BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: Figure Technologies, Inc
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/19 I was automatically denied for a loan that I was preapproved for up to $XXXX for a home equity line. The mailer includes my debt and market value of home. I went online, used the code given in mailer, filled our income info and was immediately rejected. Nothing about my home or how much I owed or needed to borrow.The mailer is completely misleading. I recorded a text chat where I was given very conflicting answers from their customer support manager.This is nothing more then a lead farm to run soft credit checks for personal loan potential. The home value or equity you have is not used in the approval process.The customer service manager (XXXX) boasted their automated underwriting that took less than 10 seconds was efficient. Though she could not explain why they used information in the mailer that was not used at all during approval process.Complete scam for approval

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I work for the XXXX XXXX, and have been pursuing public service loan forgiveness. In XX/XX/XXXX I recertified my employment, and was told I had made forty-six qualifying payments as of that month ; I believe this one is correct. In XX/XX/XXXX I recertified again, and was told I had made forty-five qualifying payments, somehow even fewer than the year before. 

I appealed this in XX/XX/XXXX, and I have received no official communication about it from the servicer. When I call they tell me that it is still being reviewed. At this point it has been eighteen months, and after my most recent call I was told that my situation is not a priority. I have bank statements showing that I did make these payments because I am enrolled in autopay. If I have to make those payments again it could cost me {$10000.00}, so it is a priority to me. 

As someone who works in XXXX XXXX, perhaps most concerning is that there is no official process used when a review is requested. Its all very vague and undefined, and feels like a violation of my due process rights under the Constitution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Oac attempting to collect a minor charge that's been paid

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 2018-12-31
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a longtime Honda customer, who drove off with a new, leased car in XX/XX/XXXX, and who continues to make my monthly {$460.00} payments to American Honda Finance company. But my credit report shows nothing about my lease payments from XXXX - present!! I realized this as I got weird information from Planet XXXX, XXXX, NJ salespeople. XXXX  XXXX kept calling me stating they want to give me a new deal. But one salesman said I was not paying my car note! Another said, my bankruptcy will make it impossible for me alone to get another Honda ; said I needed my mom to be a co-signor. This was all said despite, me getting Hondas before, with lousy credit, and despite me getting my mom to also get new cars from XXXX XXXX. So I skeptically got my credit reports from all 3 credit bureaus, only to see that Honda reports my old stuff, but not my most current stuff! I called American Honda and  got a representative who stated they did not report this new activity, because of my bankruptcy. ( Honda is not part of that bankruptcy ). I forwarded an e-mail from my bankruptcy lawyer. It stated what I did : Honda is not part of my bankruptcy plan. Honda is a creditor paid outside of that plan, and thus, may lease/sell me another vehicle. 


Honda claims the car is due back, in XX/XX/XXXX. ( It should have been turned in, XX/XX/XXXX ). But I got such weird, false information from car dealers, I did not take any new deals. But now, as I get closer to XXXX, I want Honda to report my TRUE, new information! My bankruptcy is clear to the world. But my new lease agreement with Honda is secret! ( Thank XXXX, I paid everything electronically, though my XXXX XXXX XXXX bill pay service. That allows a record, but only my OWN, not Honda 's ). I deserve to have not only Honda, but any other car dealer, rightly see my excellent credit with Honda, as I seek to enter a new lease/car-buying deal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
FRAUD REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2020-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute on XX/XX/2020 for an issue I was having with an order made through XXXX which still had not been completed at the time. I mailed and faxed this and did receive a receipt. On XX/XX/2020 Bank of America requested additional details regarding the transaction. In which I again reiterated that I was disputing the charge in full as I had ordered a closet installation and provided the dates in which I reached out to them and confirmed what the issue at hand was. Bank of America requested no other information from me but on XX/XX/XXXX, stated my claim was denied because I did not provide the amount that was being disputed, what it was for, or my attempts to resolve. However, all of that was both faxed and physically mailed to them. First on XX/XX/XXXX when I filed the dispute and on XX/XX/XXXX. There was no reason the dispute should have been closed and this charge billed back to me and oddly enough they opted to do so right on the closing date of the billing period so that they could tack on additional interest, then again, all of the details they said were not provided - were provided and after my submission on XX/XX/XXXX there was no contact from Bank of America stating that details provided were not enough or requesting clarification. It was simply closed for no reason. It is predatory and entirely incorrect because again, the details they asked for were previously provided twice and they never reached out to me stating otherwise.

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was informed through the courts that a company is reporting misleading information on my report tried to fix it please remove these incorrect items

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 2020-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i just received my statement from bank of america and it even had that charges, let me back down. I recently went to a trip to XXXX new jersey. On my current statement, those charges from XXXX airport are present. As you know sometimes XXXX happens and i needed to use my bank of america debit not credit card. it ' '' debit is my cash, you nor bank of america have a right of any kind via us law to hold me from that money. Why don't you check with bank of ameica and check yourselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   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 2021-10-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I noticed a few loans on my report I do not recognize

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 2021-10-18
Company: FAIR COLLECTIONS & OUTSOURCING, 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 never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this 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 2019-03-22
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PNC Bank has contacted me numerous times the past few days and every attempt I make to answer the call their call disconnects immediately. I know their calling because my checking account has been over drafted for a long period of time, and I'd be happy to explain to them how I can repay the debt and what to expect moving forward however I can't do that if they keep hanging up on me after initiating the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XXXX @ XXXX XXXX. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was paying XXXX a month for a year and they kept taking it on the wrong day and overdrawing my account which was costing me an extra XXXX dollars every time and I gave specific instructions of when I got paid so I had to stop paying it because they were costing me more than I could afford at the time and now my rents higher but my income hasn't increased and when I talked to them I only owed XXXX and now I got all these other amounts I'm just now seeing and I'll see what I can pay because they screwed my bank account up all the time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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 XXXX XXXX i leased a car from XXXX/ General Motors Financial , for 3 years, i did auto payments of XXXX $ a month, in XX/XX/2020 i noticed from my credit card company that i am late on the payment for 75 days, i was shocked, i new, i have auto payment like all my other payment, i called GM , they said that the auto payments was only for 1 year, and they stopped the payment from XXXX, XXXX and XXXX, 75 days, i never stop the auto payment since i leased the car for 3 years, i never got any letter from them notifying me before XXXX that they stop the auto payment, i was sick at home for 3 months with the corona virus, now i`m having big problem with my credit score, i paid the same day the payments for 3 months and advance payment for next month, i never got any latter from GM say anything about the stopping the auto payment, GM telephone # i called is XXXX XXXX XXXX, account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted I.C. Systems in XX/XX/XXXX to validate a debt that according to my report had been there since XX/XX/XXXX. I had not received anything from I.C. Systems before this account was placed on my report. I did not receive any validation. I contacted them again in XX/XX/XXXX asking for validation for a 2nd time. I.C. Systems sent me a " communications are ceased '' letter on XX/XX/XXXX claiming to honor my request to cease communication. However, No request was made. I requested validation and proof that I owe this alleged debt and that was not provided. I've sent letters to XXXX, XXXX, and XXXX, asking for this debt to be properly verified. All 3 bureaus claim to have verified the debt with I.C. Systems but I have not received anything but a bill from I.C. systems. I asked that they provide their method of verification but it hasn't been provided.

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 2019-03-31
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account has been limited for sometime now, I think around XX/XX/2010, I am was a XXXX XXXX, no negative transactions no history of fraudulent activity. For almost 10 years my business has not been able to offer payment and receive payments in turn nearly shutting down my online business, I now do more that 75 % of business in person or storefront. I still dont know why my account has been closed or suspended, i have tried mutiple times over the years to get this resolved. Several times I have received emails that paypal has been involved in class action suits for privacy issues or other things but they insist on limiting or banning loyal customers like my business indefinitely without clarity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, XXXX, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit report.

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 2018-12-31
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed for Cares Act mortgage forebearance with TD on SXX/XX/XXXX. I called it in because TD does not allow you to submit any other way. I paid my XXXX payment becasue they told me I may not be approved by XX/XX/XXXX and they would return the money if I ended up getting approved for XXXX. I've been waiting and waiting and waiting for my letter and finally called back and they said the phone rep forget to send it over to the forebearance department and they would send it over again. I should pay XXXX and they will return the XXXX and XXXX payments when I am approved. 

I don't believe them. And because they do not follow up with a message or email or letter when you apply, you have to hope they are putting it through correctly. 

I would like to confirm that this time they are processing my request, and they will return XXXX and XXXX payments to me. I do not have escrow with them, just interest and principal. 

I would also like to suggest they should be required to follow-up in writing acknowledging when they receive a request for mortgage forebearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: W&A Intermediate Co., LLC
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:
WAKEFIELD & ASSOCIATES has listed the same account twice on all 3 of my credit reports. The alleged amount owed, account number, open date and other information is all identical. Its a violation of my rights under the FCRA for the same account to be listed multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
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: Was not notified of investigation status or results

Complaint:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation