BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been disputing the same items with the Bureau since XX/XX/ 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature. 
Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.

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 2018-06-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been charged more than 900.00 in overdraft fee in the last 2 years with my TD Bank. I am certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I'm unaware off and there are no way and no grace period where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these banks are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Im a little confused. three months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me. 
But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points. I'm under contract of buying a new home. The negative information reporting could cause me to get denied. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account within 10 days of this letter.

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 2021-04-07
Company: Conn's, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I reached out to Conns XXXX XXXX about resolving a delinquent bill. They transferred me to another department. When I got to said department I was promised that when I paid the balance in full ... no settlement that they would remove the account in its entirety from my credit report. I paid the balance immediately with this guarantee. I paid the entire amount due of XXXX on my XXXX card. I got notification today from my credit report that they in fact did not remove it in its entirety but only updated the account. I have called Conns Several times today and rude rep after rude rep has been no help in getting this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This disputed collection action came about ( late 2020 ) as a result of XXXX XXXX 's desire to punish a long-term customer for demanding a termination of service. No contract existed at this time. When I was notified through email ( not in writing ) that there would be a nearly 100 % price increase to {$140.00} ( partially through lost or expiring discounts and credits ), I immediately called customer service and requested termination of service. This termination request came within a few days of the new billing cycle encompassing the price increase. I requested that the service be cut immediately so that they would be owed nothing. They failed or refused to cut the service when requested. This verbal notification was supposed to have been recorded by them for training purposes. In the so called investigation by XXXX and the collection agency, no attempt was made to recover the recording-obviously, the facts must not get in the way. 
XXXX has turned this over to collections, and are attaching my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
Bank of America continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire Bank of America account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and Bank of America has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If Bank of America 's stance is solely based on the fraud/abuse comments within their XXXX  listing, then the entire account listing must be removed from 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 2018-02-08
Company: Blakely-Witt and Associates, Inc.
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:
Account in proper use wrong address incorrectly balance payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I attempted to withdraw funds from my checking account via ATM. I received a prompt stating that my banking institution has blocked transactions. I immediately attempted to contact BBVA to find out more about the issue. Can not even connect! The calls are being dropped continously. Please help with this situation. I need access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 non-monetary relief
Consumer complaint received 2019-01-18
Company: Navient Solutions, LLC.
State: MI
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 contacted Navient since XX/XX/XXXX after i obtained a XXXX 's from XXXX University and attempted to make monthly payments to pay off some of the loans, the representatives i spoke with reported i can't make payments at this time and i will have to wait until i complete school, I then spoke to a supervisor and the supervisor reported he stands behind what his representative informed me off and i can't make payments. I then moved on to get a XXXX XXXXXXXX from XXXX XXXX University after I graduated in XX/XX/XXXX, I contacted Navient 7-10 times during that month as representatives were unable to locate my loan on numerous occasions, and the two times i requested to speak to a supervisor, they steered me into forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for it. I attempted to do my research and contacted them back, the representative informed me that {$480.00} is the minimum payment allowed to make per month. I explained I am unable to pay that amount as I had just landed a job after graduating, and have a mortgage under my name along with another loan through XXXX XXXX under my father 's name that I have to repay, the representative insisted I go into forbearance. I explained that this will force me to accrue more interest, the representative reported that either I pay the {$480.00} a month or I have to make the decision to go into forbearance as those are the only options for me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I am soliciting your assistance to put an end to Discover credit card 's illegal and unfair credit reporting practices as they are impacting me directly : There was an erroneous charge to my Discover credit card. My balance was {$0.00} at the time of the charge and I had no balance due. I was not made aware of the charged item until I received notice that My FICO had dropped nearly XXXX points as a result of a negative reporting from Discover. Because I had no balance due, as with most of my credit cards, I never stopped my busy life to review what should have been a {$0.00} balance monthly statement. 
Discover maintained they could not remove the late until the vendor acknowledged and corrected their mistake. 
Subsequently, the vendor acknowledged their mistake and reversed the charge. 
I followed up with Discover only then to be told by supervisor, ( insert name here ), they would reverse the late fee, but not the reported late payment to the Credit Bureaus that was destroying my credit. They maintained that the erroneous charge is not their fault, so they are not compelled to correct the record. 
Because of Discover 's purposed negligence and FALSE REPORTING, my current refinance is costing me thousands of dollars more. 
Please advise me on how to recoup my financial losses, current and projected, caused by Discover 's False Reporting. 
Please advise me on all of my legal remedies to force Discover to correct the record. 
Please advise me on all of my legal remedies to force the credit bureaus to remove the negative item from my reports without adding a dispute to my record even with Discover not currently following the law. 

