BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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:
There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both XXXX and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2017 someone walked into a XXXX XXXX, XXXX branch of XXXX XXXX and transferred money from my bank account, in the amount of {$1500.00}, using Western Union to someone named XXXX XXXX in XXXX. I was in XXXX  on XXXX vacation at the time and found out about this upon returning to XXXX XXXX where I reside. When I found this out, I called my bank who told me I had to go to my local branch in XXXX XXXX, XXXX to file a dispute. I went to the bank and was told that I had to file a dispute directly with Western Union to get my money back. I filed a case with Western Union 's Fraud department. The case is # XXXX. I reached out to Western Union who then told me to get a refund I needed to file a police report with the XXXX XXXX Police Department. So I filed a police report and sent it with the case number to Western Union at XXXX. I have called them every day for over 30 days expecting some sort of answer. I called them tonight and now they are saying that despite my calling them they are not able to refund my money which was fraudulently taken out of my bank account and money I desperately need. Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: GVA Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Yes I do believe this is with the same company XXXX XXXX, I spoke with several representatives from the company explaining that I am unemployed, no income and that I am unable to pay any monies. I am sick, this is stressing me out and this company has repeatedly been harrassing me calling my cell all times of morning, evenings, and even at nights when I have asked them not to, calling me from various numbers and with different persons name, now I get home and received a threatening email from this person : XXXXXXXXXXXX, XXXX XXXX with Cash Advance, threatening to sue and serve me a supeona and even threaten to call my job, what job, I told them I am not working, I need something done about this, telling me I will be serve at my door. Attached is the email that I received, I can not afford any attorney or do anything else at this time, I have no money. Is there anything that you can assist me with in contacting this person, this is brutal harassment, I realized that there is a bill I owe, but things happen beyond your control, and there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Lake City Credit
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lake City / XXXX are continuing to attempt to collect a debt that is not owed by me. The debt is erroneous and fraud. They have claimed to validated these alleged debt. They have skipped traced and received my current address. However the address listed on the debt was never my address ... the fraudulent bank account documents they also included are also unknown. In addition, the credit bureaus and LAKE CITY/ XXXX  have been provided with the police and affidavit that was required. I do not owe and have never owed said companies listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: WI
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:
A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Experian as of this date, XXXX-17.

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 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank of America checking account, held jointly with my deceased husband, is frozen. I called and sent a letter ( on XX/XX/XXXX, submitted as a PDF ), but my account remains frozen without justification or explanation.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: VA
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 spoke to XXXX  XXXX when the matter first occurred and I was sent a letter to send to the bureaus. I am still waiting for the info to update with the bureaus.

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 2021-01-26
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I currently owe XXXX XXXX approximately {$1500.00} and Aargon Agency is listed on my credit report as the debt collector. I have called Aargon Agency to pay the debt but they claim that they can not take my money to satisfy the debt because they say it was discharged in a bankruptcy. However, I have never filed bankruptcy. I simply want to pay this debt and they won't let me, which is very odd.

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 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020, I went on Forebearance for 12 months with Bank of America. At the time I was told of the different options I had once my forebearance ended. I knew then I wanted to do the Payment Deferral. I was told a month before my forebearance ended I would receive a packet of options which I never received. In XXXX I began calling BofA asking about the Payment Deferral Option. I was told several times that paperwork would be sent in. Again, I would inquire about the paperwork and nothing. Then I was told that they couldn't send in paperwork until after my forebearance ended. Again, XXXX of XXXX I made calls and got no where. Now it's XX/XX/XXXX, I have a negative balance. My last conversation with BofA was that my only option is Modification and since I never received anything saying that I was approved for Payment Deferral that it was probably denied. I asked Denied why? They said it was not a guarantee and it was up to the investors. Talked to Fannie Mae and they said they never received any paperwork and it was up to BofA, so somebody is lying. I don't want a loan modification. I have 11 yrs left and I'm 60. This whole thing is stressful.

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 2020-12-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent documents to Experian ( Tracking ID : XXXX ) and XXXX  ( Tracking ID : XXXX ) about a debt from XXXX XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to XXXX ( Tracking ID : XXXX ) but no response either

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 2020-08-30
Company: New Era Asset Management, LLC
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:
On XX/XX/2019 XXXX-XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA. NEW ERA ASSETS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$5400.00} DPT ED/XXXX XXXX {$1300.00} DPT ED/XXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT ED/XXXX XXXX {$800.00} DPT ED/XXXX XXXX XXXX XXXXDPT ED/XXXX   XXXX {$2300.00} DPT ED/XXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have struggled to make my student loan payments for many years because I have not had a job that paid enough to make a student loan payment. I have talked to them about lowering the payments but every time they just defer it and that just added additional interest. For the past year I have made monthly payments, but over the year, nothing has been applied to principal, only interest and more interest has been added so that my original {$25000.00} now equals {$38000.00} with interest continuing to multiply. At the rate Navient is applying my payments this loan will never be paid off. They have been wanting over {$500.00} a month which is impossible to meet. I need some kind of help in getting my payments applied to principal instead of everything to interest and nothing to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2020-12-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, COMENITYCB/XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent documents to XXXX  XXXX XXXX ID : XXXX ) and Transunion ( Tracking ID : XXXX ) about a debt from XXXX XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to XXXX ( Tracking ID : XXXX ) but no response either

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 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified. 
The following account have not been validated 1.XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX  charge off

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 2021-01-26
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is a medical claim for which it was paid by my health insurance. There is one for XXXX $ and one for {$850.00}. I gave company ins.company name and this account was handled by insurance. Therefore this account does not belong to me anymore and I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I deal with Jpmorgan chase with my mortgage company. I am currently and have been in a chapter XXXX bankruptcy for 3 yrs and have some mortgage payments in the bankruptcy. My credit score is finally where I can refinance my house and pay my bancruptcy off. I have been trying to refinance my house for 2 years with a different conpany and no matter how much i do right with chase they have my account say something different. I just recently had a confrence call with a woman to verify my account was on current and when the next payment was due the last step I needed to refinance my house. And chase told her I am 3 months behind and my monthly payment is {$200.00} more a month then what I pay. And that i have sum random money just sitting in my unapplied funds account??? I havent known whats gone on with my account for yrs and i can see in my records that i am paying for things in my bankruptcy twice. Chase refuses to give me any statements, or payment history as they claim that my attorney is the only one who can have access unless he says other wise. However, per my bancruptcy court documents it states my monthly payment amount and that I am to be receiving my statements my history of payments anything I request as if I am a regular customer. But everyone I ask I am refused. So now in order to refinance my house I need to get my payment history to present to the loan company who has pre approved me for a loan that my payments are current and everything is good, and hope that that will work. I am now almost out of my window of being able to refinance because my only income is XXXX and child support and my children are getting older and I am going to start getting turned down because there child support will stop soon. Chase has managed to cause so much stress in my life over this, I 'm trying to help fix my situation but chase ... they are making it worse. I would also like to know why I paid my escrow shortage thru my monthly mortgage payments and have came current on that but the escrow money is also being collected thru my bankruptcy.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BMW Financial Services NA, LLC
State: NC
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:
XXXX BMW Financial Services/XXXX , Ohio- I filed a dispute based on my car loan being reported as 30 days late numerous times after I had obtained an extension on my loan. My vehicle was paid off in XX/XX/XXXX. 
XXXX BMW Financial services retaliated against me by reporting me again to XX/XX/XXXXCredit bureau based on my dispute. 
XXXX I called BMW Financial services, to ask them why they reported me again as delinquent, when my car was paid off in XXXX. They stated that since they had to correct the information on my report, they did another review. On further review this was not correct, so they had to report me again. I understand that during these difficult times customers are unable to pay their car loans, but I find it very egregious of BMW to do this, what would be the point of this kind of behavior towards a customer that had paid her car loan completely. To date, BMW has not agreed to correct this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: IL
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 sent a dispute for fraudelent accounts. Please delete them. It has been way over 50 days now.

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 2021-05-21
Company: EQUIFAX, INC.
State: IL
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 sent a dispute for fraudelent accounts. Please delete them. It has been way over 50 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citi cards charged me interest on my credit card even though I paid my balance in full before the new statement cut. I owed XXXX on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX and they posted my XXXX on XX/XX/XXXX. They charged me interest on entire balance of my XXXX statement even tho I paid this amount already before my XXXX statement period began on XX/XX/XXXX. I was charge XXXX on XX/XX/XXXX even tho I paid my balance in full on XX/XX/XXXX. When I called XX/XX/XXXX I was told they charged me this based on a residual finance charge. This is illegal and immoral as I paid the fully owe balance so how can they charge me interest on something I paid already. They refunded my fee but this practice is illegal and needs to be stopped.

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 2020-05-20
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation