BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I depoited cash in my account the the available balance reflected my deposits. Charges were then declined for insufficient funds but the bank has holds on the money for charges that were declined? I dont understand how that is legal. I have contacted bank of America several times and they said there was nothing yhey can do about it. 5 days later and they still have a hold on my money for declined charges that should have never been declined now i have hotel reservstions and no plane ticket to get there.

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 2020-07-16
Company: Experian Information Solutions Inc.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2021-01-29
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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: Account status incorrect

Complaint:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX XXXXXXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( 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 2020-05-23
Company: The Receivable Management Services LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was made aware, that once again, XXXX XXXX company has placed a bill in my name in collections for {$300.00}. This time it is with the Receivable Management Company. 
This is not my first experience with XXXX. In the past, they placed bills with agencies, I'd fight and dispute, win, then after awhile they just place it with someone else. It's already been determined that I do not owe them, as I won previous complaints because they keep trying to bill for services that hadn't yet been rendered.

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 2023-04-02
Company: NRA Group, LLC
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 have a payment schedule setup to auto-draft from my account and have made the agreed payments. now this debt is showing back up on all 3 reports as delinquent and it has cost me XXXX points. I have provided proof of the last 2 payments, which reflect that the reporting information is NOT at all accurate and is hurting me badly as i entered into the agreement in good faith.

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 2021-11-04
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
I originally sent a dispute out to all 3 bureaus ( XXXX, XXXX, and XXXX ) to have Kia Motor Finance and XXXX accounts removed from my credit report do to false and misleading information on my report/file. XXXX is reporting that I owe {$18000.00} and Kia Motor Finance is reporting that I owe {$11000.00}. XXXX immediately deleted all the following accounts from my report because they knew they didn't have my consent to actually report these fraudulent accounts on my report/file. XXXX & XXXX haven't budged one bit one removing these accounts from my report even though I filed and FTC report as well. I was on the CFPB website and I read something stating " Credit reporting companies must forward your dispute, including all relevant information, to the furnisher ( the company that originally gave the information to the credit reporting companies ). if the furnisher corrects your information because of your dispute, it must correct that information with every credit reporting company with whom it has a relationship ). These accounts do not belong to me and also there was NO consent given to report anything on my credit profile.

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Disputes where submitted XXXX, XXXX for item to be removed and they where not removed and no correspond

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 2023-06-24
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/ I purchased a vanilla Visa gift card for {$4.00} I then put {$500.00} on the card. There was still {$72.00} left on the card when vanilla shut off the card on XX/XX/XXXX Once the card has been shut off there was no way to get to customer service on the phone or online. I have made contact with them through the cfpb. communicated with XXXX XXXX. send it send me a check on the XXXX of XXXX never happened. Now no one answers that line of communication. Thank you for listening. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
*We spent all we had on tuition {$25000.00} and I took out a Student Loan of {$16000.00}. 

*After 3 years of training, the Dean of Students suspended me going into my final year. No institution, no school no one can collect tens of thousands of dollars over 3 yearsand refuse to deliver and keep all the money. It goes against Student Rights and what the law refers to as The Right to Graduate.

*The Dean of Students tried to cover this up with falsified documents and withholding information. 

*The reasons the Dean gave in the Suspension Letter were not even true. 

*Then the school did the impossible and stopped doing what schools do. The school ignored my grades and GPA, ignored my internship and training, ignored my classes and all my school work, tests and papers. How can a school ignore my education? 

*The school not only refused to give me credit for my work, it also refused to do its own work. After collecting tuition, it stopped doing the very work I was paying the school it to do. The seminary ignored its own classes, ignored its professors work in giving me a grade, and then refused to record my grades or give me credit for the classes I completed. 

The Michigan Department of Education did nothing. They supposedly held an investigation and yet in six months, the only thing they asked to see was our canceled checks, to which we showed them over {$25000.00} worth drawn from our checking account all gone.. The Department of Education here in Michigan never asked to see a single document. They claimed they couldnt do anything because the school was a seminary. It is ludicrous to make this a church & state issue when its a fraud issue. {$25000.00} was our entire savings. No school, no seminary no one can charge this kind of money and then simply refuse to do the work. 

We have no money and I have no career to pay it back with and my name and credit are worthless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people's money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX removed 5 accounts ( on XX/XX/2020 ) that were closed from my Equifax credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted Equifax and they stated that XXXX requested to have them removed. I then contacted XXXX and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Dynamic Recovery Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to XXXX XXXX for XXXX in XXXX, Arkansas emergency room. I have XXXX XXXX XXXX XXXX. I have no deductible or co pay yet they did not apply my insurance thought I handed it directly to staff. It was implanted into the system. Now, I have a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
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: Account status incorrect

Complaint:
Debt was paid to XXXX XXXX XXXX  and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/2019, I sent TransUnion several address disputes. There are a total of 15 incorrect addresses on my consumer report. I asked Transunion to look into these addresses and remove them from my report. On XX/XX/2019, TransUnion sent several consumer reports back to me, with the exact same information on them, and no updates or information about any review being completed. On XX/XX/2019, they also sent a separate letter saying my correspondence was " illegible '' and they could not process anything from any of my prior letters on 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 non-monetary relief
Consumer complaint received 2020-09-06
Company: AES/PHEAA
State: OH
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 given incorrect information regarding my loan forgiveness and was told that I could receive XXXX  loan forgiveness on my FFEL loans while pursuing public service loan forgiveness on my Direct loans. The loan servicers, fedloan and AES, have BOTH contacted me via email saying that I could pursue both programs concurrently, but I had a 3+ hour phone conversation with three different lenders who told me that I could NOT pursue both concurrently. My initial request was denied because the servicer could not read section 5 of my application, and I left it alone/requested cancellation once I found out that I would mess up my PSLF progress. I received an email on XX/XX/2020 stating that my FFEL loan was in forbearance for review of the TLF application which I did not submit. I was told there was no application in process and I requested that the company stop processing any application. I have yet to receive ANY correspondence on the matter that is relevant besides the irrelevant email answer I received with incorrect information. I am disgusted at the lack of correct guidance that these companies gave me and lack of accountability. When I initially brought up the incorrect email info with fedloan, they simply said " oh, we can send you an email with the correct info ''. No apology, no offer to correct or clarify the process for the future. These companies are out to XXXX over the typical, responsible consumer, and I am appalled at the care I have received. I work very hard in a low paying XXXX  job in a poor area so I can receive some respite for my astronomical amount of loan that I was conned into as a young, naive teenager. The least I could request is that someone actually CARE and be helpful when I ask seemingly simple questions. I wish I could pick another servicer and was not stuck with these robotic, uncaring companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking to buy a car and went to XXXX website. I found a car I liked and talk over the phone to " XXXX ''. I applied to be pre-approved over the phone around XXXX, she texted me at XXXX that I was pre-approved and to call her back. First, I called many times and was never able to reach her so the next day, I went to another dealership with a similar car, applied for financing and they told me that my credit was bad and that I had NINE hard inquiries on my credit report the previous day. 

Under no-circumstance I authorized XXXX to run 9 requests on my credit report, I was expecting to have one hard pull but not 9 which is extremely damaging to ym credit. Also I do not understand why someone texts me to call but doesn't pick-up the phone ...

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 2020-09-25
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX I was supposed to be on deferment plan but ended up with forbearance plane.

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 2022-12-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit 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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay 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 2019-03-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On Today, XX/XX/, 2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card today. I was denied access to credit with the reason " not approved at this time because : you have recently been past due '' I found this odd, I don't believe I have been late on a payment so I pulled my XXXX  credit report to verify. I looked through all 26 pages and not one late payment reported. I would like to know who is approved and ensure there is no discrimination because the reason I was denied is inerrant so there is a different factor weighing into the decision.

Company response to consumer: Closed with explanation