BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
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:
On XXXX XXXX, 2017, I faxed over my police report and a list of everything that needed to be removed from my credit report for Transunion. I was told to do this by XXXX and that by the 5th business day it would be removed. Well, I checked my credit report and saw that only the inquiries were removed. Nothing else. I called in, stayed on hold for 45 minutes and finally got someone on the phone in the US Special Handling Department. She said no one mishandled the account but she could see where there were some discrepancies once she went back and looked at the original documentation that was sent it. She told me that it would be another 5-7 business days to review it and then they would mail out the results. That is unacceptable. They should have removed everything while I was on the phone based upon what she saw along with the documentation that I sent in. They are violating my rights as a consumer and I have the right to file suit if this is n't fixed asap. I will also be filing a complaint with the attorney generals office and the ftc because of this. 

The accounts that should have been removed in addition to the inquiries were XXXX, 2 bankruptcies, all accounts associated with XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2022-03-10
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On dates, XX/XX/XXXX, and XXXX XXXX I made purchases of {$860.00} and {$1200.00}, respectively on XXXX XXXX XXXX I was given an estimate of about a month for the order to be completed and on XX/XX/XXXX, I made my first contact with the merchant to inquiry about the order. The merchant failed to respond. I then reached out again on XX/XX/XXXX, again the merchant failed to respond. Again I reached out on XX/XX/XXXX, this time the merchant responded but failed to provide an update on the order. Finally, on XX/XX/XXXX, I requested a refund from the merchant, which was approved. After two weeks on XX/XX/XXXX, I reached out to the merchant again due to issues with receiving my refund, we then agreed to escalate the issue to my bank. After that correspondence on XX/XX/XXXX, I have been dealing with my bank. On XX/XX/XXXX, I filed a dispute with Chime support for a failed refund. I spoke to an agent on the phone and explicitly stated that I received permission from my seller to accept a refund and that I had not received any goods/services. The dispute was filed and I waited until XX/XX/XXXX when I received an update that my claim was declined. I called my bank and spoke to an agent and they told me that they found in the investigation, evidence of the transaction and receipt of the goods. After hearing this, I got off the phone with them and called the original merchant, and he promised he did not do anything of the sort. I reached out to Chime for the documents they found in their investigation and was shocked to find they found no additional information, and their resolution was reached completely unfairly. On XX/XX/XXXX, I filed a complaint with XXXX XXXX XXXX against Chime, citing the wrongful handling of my dispute. I attached screenshots of my correspondences with the seller dating back to XX/XX/XXXX, but again they claimed the case was handled correctly but I could formally reopen my dispute. On XX/XX/XXXX, I moved again to reopen my dispute with Chime, but they quickly declined again on XX/XX/XXXX. Although I had additional evidence in my dispute, Chime again had no further evidence and rejected my claim with zero basis. I reached out again for the documents they used in their second investigation, but still to this day XX/XX/XXXX, they have failed to return my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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: Information belongs to someone else

Complaint:
This is not mine. its identity theft from someone else. i never had XXXX car. please remove this on my credit report. 


1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$20000.00} -This is not my account.

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 2019-10-17
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
debt was XXXX county since XX/XX/XXXX and XX/XX/XXXX Judgment were filed in XX/XX/XXXX and XX/XX/XXXX and never renewed In AZ judgments need to be renewed in 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has called me at obscene hours throughout the day, and up to 9 times a day. I answered once and told them to stop calling me. They have now called my dad, not once, but twice, and given him details about my debt ( what it is for, what company, the debt I owe ). They are calling to collect a debt regarding a Victorias Secret credit card I have through them. After they called my dad this morning, I called them and told them to stop contacting me and my family ( again ). This is  getting to the point of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Capital One to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection company is currently reporting XXXX inaccurate and false information on my credit reports. The credit reports state that I owe XXXX hospital {$270.00} and {$350.00} which i do not owe and have never received notification of any collection account activity. This information was disputed with XXXX and XXXX credit bureaus. XXXX accurately deleted the inaccurate account, but XXXX updated the accounts to show that it is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Multiple payments made over the last 5 years and applied to the wrong accounts. I have federal and private loans totaling XXXX. I would make payments for the amounts given for each individual loan, but they would apply the amount to the wrong account. This happened so often and for so long that I have had to push my loans into deferment multiple times stacking the debt over and over to the point that I can no longer afford the payments. After working with Navient over and over again, they still are applying the wrong amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pioneer Recovery Services- my student loan went on to default status. Within 2 days of default, Pioneer Recovery services made calls to multiple people that I may know ... my spouse, multiple in-laws, my parents, my friends, my office landlord, ... .. many, many, many people, multiple times per person. They already had my address and phone number- because they verified with these people, yet they repeatedly called my friends and family members. They are not supposed to let them know that they are a debt collection agency, however, they told everyone that they were " recovery services '' I know that they were offering me " student debt rehabilitation '' however, they will not send me any information about it- they demanded that I give them my financial information over the phone- will not give me any time to read the terms- had me on the phone for 40 minutes-

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 2019-08-03
Company: Navient Solutions, LLC.
State: MO
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:
This was a small loan I took out in XXXX for {$14000.00}. That's is the only amount I ever owed. Once I graduated in XXXX, i started paying it back after a year. This loan was paid off over 10yrs ago. I keep getting calls from Navient saying I owe some {$22000.00} now. I've explained time and again they must be confusing me with someone else. One rep said I went to XXXX XXXX which was untrue. I've only attended colleges in the Missouri area. I feel my identity has been confused with someone else and i feel harassed by phone calls constantly. I should not be getting calls today from something small that began in the mid XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am devastated. I am only a XXXX XXXX who gets by XXXX eats. I dont make a lot of money while still having to pay rent and other bills. Unfortunately one day I over drafted my account by 15 , which was broken up in 4 different transactions. These 4 transactions were made sending my balance negative. In result of this BOA charged me 140 $ In over draft fees, to me, a broke XXXX XXXX I called their support and they informed me they could only refund one of them which Im still out XXXX $ in fees. I have never even over drafted my account before and have been banking with them for over 10 years and this is how they treat me. When I tell you I cried for an hour over this, I really did. It may only be XXXX $ but that is a lot to me when I struggle every week just to pay my bills. I explained this scenario to them and they did not seem to care.

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 2019-06-14
Company: EQUIFAX, INC.
State: PA
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 requested my annual report and it said i was unable to get access to it. I tried to get it XX/XX/2019 i then call both companies and they werent able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo intentionally and fraudulently puts my wife 's account into low account balance and once the account goes into negative, the bank would charge the account overdraft fees. This results in the bank charging the account hundreds of dollars in so-called and fraudulent overdraft fees. After meeting with a personal banker to discuss the matter, Mr. XXXX XXXX, he angrily subjected that the only solution is to file a complaint against the bank because " the bank has no reason to refund the charges.

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 2019-10-17
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my mortgage with XXXX who paid off my Sierra Pacific Mortgage on XX/XX/2019. Unfortunately, I did not remove my ACH so my usual mortgage payment of {$1600.00} was also withdrawn. On XX/XX/2019 I called Sierra Pacific Mortgage at XXXX XXXX. and spoke to XXXX and requested that they reverse the ACH. She told me that they would try to do that, but if anything I would receive a refund within 5-10 business daysbut that it would be closer to 3 days, since it is just a refund/overpayment. I also emailed XXXX to reverse the ACH also and per Sierra Pacifics request, I emailed the proof that the payment was withdrawn from my account. I never received my refund but I did receive a letter dated XX/XX/2019, that my refund would be made within ten business days. I just called today, XX/XX/2019 and I asked to find out when my refund was made and I was told by XXXX that the refund has not been made yet. This is MY money for an overpaymentthere is no reason why I do not already have these funds. They know that my account was paid in full and they put those funds in unapplied funds. This is terrible, I will never do business with Sierra Pacific again and they need to overnight MY money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, 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:
I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month ( XXXX, XXXX and XXXX of XXXX ) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXX toXX/XX/XXXXbut they also reported as late, the trial period payments ( XXXX, XXXX and XXXX XXXX ) even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX XXXX XXXX retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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 a vendor charge with my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. The issue was resolved quickly before the next billing cycle, however XXXX erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from Equifax via the annual credit report process. The remark is still on my credit report, I called XXXX they said it shouldn't be and suggest I file a compliant with Equifax to get it investigated. Equifax did not make the changes, because they did not receive documentation from XXXX regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both Equifax and XXXX on XXXX over this issue. I also obtained the email address of XXXX 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Advantage One Credit, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
XX/XX/XXXX, I XXXX XXXX XXXX took a title loan of XXXX with this company. they in Ca. ( XXXX ) XXXX at time of loan. Since they I have paid they them XXXX in XX/XX/XXXX. they moved to Advantage One Credit XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX I spoke with them they said they would get send the documents i needed but never did. Now this is XX/XX/XXXX, Spoke with a lady with the company in XX/XX/XXXX. every thing was good and now XX/XX/XXXX I can not get in touch with no one.company Name when i call them at XXXX is now XXXX XXXX .You pess number 2 and is disconnect you. I when on the BBB Advantage One Credit LLC has 16 complaints which all sound like what I am going through. PLEASE HELP. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-14
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
I was astounded to find out there was a 30 day mark on my credit report recently for this auto loan. My ex husband has this vehicle and the account is paid on time every month. My ex husband traded this vehicle in for another one and this loan was to be paid off in full. He made all the payments on time, I am not sure why this is reporting a 30 day. I am asking to have the 30 days mark removed from my credit report as a courtsey due to you can see my excellent payment history. I am trying to buy a house and when this popped up, it is seriously impacting my credit and the ability to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested the negative information be removed back in XXXX of XXXX. The company responded and noted in the attachment that the information will remain until XXXX XXXX. As of today XXXX XXXX XXXX, the negative information is still being reported on my credit report.

Company response to consumer: Closed with explanation