BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: AES/PHEAA
State: AZ
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 been making monthly payments of {$1000.00} since XXXX XXXX {$120000.00} ), and had made smaller payments since XXXX. The original loan amount was {$67.00}, XXXX XXXX. To be clear, my loans have NEVER been delinquent or late. I should have had my loans forgiven last year as I have made over XXXX on time payments, and worked for two qualifying employers for now 22 years. However, the records from FEDLOAN Servicing incorrectly reflect that I do not qualify under the Public Service Loan Forgiveness Program. The two main errors the company is commiting are advising me that 1 ) " Your Payment Was Received Outside of Payment Period Window, and 2 ) " You Do Not Have A Bill Due For This Payment Period. '' I have NEVER been late with my payments, and in fact I prepaid the amount due for my loans so it is impossible for any of my payments to be outside the payment period window. Secondly, I have never had my loans under a forbearance or deferral so my payments should have been counted. Again I have made OVER XXXX qualifying payments and met all the criteria for qualifying under the Public Service Loan Forgiveness Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX XXXX XXXX could not have charge off an account in bankruptcy that did not exist. To further the conspiracy XXXX   has been blocking my account so that my recent credit cards can not report. XXXX XXXX  and XXXX XXXX XXXX  are two of the four that have been blocked.

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 2023-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not provide written instructions or written permission to Equifax or any other credit reporting agency to report any listed transactions with XXXX XXXX XXXX XXXX nor are any of the transactions associated with XXXX XXXX XXXXXXXX XXXX related to any transactions completed by me. XX/XX/XXXX, XXXX contact made by consumer to Equifax regarding identity theft and the fraudulent reporting of account XXXX XXXX XXXX XXXX XXXX and provided FTC Identity Theft Report Number XXXX XXXX XXXXXX/XX/XXXX, XXXX Equifax failed to conduct a proper investigation, but merely updated the erroneous item, without verifiability and validity, nor proper communication with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection was opened XX/XX/XXXX for a XXXX XXXX account. Amount was XXXX. I have taken numerous steps with the company but I have not gotten anywhere. There is no way I could have opened a XXXX account, 1 because it was opened in XXXX/XXXX  of XXXX when I had no way of opening it, secondly I have a XXXX account of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Someone purchased a vehicle in my name and got over {$3000.00} worth of tickets and I have no idea how when I don't have a license and my id is expired since 2020, and I lost it 6 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: SYNCHRONY FINANCIAL
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:
I opened a Synchrony XXXX XXXX XXXX credit card and I subsequently paid it off timely as I do with all of my accounts. 


XXXX XXXX Payment of {$500.00} Balance of {$1800.00} XX/XX/XXXX payment {$1000.00} balance of {$1300.00} XX/XX/XXXX payment of {$500.00} balance {$850.00} XX/XX/XXXX Payment of {$300.00} balance of {$550.00} XX/XX/XXXX Payment of {$200.00} balance of {$570.00} XX/XX/XXXX payment of {$570.00} no balance Paid in full Somehow per the credit report they found an additional {$10.00} to charge me on something I did not buy. So I was reported XXXX in XXXX, XXXX, XXXX, XXXX. In XXXX they closed the account it shows CBG. I called and Spoke with someone on XX/XX/XXXX and they advised my score/credit would be fixed by XXXX. However, they updated my report to say it was closed on XX/XX/XXXX Owing {$0.00}. 

This did not correct my report I was attempting to get approved for a house and this has through a complete curveball at me. I've never paid anything late and I pay all my accounts in full and on time. Please review with Synchrony and have them correct there records. Not only did I not pay late but they closed my account and did not correctly report me as paid in full. I expect my credit report to be correct to show my account was Paid in Full as of XXXX and the late payments reported to be corrected.

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 2021-04-28
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
American Honda Financial Co reports debt over seven years old on report. 

I have asked them to remove but they have not The account was closed in 2015. It has been seven years and I would like the account removed from my credit report Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair act XXXX Account number XXXX and XXXX, the has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian, XXXX, XXXX. 

I am about to file a law suit against all 3 credit reporting bureaus for misrepresentation, false reporting, consumer abuse and racial disrimination. 

The credit bureaus all work together to discriminate against minorities and people whos credit appears to get better but then when achieved, they concoct a way to hit you with big point reductions when they only give you small increments of a raise in score at a time. 

Very lopsided way of holding a person back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: NV
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 CONTACTED EQUIFAX ON NUMEROUS OCCASIONS TO LET THEM KNOW THAT THE INQUIRIES ON MY CREDIT REPORT ARE IN ACCURATE. I HAVE SENT OVER MY FTC REPORTS AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT INQUIRIES. 

FRAUDULENT INQUIRIES : AOD XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My mother and I have a safety deposit box in both of our names. I discovered this when she passed away on XX/XX/XXXX. I looked everywhere but was unable to find a key to the box. I want to open the box to see what is inside as well as close it afterwards permanently. I have discussed this box in four different face-to-face meetings with the Bank of America on XX/XX/XXXX, XXXX and XXXX XXXX. At each meeting I have stated that I would like to have the box opened and I will pay for the drilling. I was told the drilling would cost {$150.00} which I am willing to pay. At the conclusion of the second and third meetings I was told that the bank would look into drilling and get back with me. I waited several days and no word was received. At the last meeting on XXXX XXXX I again asked when the drilling would take place and this time I was told I would most certainly not be able to get into my box this year! Asking why I was told that because there was no key the bank was not willing to have other customers wait for access to their boxes by waiting to have my box drilled taking up to what they said would be an hour. I then told the assistant vice-president of the branch ( the person I have been meeting with ) that seemed totally unacceptable, inflexible, and keeping my property from me seems illegal. I am considering getting a lawyer, but that would cost me money. I have XXXX XXXX and having this type of stress on me is something I do not wish. Please help. I really don't know what to do. I was told by my tax preparer that I needed to see what was in that box because it may be if it goes on to the next year a special tax person would have to be hired ( and they are expensive ) to do taxes on my mother in a different year after her death.

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 2023-04-04
Company: EQUIFAX, INC.
State: MI
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX Balance : {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TAG Intermediate Holding Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Have a account on my XXXX file number XXXX. I did not open this account 3 years ago. I need proof of date signed and signature for the date in mentioned. If none could be provided under this contract I request it come off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent outsourcing reported collection supposedly from XXXX on my credit report for the amount of {$2200.00} ... I contacted the collector who stated they " just '' purchased this debt from XXXX with whom I never had service with .... but after requesting validation for debt from convergent purchase date stated on their statement from XXXX showed XX/XX/2016 I contacted XXXX who had NO information to provide and NO accounts under my social. Again, convergent harassed me with calls to my cell work and my parents where I just agreed to pay the settlemetn amount just to make them go away and they agreed to delete this erroneous collection from my report. Now 2 months after I paid what I didn't owe in first place and never received a collection letter from convergent they are STILL reporting this on my report and bureaus are stating they " validated '' this collection so they will not remove ... please help this is unlawful ...

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 2018-09-24
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2018 a deposit was made to the bank sun-trust for an amount of XXXX dollars. The bank place a hold on the check in the afternoon on XX/XX/2018 for the next seven days which was not reasonable until XX/XX/XXXX. Proof was provided to the bank on XX/XX/2018, indicating that the check was paid in the form of a verbal confirmation with their representative via phone and the drawn check bank and a copy of the paid documentation indicating withdrawal of the check face amount to sun-trust. SunTrust did not release the hold, charged overdraft fees and maintained their hold for unreasonable time after receiving proof that the payment was paid. The bank is not operating in accordance to compliance for handling checks they did not release any of the funds daily, charged fees for bills, did not indicate that their would be a hold. They release the check at first then mid day on XX/XX/2018 when a bill pay was due then place a hold on the check and then charged fees for not having the amount in the account for coverage of the bill pay. The paid the bill pay and charged several overdraft charges. They place a hold to then charge several overdraft charges from monthly ACH bill which come in monthly. The deposit of the check for XXXX is a monthly deposit to cover monthly ACH and bill pay charges which occur every month for the past two years bi-weekly.

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 2021-02-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Greetings! 

Step 1 : What is this complaint about?

Victoria 's Secret credit card. 

Step 2 : What type of problem are you having?

Charging me late fees and accumulates up to {$470.00} from initial store purchase of {$95.00} Step 3 : What happened? 
At the store a cashier offered a card with initial discount on first purchase ; Gave me receipt with note that I will receive the card 10 to 12 days. But never came and then the Comenity Bank starting to charge late fees. The card never came until XX/XX/2019, on my bill another purchase came out that I did not do. Hence my bill went up higher with increase late fees. I dispute the issue and they wanted me to send them my SNN and other proof of address by mail which I believe is a delaying strategy and I don't trust them because of what had happened. The account was closed and was transferred to a collection agency which calls me and bothering me ever since. I am willing to pay the principal amount owned but they want me to pay the late fees which I am not entitled to. 

Step 4 : What company is this complaint about? Victoria 's Secret  credit card and Comenity Bank.

Step 5 : Who are the people involved?

Only me and the credit card Company or the said Bank. I don't know who stole the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. XXXX failed to placed the {$51000.00} in the class XXXX claims and by not doing so was discharged at the confirmation of the plan. XXXX failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. XXXX did adjust the loan on XX/XX/XXXX only after XXXX had violated the bankruptcy code and FDCPA. XXXX during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. XXXX in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. XXXX did not let this happen paid them off and then demanded the amount in full.

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 2018-09-24
Company: Spero Solutions, Inc.
State: AZ
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:
This complaint involves XXXX XXXX XXXX. 

Approximately in XX/XX/2015 I noticed an advertisement from XXXX XXXX XXXX to consolidate my student loans and place me on an income-driven repayment plan for three payments of {$200.00} for initial processing and subsequent monthly payments of {$39.00} to maintain my paper work. I thought the {$39.00} a month was going towards my student loans but what actually happened was they placed my loans in forbearance. I did not realize this until I received an email from XXXX XXXX stating that my loans were delinquent and that I had accrued nearly {$500.00} in interest over a two year period in which I hadn't made a payment.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-24
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX XXXX which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices. 

XXXX XXXX XXXX Dates : opened XX/XX/18 Reported : XX/XX/18 Collection : XX/XX/18 XXXX : {$730.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018, I received 2 letters from Bank of America closing the 2 Rewards credit cards I had with them. I have had a credit  card with them for probably about 15 years and pay off my bill every month.The reason given : " Irregular authorized user activity on one or more of your accounts. '' They also ran my credit score which is XXXX. 
When I called them on XX/XX/2018, after being on hold for over an hour and passed around to another department, this is what I found out. ( Dealt with someone named XXXX XXXX ). He said that three people were added onto my credit card ( s ), in XX/XX/2018 : XXXX XXXX, XXXX XXXX, XXXX XXXX. They did this by somehow pretending to call from my home phone ( which is the phone the credit cards are tied to ). I do not know any of these people nor has anyone been inside my house by themselves over this time period. The B of A person could not or would not tell me what other personal information B of A asked for in order to allow this. I was shocked : 1. ) B of A closed my credit cards with no fraud alert or warning ( I monitor one of the cards online ; the other one is not set up online but I monitor the paper bills every month ) 2. ) It took B of A 8 months to inform me 3. ) I monitor credit card charges and nothing suspicious has come up. 4 ) I  have close to XXXX cash back points on one card and probably about 1600 on the other card. B of A said there was no way to give me these points now. This is a considerable sum of money owed to me. I have one more credit card bill to pay for about {$140.00} by the end of XXXX and I can't even use the points for that?

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