BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America placed a fraud on my account with XXXX and has yet to show hard core evidence that it was me who placed bad checks into the ATM. I have repeatedly asked them to review ATM video footage and to review whose signatures were on the endorsed checks and still nothing has happen. I even wrote the XXXX and XXXX of Bank of America and I thought it was resolved, but now nobody is responding to my letters, my requests, or my complaints. And still, I am unable to open up an account with any other bank until that has dropped off XXXX or Bank of America remove the fraud status. I even requested Bank of America to allow me to reopen an account with them, but restrict ATM deposits because I earnestly need a personal checking and savings account. I am writing because I feel like Bank of America feel that their size and status as a bank entitle them to report and to harm the lower class people because we can not afford to retain attorneys to argue for us. I hope this agency will not allow Bank of America to treat me like I am nothing and to hold them accountable for their injustice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Over the years I have begged my student loan lender, Navient, for help with repaying my loans, particularly during times when I was out of work. There was no help, all they kept telling me was that there was nothing they could do. Even if I was a few days late with a payment, I would get multiple calls throughout the day, from early in the morning to late in the evening. The calls and lack of options significantly added to my XXXX levels. I have complained repeatedly that my balance never seems to go down even though I continued to make payments. I would be transferred to different reps who most of the time seemed as if though they were just telling me anything because they could not understand it themselves. I often felt hopeless and hurt. I borrowed {$11000.00} XX/XX/XXXX and now XX/XX/XXXX my balance is still {$9600.00}. I do n't understand and from all of the conversations with customer services asking for clarity, I came to the conclusion that I was not only screwed, but that there was no one with the company that pursued resolve and was genuinely interested in helping me. Learning about this site as a resource brings me some relief and I surely hope all that is just will come out of this terrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2020 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. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-06-20
Company: American Credit Acceptance, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I TRIED TO BUY A CAR FROM XXXX RECENTLY, AND WAS TOLD I WAS APPROVED FOR XXXX XXXX XXXX. XXXX WITHOUT MY PERMISSION PULLED 11 OTHER HARD INQUIRIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY 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 2022-07-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
sears charge me for they never did was to repair air and furnace never did work but charged over {$500.00} for work never done.

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 2019-12-26
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-06-18
Company: Lendmark Financial Services
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls continue from this company, they are calling my relatives for being 3 days past due. Needs to stop. I have placed a complained before and they continue doing it. They call 5 - 7 calls per day on my phone and wife 's phone. I am making my payment each month, not on time however, never past 30 days, I asked for help before they did not do what they say they would. They just want to make sure they numbers look good that's all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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 XXXX and I didnt have a negative on my account yesterday? I deposited my sons social security check last night and wake up today to 2 over draft fees? I called the bank and they said they couldnt reverse them and once my check cleared it would bring it to a positive, so basically theyre taking the check and I stay broke?! Its not like this happens on a weekly basis and the online app reflects otherwise, my account was ok yesterday and today is not?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries from Syncb/XXXX, XXXX, & XXXX XXXX   on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

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 2021-12-14
Company: U.S. BANCORP
State: IL
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 have a credit card from US BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and US BANK with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2020-01-07
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/19, XXXX XXXX ( " Creditor '' ) ran my credit report. I notified the Creditor this was in error. 
On XX/XX/19, the Creditor researched it and sent a letter to Equifax asking them to remove the hard inquiry. The Creditor advised me this would take up to 60 days, sending me a copy of their letter ( attached as XXXX XXXX ). 
On XX/XX/19, I contacted Equifax. Equifax told me to send a copy of the Creditor 's letter, which I did ( attached as Equifax ). 
On XX/XX/19, Equifax refused to correct the error. They advised me to contact the Creditor ( if I believe it was in error ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive filed multiple complaints against usaa from their improper handling of my auto loan. Usaa is now taking action on my checking account and putting holding on funds put into my account when I have more than enough to cover the amount in the account. Usaa has taken unfair actions against me and they need to be looked into. This is just another unfair practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I WAS A VICTIM OF IDENTITY THEFT AND XXXX DATA BREACH. FOR THE PAST SEVERAL YEARS IVE BEEN HAVING ISSUES BEING AUTHENTICATED OFF AND ON. ANYWAYS I HAD SOME FRAUD ACCOUNTS BLOCKED FROM MY CREDIT REPORT AND IT SOME HOW IS STILL SHOWING UP ON THE LENDERS SIDE BUT NOT ON MY SIDE. I'VE HAD MULTILPLE FILES ISSUES ETC. IVE CALLED OVER 2 9 TIMES THE FRAUD GUY TOLD ME LAUGHING IN DISGUST AND SINCERELY APOLOGIZED. HE ADMITED IT WAS VERY COMPLICATED. BUT THATS NOT MY FAULT. I JUST WANT THIS FIXED ONCE AND FOR ALL IF POSSIBLE AND THESE ARE THE CONFIRMATION NUMBERS AND I HAVE A CASE NUMBER WHICH NO ONE CONTACTED ME BACK WITHIN 72 HRS. NEVER CALLED ME BACK. CASE NUMBER XXXX, XXXX CONFIRMATION BLOCK. I HAVE SENT A COPY OF MY ID AND SOCIAL SECURITY CARD THROUGH THE POSTAL MAIL BY NEXT DAY DELIVERY WHICH YOU SHOULD RECEIVE TODAY BY XXXXXXXX XXXX XXXX XXXX  today. PLEASE SEE ATTACHED LETTER FROM XXXX XXXX XXXX XXXX XXXX PULL IS DIFFERENT FROM MY CREDIT PULL. THANK YOU.

