BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America ( second lien holder ), XXXX,, and XXXX are reporting this mortgage account as open and late which is incorrect. This mortgage account was actually foreclosed and closed which occurred back in XX/XX/XXXX. Since that point, Bank of America has not reached out to me to remedy the situation. The loan was reported foreclosed and closed by Bank of America, XXXX, and XXXX. On XX/XX/XXXX, Bank of American purchased the home due to it being the second lien holder and sold the property at auction. On XX/XX/XXXX Bank of America began maliciously reporting the loan as a charge off. I filed a complaint with XXXX and they reported the account as valid which was incorrect. On XX/XX/XXXX Bank of America maliciously reported the account as open and being 180 days late which is incorrect. I filed a complaint with XXXX again and was told the reporting was valid. I contacted Bank of America and was not able to receive an explanation for the malicious reporting. This mortgage account was a second mortgage and was executed on the same day as the first mortgage. The first mortgage is closed and has the correct status. The execution date was XXXX XXXX, XXXX. This was a XXXX 80/20 loan product and was purchased entirely by Bank Of America in XXXX. Bank of America made itself the second lien holder in order to maliciously attack my credit file if this loan ever defaulted. This second mortgage loan was used to purchase the property and should have gone away like the first mortgage due to the property foreclosing. I want Bank of America to cease this malicious reporting practice and make this right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: EdFinancial Services
State: DC
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:
I have a student loan being managed by EdFinancial, and starting in XX/XX/XXXX I set up an automatic repayment plan ( they call it XXXX ) to pay off my loan in regular monthly payments. I received a notice from EdFi in XX/XX/XXXX that per Department of Education guidelines my interest rate would be dropped to 0 % due to the pandemic ( PDF attached below ), and that I could opt into loan forbearance if I chose to. I decided not to do this, as I wanted to pay off my loans as quickly as possible and I realized I could pay off my loans faster with a 0 % interest rate. 

I just discovered that EdFinancial stopped my automatic payments back in XX/XX/XXXX anyway, without my permission, and the only notice they provided was buried in an email with the title, " Important federal student loan flexibilities ( PDF attached below ). I have since restarted my monthly payments, but I now find that the payment amount is locked at the minimum required, and to change it I need to call them and speak to a representative. 

XXXX realized they wouldnt be making money off their students loan holders while the 0 % interest rate was in effect, so they took unilateral action to change loan holders ' payment settings, buried important information, and did not provide clear notice of the impact of these actions. They are still currently making it harder for folks to restart automatic payments by disabling the online feature that lets loan holders specify how much they want to pay monthly. I was told by a customer service rep that the feature would be enabled again once the CARES Act is no longer in effect, in XX/XX/XXXX. This is morally and ethically wrong, and deceptive. It took me 17 months to realize this, and Im sure many loan holders are still unaware that this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

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 2020-02-22
Company: Experian Information Solutions Inc.
State: VA
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 don't recognize this companies, i never applied for this. I believe that somebody used my personal information and applied for this companies.

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 2018-08-17
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This isn't a duplicate complaint. If what they did is true when I had signed for my new vehicle trade line on my XXXX XXXX XXXX and what they have stated say that when I had signed for my new vehicle my old deadline or contract on my XXXX XXXX XXXX was still on my report before it was deleted and was put into consideration for my new interest rate than why did my interest rate increase after 6 plus months of on time payments and they also financed me for 2 to 3 payments longer at a lower payment as well but thatisnt the issue the issue is those extra payments is extra money in there pocket they are not entitled to and should have been given a Lower one because of set conditions. On time payments should lower not raise interest rate.

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 2020-02-22
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
773.69 % interest rate I borrowed XXXX in XXXX XXXX I have to pay back XXXX by XXXX XXXX. XXXX in deducted from my back account every week. To date I have paid back over {$2000.00}. This is a predatory loan. I cant afford to keep paying out another 8 months. When calling and talking to them about deferring a payment they want me to double up the following week. I need to reach a settlement agreement and stop authorization from them taking money out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a form letter from XXXX XXXX XXXX stating I have a serious delinquency with a loan company and legal action is being prepared. Due to the dollar amount being over {$100.00}, they have noted the account as possible fraudulent activity and malicious intent to commit fraud. I have never used this loan company ; I have not worked for the employer they state as being on the application in over 10 years. There is no reference of contact to dispute the debt, other than a phone number demanding a full payment ( payable to XXXX XXXX XXXX ). Failure to make the payment could result in a summons to appear in court. 

My only recourse thus far has been to contact the loan company to verify if I have an account ; no account on file ( ACE Cash Express ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 don't recognize this companies, i never applied for this. I believe that somebody used my personal information and applied for this companies.

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On a letter dated XX/XX/2019 I had requested pursuant to Section 609 ( a ) ( 1 ) ( A ) for TransUnion to provide physical verification of the item on my credit report listed as BK Court XXXX California I had also objected to two hard inquiries on my report that were not authorized. One by XXXX XXXX XXXX and the other by XXXX XXXX. I sent this letter certified return receipt and it was delivered XX/XX/2019. I received a letter back dated XX/XX/2019 stating that the results had been verified as accurate. However TransUnion never provided physical verification as required by law. 

On a letter dated XX/XX/2019 I submitted a second letter pursuant to section 609 ( a ) ( 1 ) ( A ) requesting additional information and again for them to provide physical verification as required by law. Again I sent the letter via certified return receipt and it was delivered on XX/XX/2019. On a letter dated XX/XX/2019 TransUnion advised that the item in question as listed above was verified as accurate. But again as per the law they did not send me the required physical proof that they have in their files. At this point they also told me that I had requested to opt out of their promotional list which I had not requested. 

