, when a promotion ends, you start paying interest at that time on the next statement. They added two years of back interest onto my bill. Secondly, the interest rate is 29 %, so my now $ XXXX  monthly payment has {$30.00} in interest charged. The statements on their website can only be viewed. No link to download them. 

Once I realized this had happened, I contacted XXXX XXXX three times speaking not only to customer overseas service reps but also to U.S. based managers. No one would help me. I called XXXX at XXXX XXXX who was appalled. She gave me her merchant telephone number, but it was the same one I had. I tried to file a " concern '' at the bank website, but the concern field always was always " invalid. '' There is no number for a corporate customer relations representative at Synchrony headquarters in Utah. I hope you can help me. I dont know where else to turn.

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 2019-06-25
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company sent me a live check for a loan which was a huge mistake for me to deposit but I was desperate & without work at the time. After the check processed I tried to set up an account online but was unable to & had no correspondence from this company or even a notification of when my due date would be even though the agreement said they would contact me to let me know of my due date & payment due. I did not hear from them until today, I missed a call from them. When I returned the call I spoke to XXXX & she told me my first payment was a day late. I told her I would have the payment & the late fee in a week. She became irate & demanded to know why I could not make payment today & persistently badgered me about how I needed to find a way to make a payment today. She then told me that if I did not bring payment today they would come to my workplace tomorrow & try to collect payment there & if I did not have it then they would have me arrested. They are predatory, berated me & harassed/threatened me. I will continue making payments as soon as next week & the loan will be paid off in full in XXXX but after that I will be contacting a lawyer about their treatment of customers.

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 2017-11-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XXXX XXXX,2017 I called into Equifax to dispute a collection that I have disputed multiple times because the account has not been verified as mines. I spoke to representative XXXX and let her know I tried to file a dispute online but its saying the information I provided was inaccurate. She then stated to me because I have dispute the account multiple times there is nothing she can do. I told her I have proof that XXXX and XXXX has deleted the collection account and she stated it didnt matter. I let her know I just wanted them to follow suit and at least look into my proof and ultimately get the collection account deleted. She stated she couldnt do. Equifax customer service is horrible and I would that because they are going through a lawsuit that they could at least look into what Im asking but I dont think they care. If Equifax does not follow suit and remove the collection account I will go to the next step of filing a complaint with the BBB or ultimately file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I'm XXXX yr old rXXXX XXXX  and my husband is XXXX yrs old, retired and depend on his social security pension.We both have a credit card together with bank of America since XXXX.Then last XX/XX/22 he had a call from Bank of America saying that our credit was cancelled and he went on line and saw that our credit card was not cancelled instead was charged with {$9800.00} to an XXXX  XXXX CA and another charge of same outfit same hour, same day of $ XXXX.So my husband called Bank of America but not able to get hold of them immediately so same hour we went to Bank of America branch in XXXX XXXX TX to ask for their advice. All they could help us was, using their phone was to dial Bank of America fraud division and waited for someone to answer and after 27 minutes we talked to someone and told them the fraud charges done to our credit card and told us that it is not my husband nor I, we do not waste this large sum of money for an XXXX XXXX.It 's a fraud charge and told that person its not us and to please not to pay cause it is not us.The person whom we spoke with said they will investigate the charges.I was praying and waiting for the investigation and hoping the charge will go, but came XXXX XXXX I received a letter that $ XXXX was charged and so I called back the Bank of America fraud division to tell them that why they pay them and got charged with {$16000.00} + amount.They did not listen to our voices my husband and I that it is a fraud charge and it made me so angry and frustrated they send us another credit card but I freeze my credit card and also freeze 3 major Credit reporting XXXX XXXX XXXX and XXXX.Last time I spoke to Bank of America fraud unit, that they re-opened the investigation. I told them why they did not send an alert on my phone cause I am the primary card holder, where in before they send text message in my phone when I gas up in my car in a different gas station, I did not receive any alert messages on this $ XXXX charge, what is going with Bank of America.We had a police report and faxed it to Bank of America fraud division.PleasXXXX it is much appreciated that you all heard my bad situation we are in.I can not retire with this large amount of debt burden.Please help us.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 monetary relief
Consumer complaint received 2017-11-07
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested a modification on my 1st and 2nd mortgage which are interest only loan. I received 1st and 2nd modification agreement from Caliber Home Loans that limited-term loan modification that are not good terms for a modification and they are only good fro 1 yr where the payments will reflect a estimated payment based on the terms of an adjusted rate loan which will be higher which will give me a new monthly principal and interest payment, This is not a good modification agreement and it will put me in a worse position then I am already in,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Jonathan C. Frank & Associates, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, 2017, I received a phone call from a XXXX XXXX, claiming to be from Jonathan C Frank and Associates. He claimed that he had two charges in his office that they were going to file reference to a bad check and check deception. He did not say where they were going to file this. He goes on further that I owed XXXX on a loan I received from a company called XXXX. I asked for his address, which he gave as XXXX XXXX XXXX, XXXX Texas. I then asked him to send me validation of the debt before I will speak with him about any debt that I owe and to stop calling me. He then started to yell, stating that he wo n't argue with me, he doesnt have to send me anything, and he will file criminal charges against me and someone will be at my house to arrest me. I was called from XXXX. I XXXX that number and learned that this is an attempted scam to defraud people and steal their identity. 

I looked up Jonathan C Frank on the Texas Bar Association website and saw that he is a licensed attorney. I attempted to contact his phone number listed of XXXX. I did not get an answer. He is not listed as a debt collector either on his bar information or via the Secretary of State in Texas. 

He does have a website of http : //www.jonathancfrank.com/, however, a whois search revealed that this is registered to an unknown person in Utah. XXXX searches also revealed that this may be a fake site using XXXX XXXX 's information.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have written Transunion on XXXX occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per 15 U.S. Code 1681b. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.

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 2019-10-09
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2019 I was referred by XXXX XXXX Court House to contact G.C. Services to pay a ticket/violation ( ticket # XXXX ) that was outstanding to renew and release my California Drivers License. I contacted G.C Services same day XX/XX/2019 provided them the XXXX XXXX Court House information and the ticket number. I also pointed out to G.C. Services that the payment process and turn time was essential for my new employment ( identification, fingerprinting, I-9, etc. ) at that point the Agent brought in a Manger who indicated they would definitely process and notify DMV within 3-business days. 

To date XX/XX/2019 G.C. Services has not notified XXXX XXXX Court House that I have paid the ticket and therefore DMV has not been notified to release my drivers license. The employer I was to began work on XX/XX/2019 pending the completion of my identification, fingerprint, and I-9, has given me a deadline to provide this information. 

I have called G.C. Services over 15 times in the past 2-weeks and they have failed to respond or provide the XXXX XXXX Court with the documentation required by DMV. 

On XX/XX/2019 I called G.C. Services to file a complaint with their management. At that time G.C. Services Agent indicated that they made a mistake and applied my payment of {$260.00} to the wrong account. The Agent also told me I must wait until sr. management review my account. This is unacceptable! this has caused and impacted my employment and creating significant financial hardship. 

I have attached the document ( s ) provided to me by XXXX XXXX Court House to provide to G.C. Services that identifies the XXXX XXXX court and the Ticket # of the citation for me to pay. This information I provided to G.C. Services verbatim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRUIST FINANCIAL CORPORATION
State: MA
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:
On XX/XX/XXXX I got a alert on my XXXX XXXX  account stating that I lost points due to a hard inquiry by a company I never heard of called ligthstream. I have sent an email to their customer service explaining that I did not authorize any hard inquiries and that I never even heard of this company.

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX  XXXX  ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/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