BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: FL
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/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by 52 points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After reviewing my consumer credit report I discovered several fraudulent and inaccurate accounts.

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 2023-04-12
Company: United Shore Financial Services, LLC
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:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT UNITED WHSLE MORTGAGE XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased an used car at XXXX  XXXX and was approved for the loan through capital one with a 18 percent interest which is understandably high but when i first made my payments with this lender my interest seem to be applied correctly on my first loan and when i called to make the payment i heard the representative state to her co worker that the interest was applied incorrectly and she need to get my account to an account manager to fix that error since that day all my payments has been only applied to my interest instead of my principal in which i believe the statement she made was a deceptive statement. i called uncountable times to fix this issue and capital one can not give no explaination i called XX/XX/18 and was told basically a repeated verbatim script and i need corporate to throughly investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Accelerated Servicing Group LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
ASG XXXX ( XXXX ) XXXX said they will continue to call until I start paying on student loan. Except my loan is in forebearance

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit a {$600.00} check at my BOA branch 's ATM on Sat XX/XX/XXXX, XXXX.

BOA put a instant 'HOLD ' on it until XX/XX/XXXX, XXXX.

Talked to the issuing bank XXXX  and they informed me the check cleared on XX/XX/XXXX.

Called BOA last two days and escalated both times to an Supervisor.

BOA tells me the Risk Department refuses to lift the hold.

Big problem with BOA, keeping my funds from me after the check already cleared.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
I have Submitted disputes to you and I didn't get a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes, please 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 2018-02-27
Company: Navient Solutions, LLC.
State: TX
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:
In XX/XX/XXXX I started repaying my loans. I have always paid more than what I was required to pay monthly. Navient, my loan servicer wasn't handling my over-payments in a way that I felt best benefited me. So I called and got a run around. I was ultimately provided an advocate. 

The advocate failed to get the job done and did little more than hear my complaint. After about 6 months, I called again as my payments weren't going where I told them to go. The advocate got frustrated with me and then I was assigned a new advocate. At that time I created an automated email to go to the new advocate so that Navient would have a proper list of exactly the locations where I wanted my payments to go. 

Flash forward a few months, and I learn that Navient was disregarding the directive emails. I called livid and was assigned a new advocate and this time was promised that they would do what I asked. So now it is early XX/XX/XXXX and my payments are supposed to be retroactively reapplied. I asked for a comparison of before and after application that way I can verify their work. I was told they can do that. 

Flash forward a few 10 months, I am told by my advocate that Navient made the proper appropriations and magically my account history is no longer retrievable. I lodge formal complaints and get nowhere. After about 6 months of hem hawing with XXXX XXXX, my new advocate, I am able to retrieve my account history one time online. I look at the history, but nobody at Navient is able to provide me a ledger so that I can compare before and after the changes. Flash forward to late XX/XX/XXXX and I am provided a 147 page PDF of pictures of a ledger that isn't labeled and I am told that is the best Navient can do. Plus I still can't routinely access my account history. 

Couple all these problems and it makes for disenfranchisement. Add to that, the fact that Navient doesn't keep a ledger balance for any student published. They keep it for themselves, but if you want to know to the day what your balance is, you have to guess as even the advocates can't say for sure. I don't know if what I owe is accurate. Navient is no longer responding. I have asked to speak to management and at this point I am looking to speak with them or executive leadership. This isn't how business is supposed to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My request for mortgage modification is being processed with Shellpoint Mortgage. 
They have requested several times the schedule for my taxes reflecting the rental income and expenses associated with the rental property. I've emailed and faxed this information to them several times beginning XX/XX/XXXX until XX/XX/XXXX. Shellpoint was contracted XX/XX/XXXX to verify they received the information, Shellpoint customer service stated they received the email cover page but the IRS Transcript wasn't uploaded in their system were yet, and the document has not been received. I feel Shellpoint is giving me the runaround and is not processing the modification request. There is a pending property foreclosure sale set for my homeXX/XX/XXXX. I've provided them with all requested information and asked them to postpone the property foreclosure sale.. 


See Attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I put 2 money orders in my bank for a total of {$1600.00} via teller. They put a hold on the account saying that {$850.00} would be available the next day and the rest on Monday. That same night they put another hold on my account for the entire amount saying that the money wouldnt be available until XX/XX/31. I told the bank that I paid for the money order with my own funds and that nobody elses name was on it other than mine and that it shouldnt take 2 weeks to verify that. I told the bank that that money is to pay for my new apartment and that Id be homeless if I didnt have the money before XX/XX/31. The bank still is holding my money and now says the funds wont be available until 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 2023-04-25
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX has unjustly closed and permanently locked my XXXX XXXX account with no explanation other than fraud. I have never committed fraud and if I am a victim of fraud it is not right to punish me by closing my account without explanation. Also they told me I can open another account or they will permanently disable that one as well. Very wrong to treat customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: AZ
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:
OnXX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Southwest Mediation Service
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/20 - Received a phone call from number XXXX The woman, XXXX she said her name was, was extremely aggressive almost angry. She said I owed {$300.00} that was overdue and she needed it immediately. TODAY. She referenced her legal department and said I only had that call to make it right before she sent it to legal then onto my credit report. I asked if she was a debt collector and she said no. I asked if the company she was with, Southwest Mediation of Nevada was a debt collector. She said no. I asked who the original creditor was and she said it was XXXX XXXX XXXX XXXX XXXX  XXXX. She told me I had ordered magazines and did not pay for them. She threatened me, saying she had my voice recorded ordering these magazines and that they were going to sue me right away. My account number with them is XXXX. I was very shook up after the call, I was scared and reached out to our family lawyer. He suggested making a formal complaint here. He also suggested I call the original creditor. 

I called XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX They claimed to have sold this debt to Southwest Mediation and that they had sold me magazines and shipped them to XXXX XXXX XXXX in XXXX, Ohio. I have never been to Ohio, I have never lived in Ohio. This is a fraudulent account that they created with apparently my credit card number and voice verification. I checked all my cards and this company is nowhere to be found. I never paid them or initiated an account. I have never spoken to this company. They said there was nothing they could do because they sold the debt to Southwest Mediation and were out of the deal now and that I was on my own. I will also be making a separate claim here against them. 

This is fraud and they are unresponsive to my requests to provide information on the account. Both companies are rude, aggressive and intolerable. Something shady is going on here. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Company issued a CC without any valid form of payment ( online logins, instructions, or call-backs over promised ). On day of attainment, I got approved but was not instructed or contacted to actually activate payment method, or online login ( little did I know ). I asked the lady as I got approved, and she mentioned I would be contacted by them for further instructions ( XXXX branch )!!! I have always paid on time, and its the only ding I have on my credit. 

I used to have a 700+ and it's dropped significantly now ; my only intention on ATTAINING this card was to build credit! I have been up-to-date and will continue to do so, but this was after ME going into the store next to my apartment to ask for valid form of payment, furthermore the RECEIVING of my actual card. I am a XXXX yr old XXXX, and my credit is very important to my business in and out of the office. 

The lack of communication, execution, and customer service is the result of this claim, nothing less or more. I use my SAKS card once in a while, but always make sure it is paid off now that I know what to use as login/have attained card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XXXX there was mold all over the walls of my apartment at the XXXX apartment complex. i contacted maintenance on multiple occasions and left messages for the office but no response about the black mold. i emailed them on XX/XX/XXXX about me vacating the premises because i have XXXX and other underlying health conditions and it was affecting my health they came out and just tried to paint over it and they thought i would stay. they told me over the phone that i would not have to pay the debt and they even wrote a letter of recommendation to my current apartment complex where i live now so that i could move in with no problems. now XXXX i have a collection account on all three credit reports for {$2400.00} through XXXX XXXX automated collections. now XXXX will not answer or return my calls about the debts. XXXX XXXX removed this debt in XX/XX/XXXX after filing CFBP complaint. On XX/XX/XXXX Rent recovery solution llc appeared on my credit report for the same debt but amount owed {$300.00}. I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CCF Intermediate Holdings LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
Went in store Check into Cash XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX to Cash an check. Lady at store showed the check to her manager and the manager asked me what was the check for and from and amount on the check. She she told the lady to email the check to someone and call them. She called another lady on the phone and the lady said '' I'm looking at the check now is the customer there, yes, yes it looks suspect to me, have you called the bank, no, okay tell them you tried to verify and it couldn't be verified. " So I told the that's fine give me my check since you about to lie to me and I left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Three accounts total with original hospital XXXX XXXX which should have been included in financial assistance application. It's been erroneously closed out. Permission was never provided to share medical information which is a direct violation of HIPAA. Accounts should not be shared with current collector nor reported by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: DISCOVER BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 a portion of my federal tax return was deposited into my Discover online checking account. I stopped using the account a few months previous due to the bank delaying bill payments for up to a week costing me late fees. On XX/XX/2018 I used one of the bank designated ATMs ( XXXX ) and was denied withdrawal and when I called to see why, I was given an explanation of suspicious activity because I used an ATM outside the city I live in ( same state ) but I have used this ATM on other occasions. Once I verified who I was, I was told everything should be fine but, it wasn't and I was still denied access to my account I tried making a purchase at the grocery store with cash back and was denied still. I called again and the representative told me there was a security freeze on my account and gave me temporary access for 15 minutes and said the freeze would be released in 24 hours. The explanations didn't make any sense at all to me so I tested the card the next day on the XXXX while on my work assignment in my own city of residence again the ATM transaction was denied and I was told that this bank designated ATM inside XXXX grocery store was a high security risk and a code needed to be entered in the system for that particular ATM. I explained that I have to travel back and forth sometimes for my job and I needed access to my account especially when on the highway. However, I did tell the rep that I would be contacting the FDIC about this.There were no pending transactions, no negative balance, and no report of a lost or stolen debit/ATM card before the federal tax return was deposited, I stopped my direct deposit from my job to this account a few months ago because of delayed transactions especially transfers. So I still don't have a valid reason for a security freeze and denied ATM transactions. The first of XXXX is in one day, and I do not want any more of these senseless issues when I have to pay my bills. Since when was an explanation required to access your own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally Financial Account # XXXX. All payments were made on time each and every month. 

Cashiers check in the amount of {$10000.00} was sent to Ally to pay off the car loan. It was mailed on XX/XX/XXXX. The payoff amount was good until XX/XX/XXXX. When I spoke to XXXX from Ally Bank on Friday ( XX/XX/XXXX ), he said the check was received within the payoff window and we do not owe anything additional. But he could not/would not tell me the date they received my check. XXXX XXXX said the check cleared on XX/XX/XXXX. 

The car was in the police impound lot and Ally Bank recovered it on XX/XX/XXXX before I had the opportunity. 

Phone calls have been made by Attorney XXXX XXXX to Ally to resolve this matter since at least XX/XX/XXXX. Attorney XXXX has called at least 10 times, and has been hung up on at least 3 times. Ally is asserting a balance due. Ally stated the balance due is for charges related to the repossession. 

The urgent concern is that I paid off the vehicle, and it was repossessed AFTER I paid the note in full. Therefore, if I do not receive all monies paid on the note plus attorney fees OR the vehicle with clear title plus attorney fees, I will be filing a lawsuit.

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 2023-04-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are 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 non-monetary relief