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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX2018 I have spoken to all three credit bureaus and was a recent victim of identity theft and have yet to have any communication with them on removing the inquiries this affect have caused me to be denied credit line increases and more Also credit bureaus have failed to update proper information on a vehicle that was paid off still reflects as if I owe on the car still

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 2020-06-18
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: Account information incorrect

Complaint:
On XX/XX/2020 I discovered inaccurate data on myself when I logged into my Experian credit agency account. In an attempt to get the data corrected I searched Experian 's password protected account logon web page for a feature that would allow me to update my data but there was not such a feature to be found. I then tried calling the various phone numbers they listed under " Contact Us '' to talk to an agent but was never given the opportunity to reach anyone. And their automated phone system did not allow me update my data myself. Once you navigate through their phone system menus the automated voice simply says " good by '' then hangs up on you. 

While logged into my account I also wanted to confirm that I had a freeze on my Experian credit rating. Yet, my Experian account window I found no notification of any kind that confirmed my credit freeze was in effect. Only by very difficult navigation through their automated phone system menus was I able to confirm that my credit freeze was in effect. 

Experian listed what looked like and contact email address or a website " XXXX '' that I could reach them at. But it turned out not to be a valid email address or website. 

I finally determined that the only way to communicate with Experian was by writing them a hand written letter and including copies of such sensitive information as my drivers license and my Social Security number. They also required very difficult information to provide such as all the addresses I resided at for many years back. 

My complaint is that Experian collects consumers ' most sensitive information, makes a profit providing this information to businesses requesting it and has tremendous influence on their customers ' financial wellbeing yet they provide extremely poor services and support to assist their customers to make sure their data is correct and managed properly. Consumers are completely at their mercy of these credit agencies like Experian with no reasonable way to communicate with them about their credit information. Since this problem affects all Americans in every state, I feel it would be appropriate for our Federal Government to impose better standards for all agencies in the credit rating industry. 

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 2020-06-18
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX we have been dealing with the financial corporation regarding the Tax Exemption of XXXX XXXX   XXXX Veteran, and within our escrow account they were to remove county taxes, we have been doing this since XXXX. Today I went online to see if the correction has been made on the account and they did put us as exempt BUT, our payment amount is still the same and has not changed they have done this to several people VETERANS and Ive been trying to fix this and have made so many phone calls and still nothing our payment remains the same when it should be almost 300.00 dollars less and its so frustrating at this point in time. Can someone help with this or get these people to there dang job right. They can not be collecting taxes from someone who is tax exempt.

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 2015-08-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please allow me to introduce myself, my name is XXXX XXXX. I have a legacy of issues with Specialized Portfolio Servicing XXXX SPS XXXX. This company is far from being a competent, fair and honest mortgage servicer. 

I have a history of the SPS miscalculating and property tax escrow funds. As a result, a local Georgia out sourced collection company XXXX XXXX has taken the negative action of placing a property lien on my property without notifying me prior. I only received a tax lien noticed from XXXX without prior communication or warning. SPS did communicated to me on this matter. 

In XXXX of 2015 I received a large check from SPS due to a miscalculation of my mortgage payments when my mortgage servicing was transferred from XXXX Mortgage. I received no interest or compensation for this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX it took out a student loan with Sallie Mae for {$21000.00} to help pay for college. At the time I thought the loan was federal but unfortunately it was a private loan. They NEVER informed me how much I would owe for the life of the loan, they NEVER informed me that I should be making payments while I was in school because they were going to add so much interest that it would triple the loan and now I currently owe {$61000.00}. I finished school in XXXX and I don't make close to {$61000.00} a year, I have three children who I raise on my own, my rent is {$1700.00}. The life of the loan would be 22 years pay off date XXXX/XXXX/XXXX if I was able to pay {$560.00} a month which I can not. If I continue on the rate reduction program which they have me in now ( payments still too much ) I would probably owe double what I owe now. Which would add more interest over the next 5-10 years. This is because when they started payment I wasn't done with school they gave me no options except for FORBEARANCE which continued to add interest on the loan. This was deceptive and unfair. They planned to do this from the beginning of the loan. I'm not sure what to do because this is affecting my life as well as my children. I also have late payments on my credit which is affecting me as well when I pay them what I can on time. The only option this give now is rate reduction program. Those payments only go towards the interest and not the principle of the loan which I'm sure I'll owe double what I owe now by the time this is over probably when I'm dead. So much for the American dream. It is more like a nightmare. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company rep. from XXXX XXXX XXXX XXXX has called every day since XX/XX/XXXX XXXX it is now XX/XX/2020. I have called and spoke to the rep. and they said its a cold calling system and it can't be avoided. have already agreed to pay {$500.00} a month due by the XXXX of each month and the payment usually gets posted a week prior to that date. every time they call no one leaves a message and I call back to see whom has called, it always a different phone number but same company. I block the number each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries from XXXX, Brclysbankde, & XXXX XXXX   on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

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 2020-05-24
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation