BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was recently unemployed so I began a forbearance on XX/XX/2018. Since it was approved on XX/XX/2018, the company has been charging me more interest than I should be getting charged. Instead of the interest generating correctly among the four different loans, they are distributing the loan interest to the highest loans with the largest amounts. Before the forbearance, it did not show a {$0.00} dollar amount for XXXX loans and a large amount of interest for the other XXXX. But that's what I have been seeing since I went on forbearance. I am being charged a ridiculous amount of interest that is compounding at an astounding rate. This is much higher than if I was paying the normal amount per month. They do this on purpose to make it capitalize towards the entire loan amount. These guys are XXXX and shouldn't be able to get away with this. If I could afford a high-priced lawyer I would. I have visual evidence as well in the form of screenshots. Let me know what I need to do next. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is steered me to higher-cost repayment plans several times without notifying me ... I have been paying alot and hardly made a dent ... something is not right ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding a dispute on my Capital One card for {$250.00} on XX/XX/XXXX with merchant " XXXX ''. For this transaction, a washing machine was bought online from XXXX. After purchasing the item, a delivery date was scheduled. During the delivery, the item was no longer wanted. The reason was because the washing machine was found to be defective and did not turn on. The delivery company agreed to take the item back to the original location and issue a full refund for this defective/no longer wanted item. No refund was received from merchant so a dispute was filed with Capital One. On XX/XX/XXXX, the full amount {$250.00} was re-billed to my credit card. I do not understand why seeing as how I do NOT have the item. Furthermore, the item was defective upon receipt. Those factors combined, I expect a full refund for my {$250.00}, no more no less.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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:
The experian company continues to report this inaccurate account in my credit file. I have done everything under the law to prove this account was open in a fraudulent matter with no response from the creditors and the experian company. I've taken the extra step to attach my FTC and Police report in another attempt to clear my name.

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 2019-05-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, One Main, has continually sent me a bill for {$12000.00} more or less which I do not owe. I have never heard of One Main. My neighbor also gets a bill from this same company which she does not owe. I suspect they saturate a city with bills and even if one person get afraid and pays, its worth their effort. 

The alleged account number with them is : XXXX in the amount of {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The items on my credit report are unverified and I have no knowledge of these 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 non-monetary relief
Consumer complaint received 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT CAPITAL ONE AND THEIR COLLECTION AGENCY XXXX XXXX XXXX HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT CAPITAL ONE ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT CAPITAL ONE ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: GA
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:
There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in XX/XX/2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and Equifax, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Last year I was offered a job on XXXX XXXX I did my research and found the company to be legit. I also had paperwork correspondance as to what my job would be. I was to recieve a check and send the money I questioned it and was give a reason that was online with truth about delays, however I was still concerned. I deposited the check but did not withdraw any funds as I was still unsure. When the check came back it was fraudlent. after being a long time customer my account was closed with no regards to me relationship.

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 2020-07-01
Company: Experian Information Solutions 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately

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 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my TransUnion report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union is converting police reports to a XXXX  numeric code which sent to the debt collectors who are not getting the police reports and instead are getting numeric codes and marking identity theft and accounts closed due to fraud as verified. This is a crime. I requested for Trans Union to NOT use the XXXX system and send the physical documentation to the debt collectors which they are required under federal laws under the provisions under 609 from the FCRA. They have failed to do so. 

Detective XXXX XXXX XXXX XXXX XXXX Police have completed all necessary investigations into the matter and has marked the police reports as final. And that no further police reports are needed from their department. 

Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : 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 2017-11-20
Company: EQUIFAX, 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:
I have made contact with Equifax, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. 
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX,  USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the Equifax, XXXX and XXXX credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, Equifax, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT XXXX XXXX AND THEIR COLLECTION AGENCY SUTTELL & HAMMER HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT XXXX XXXX ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( SUTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT XXXX XXXX ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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:
Hello, I would like to ask you to check these accounts. Because dates and information are incorrect. I sent already couple of letters but I am ignored completely. I contacted directly these companies and asked them to change and delete the accounts. I contacted Bureaus and asked them to stop poor reporting. Everywhere I am ignored. Please check these account sand delete wrong information.

These are those accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Thank you! I hope this time it will work out.

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 2019-05-22
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I contacted PayPal regarding them freezing mu funds on my business account due them saying my personal account was overdrawn. They are refusing to release my funds and If this doesn't get resolved I will be forced to sue PayPal due to this unlawful action. I spoke with supervisor XXXX employee # XXXX and manager XXXX # XXXX who was very rude and offered no assistance. If you could please help me resolve this matter I would appreciate. PayPal should be heavily fined when violating consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Account status incorrect

Complaint:
TransUnion is reporting on my mortgage with XXXX Mortgage an inaccurate and unauthorized comment/remark that states : " Affected by Natural Disaster. ''

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 2018-08-03
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted numerous times over the last 2 years by Diversified Consultants. I sent multiple letters and verbally asked them not to contact me anymore unless they mailed me a breakdown of the detailed charges. Kept getting phone calls, in XX/XX/2018 I sent a certified letter asking not to contact me/3rd parties, etc. and again requested details of charges. The only thing I received is a letter with XXXX XXXX XXXX letterhead my name and an address.I again started receiving calls XX/XX/XXXX/XX/XX/2018 requesting I make payments. I had to state again about certified letter asking not to call or I will take necessary steps to end contact. Some creditors have removed charges, but they keep reporting them back to other creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I had money in my savings account to pay my rent. It was taken and put into my over-drawn checking account without my permission. I spoke with a supervisor XXXX XXXX who was very condescending and kept saying " Why do you have to be reminded to put money in your account '' kept saying it over and over again. I told her I am not a child and she ca n't talk to me like that. I did not authorize money to be taken from my savings and put into my checking account. I told her to let me talk to someone else and she transferred me to a voice mail for XXXX XXXX. My account is overdrawn mostly by fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Capital One XXXX XXXX account in XX/XX/XXXX because there was an offer ( code XXXX ) saying if I transfer {$50000.00} from other financial services company by XX/XX/XXXX, I can get {$500.00} bonus. After opening, I transferred $ XXXX from other banks to this account by XX/XX/XXXX. The terms said I will get the bonus within 60 days, but till today, the bonus is still not posted. 

I contacted Capital One, and the agent told me I had a savings account with them and I did not transfer the money within 10 days of opening. I went back and looked at the terms more closely, and did not see the requirement of " within 10 days '' at all. All I see was open the account between XX/XX/XXXX and XX/XX/XXXX, and deposit by XX/XX/XXXX, which I did. The agent also said I had a savings account, but I don't remember that as well. Whenever I logged into my Capital One account, I only saw a credit card account I have with them. That was the only account I opened with Capital One before this XXXX XXXX account.

Company response to consumer: Closed with explanation