Most appreciatively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: United Shore Financial Services, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage is still over charging me {$500.00} on my monthly mortgage payment, after I satisfied the escrow as a result on increased property taxes and insurance. Since XX/XX/2021 I have called UWM over XXXX times accumulating XXXX plus hours of my time and requested to speak to a XXXX on multiple occasions. Every time I end a call I make sure the the representative has notes detailing our conversation along with the necessary resolutions steps that need to be taken. The representative then says they have opened a ticket and my payments will be corrected in XXXX business days. I then log into my account on the XXXX business day to see that the payments have not been corrected. There is now {$10000.00} worth of reversal transactions and I don't know where the money went. The over payments are causing my checking account to go into the negative. UWM clearly does not have the proper controls and monitoring in place to resolve customer concerns and the Government needs to audit them. I work in risk and none of this is acceptable. I still have not talked to a XXXX at XXXX yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Coastal Credit, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
COASTAL CREDIT LLC is reporting a fraudulent auto loan on my credit report. I have reported the fraudulent account to the police department. I have submitted the police report, id theft affidavit, and letters stating I am a victim theft to COASTAL CREDIT , LLC and the credit bureau on 3 separate occasions and the letters are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have not deleted from my credit report nor have they responded to my certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Limit was lowered from {$4300.00} to {$100.00} on my XXXX XXXX XXXX XXXX credit card, serviced through XXXX XXXX. I checked all the credit bureaus and have had no nee changes or negative impacts. I have had account 12 years and never an issue. They have hurt my credit severely. I have talked to 6 people over two weeks amd they have made no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Bread Financial 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:
Date is XX/XX/2019. This Forever 21 account was a {$15.00} charge that the company billed us double. We paid the amount owing in a timely fashion and they indicated it would be fixed. They never notified us to let us know the account was not corrected. They also never took the proper measures to let us know that they were reporting me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I responded to an ad selling XXXX XXXX tickets. I exchanged a few texts with the seller to make sure he was legitimate ( poor judgement call on my part ). He gave me his name, email, and sent me a photo of himself holding his driver 's license. We talked on the phone and he asked me to send him a payment of {$400.00} via Chase QuickPay XXXX, and then he would electronically transfer the tickets to me via XXXX. As soon as I sent the payment, the seller started acting suspicious and was not transferring the tickets right away ( we were still on the phone ). I went straight to my online Chase account to cancel the payment before the seller could accept it. The Chase website would not load correctly and I got an error message saying " This part of our website is not available right now. '' I tried multiple times to login but by the time I was finally able to get into my Chase QuickPay account, the seller had accepted the payment and then hung up the phone. Of course, the tickets never arrived and I was scammed. I tried calling him back but he blocked my phone number.

I immediately called Chase and was transferred to the claims department, and I told them my situation. In my bank statement, the transaction still showed as " pending, '' so I believed there was still time to stop the payment from completing. They said they will open up a claim and get back to me with a decision in a few days, but more or less told me that since I sent the payment and the seller accepted it, there was not much they could do. I then ran into a local Chase bank branch and told them what happened again. The branch manager called the claims department and essentially told me the same message. This all happened within 1.5 hours of getting off the phone with the scammer. One XX/XX/XXXX, I was told by Chase that my claim was deemed invalid.

I understand I made a poor judgement error. But I could've canceled the payment if the Chase website were working correctly, and I also believe Chase should have protections against this kind of fraud. I am now short {$400.00} and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: GREAT LAKES
State: VA
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:
Great Lakes has my repay date wrong and it needs to be fixed. They tried to collect before the 6 month period was up and reported it on my credit. I have told them before that what ever info they have that caused this was wrong but it obviously was not updated. Also, as of this week I am a part-time student at XXXX XXXX XXXX so that needs to be updated and any further payments defered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity thieves someone got my information and opened up accounts in my name this was removed from my report before and now its back under a different company name this is on believable they keep calling me and I explain to them that Im a victim of identity thief and they said they was gon na close the case but never did

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Navient Solutions, LLC.
State: CO
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 took out student loans from Navient and they have ruined my credit score. The school involved, XXXX XXXX XXXX XXXX Colorado, was a predatory lender and encouraged me to take out more loans than necessary and did not inform me that what I could earn for this degree was not enough for payment of the loans. Upon graduation I had to defer the loans for several years until I could afford to pay minimum amounts. During this time they reported me as being delinquent which was not a truth .When I was able to start making payments I had to get a job in my first degree as this one from the XXXX XXXX could not support even the minimum payments. Their reporting me as delinquent, when I was not, has ruined my credit rating. The School, XXXX XXXX XXXX XXXX Colorado has subsequently gone out of business from their unethical practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple bank changed to BBVA Compass on Saturday XX/XX/XXXX. Instructions to access my account with the new bank were sent via email, I followed the instructions and could not access my account. 

On Saturday XX/XX/XXXX I called customer service and was disconnected. 
Called again and my information was taken by a customer service rep. They said to try again tomorrow after being on hold for 35 minutes. 

On Sunday XX/XX/XXXX Tried to login again without success Called customer service and gave up after waiting Monday Took no action Today Still not able to log in Waited 55 minutes to talk to a customer service rep. The rep on Sunday did not get my email correct. Did they send any information to the wrong email address? I dont know. 
They sent me 2 passwords to try via email and I could not get into the mobile app or website to manage my account They also gave me two passwords to try over the phone The app is not allowing logins The website says the link is broken I just want to see how much $ is in this account to take it elsewhere and will have to go to a physical location to do this. Luckily, theres one 5 miles from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Experian, XXXX, and XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 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 explanation