On XX/XX/2019 I submitted a third written request. I sent this letter certified return receipt. It was delivered on XX/XX/2019. I received a response back from TransUnion telling me they were unable to determine the nature of your request or your request was illegible. Therefore stalling an additional month before I could again ask them to abide by the law and provide physical proof that they have in their files that this item does in fact belong to me with my signature on it. 

On the last and final letter dated XX/XX/2019 I submitted a fourth letter. In this letter I have asked that all unverified information be deleted as required by law per the FCRA Section 609 ( a ) ( 1 ) ( A ).  I sent this letter certified return receipt which was delivered and signed for on XX/XX/2019. On XX/XX/2019 I received a letter back from TransUnion telling me that the investigation results had INFORMATION UPDATED. However they did not list what was updated, or provide me that much needed key lawful piece of physical documentation. allowing them to report the item in the first place.

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 2020-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XXXX 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 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21, I received a spoof a phone call from the phone number of XXXX, I XXXX  the number and it stated that it was the XXXX middle district court house! The guy on the other line, state his name was XXXX XXXX and he stated that I was part of a crime! I have never been in trouble, I am a XXXX  XXXX with the XXXX XXXX XXXX XXXXXXXX! 
The guy demanded money from me using the app of XXXX XXXX! The spam caller caught me off guard and seem realistic and though the guy was real! 
I sent money to him by using XXXX XXXX to the name of XXXX XXXXXXXX XXXX XXXX  name of $ XXXX! I sent him money of {$500.00}, {$800.00}, {$2000.00}, {$3000.00}, {$50.00}, {$2700.00}, {$700.00}! I will provide you all receipts that I sent to him by XXXX XXXX! 
The guy then started texting me from a XXXX, Florida phone number of XXXX and sent me a email! The email he used was XXXX! Stating that he would reimburse the money back to me! 

The guy kept demanding me money and got a phone call from the guy and demanded additional {$11000.00} which I did not sent him! He said I would have to turn myself in because I didnt make the pay and report to XXXX federal court house at XXXX at night, which they were closed! 

On XX/XX/21, I have reported this to the XXXX, Florida police department, case number XXXX I have reported this to the Florida trade commission:XXXX I have also reported this to capital one case number : XXXX And also reported this to XXXX XXXX and a refund was declined! 

I will be attaching all attachments I have sent to the XXXX Florida police department!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
US bank closed my account over a {$36.00} overdraft fee that US bank refuses to refund. When I received the check from US bank when I go to cash the check at XXXX to avoid US bank XXXX told me I had to cash it at US bank so I did. when I arrived at US bank to cash it I was charged {$7.00} for my money that US bank closed and when I asked for a receipt that the check was cashed US bank refused to give me a receipt

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 2019-05-14
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: Their investigation did not fix an error on your report

Complaint:
I disputed the accounts XXXX, Equifax and XXXX are reporting that are not mine and have requested they validate my accounts per Sections 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 616, and Section 617 of the Fair Credit Reporting Act. Per the first letter I sent to the 3 credit bureaus, XXXX adhered to federal laws and guidelines and deleted the account that is not mine but Equifax and XXXX continued to claim they have verified the accounts although I requested for validation, not verification. I disputed the account 6 times and even contacted the creditors who haven't responded back to me but Equifax and XXXX refuses to abide by the Fair Credit Reporting Act. This is my last resort and am hoping that the CFBP uphold the laws and request they provide me with my signature that is allegedly on the original contract to this account or delete it, or I am going to file a lawsuit against them which I will do if they do not delete the account that does not belong to me. I have kept a perfect record of all of the disputes I sent out - certified mail receipts, notarized documentation, etc. This one account is extremely damaging to my credit and has been causing me to not be able to move into a home because they refuse to validate or remove it. Please help me hold them to the standards of the Fair Credit Reporting Act and delete the account that is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Im a federally protected consumer and my rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.

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 2020-02-22
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: Information belongs to someone else

Complaint:
I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX/XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XXXX 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 2019-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I made an ATM cash deposit at Bank of America ( XXXX XXXX XXXX XXXX, XXXX XXXX, AZ. XXXX ) after hours. The deposit was for a sum total of {$6900.00}, consiting of 69 bills of {$100.00} the machine allows for a maximum of upto 75 bills. The machine took in all that money, proceeded to count for a few seconds before displaying an error message and handing out a recipiet the recipet mentions that there's been an error but does not mention the {$6900.00} amount and instead shows a mere {$300.00} deposit. 

I tried reaching the bank on their helpline, and other numbers I got from the internent, but could not speak to a human voice. At this point I am really worried about the money, dont know what to do as BoA seems to be unreachable. 

This is extremely nerve wracking

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I failed processed the payment {$52.00} for purchase sweater from XXXX XXXX from online although they have this option, but I been noticed 2 weeks later said I was not able to processed it even I saw website shown the payment was successfully processed. One month later credit shown I have late payment and additional interest was+ {$28.00}. I payed with mailed check all of them I even over pay another {$28.00} which means I pay for the interest total {$52.00} for a {$52.00} dollar purchase. I remembered the due said I owe them $ XXXX. Now another 5 months later they sent via email says I owe another {$52.00} dollar. This is insane. Like I am paying a monthly payment for a furniture! But I just bought a sweater! This situation is ridiculous!

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