BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I am XXXX in the Texas XXXX XXXX and not on XXXX XXXX orders but I do actively XXXX every month. I took out an installment loan from Sunbelt Credit for about {$1000.00} in XXXX XXXX. I paid my loan off early in XXXX XXXX. I just called to apply for a new loan. With the exception of my promotion XXXX and the dates of XXXX loan applications, everything else about the old and new loans are the same. Same amount, interest, payment plan, status in the XXXX XXXX, etc. Only this time, Sunbelt Credit ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) denied me credit, stating they no longer allow military to receive loans because of the new Military Lending Act. How is it that an Act meant to protect service members from outrageous interest rates is actually preventing service members from getting loans, even if the service member can afford the loan? I 'm not XXXX XXXX, I 'm not on XXXX XXXX orders, but because I 'm affiliated with the XXXX XXXX, I feel I 'm being discriminated against due to my service in the military. What are my rights? If Sunbelt Credit violated my rights, what actions can I take?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: MOHELA
State: MA
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:
I believe I am currently eligible for Public Service Loan Forgiveness ( PSLF ) under the limited waiver. I have submitted multiple ECF forms and PSLF applications, including in XXXX, XXXX, and XX/XX/XXXX. I am trying to understand what my current payment count is. I consolidated my federal direct loans in XX/XX/XXXX and my account was transferred from XXXX  to MOHELA. Since that time, MOHELA has failed to give me payment count that includes any of my work from XXXX XXXX. I have been employed continuously by either the state or federal government in qualifying loan forgiveness programs since XXXX ( which both XXXX AND MOHELA have confirmed ) and yet I have NO payment count and NO estimated forgiveness date. 

Can I please have someone who knows what they are doing call me and tell me : What is my current payment count, from XXXX to the present? This should not be hard. I have worked for either the state or federal government my entire legal career and submitted my ECF forms dutifully at least annually. Please do the bare minimum and get MOHELA to process my payment information from either the Department of Ed or XXXX. I believe I am currently eligible for forgiveness and they are deliberately delaying processing my forms so as to avoid having to give me the PSLF forgiveness I am eligible for under the waiver. It's been so long and the delays and excuses are exhausting. Please get MOHELA to do their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$640.00} XXXX Late Dates XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXXLate/Closed Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2015-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a Condo in XXXX in XXXX the mortgage was for {$1400.00} monthly with an XXXX fee of {$380.00} I made all payments on time til XXXX when the market dropped and property values plummeted, I tried to do a loan modification with Bank of America which they declined, I asked them to take back the property or foreclose, I moved to XXXX waited XXXX no foreclosure I called to inquire about a short sale a deed in leu or a mortgage release. I was told to do any of them I would have to try another modification I tried and was denied again, I waited another year still no foreclosure, I then called and asked when would they be foreclosing on the property and was told XXXX months or so, due to other credit issues I filed for bankruptcy in XXXX included the property and was relieved of the mortgage debt, but since the property has not been foreclosed yet to this present dated the HOA fees are no longer {$380.00} they 've gone up over the years to {$510.00} and I am liable for every single fee since the bankruptcy settlement. The bank refuses to accept a short sale and continues to reset the clock on the foreclosure process, this has been ongoing since XXXX I am unable to get a mortgage, credit card, car loan, anything having to do with credit because I keep getting judgements against me for the HOA fees as of last month they are stating I owe {$17000.00} and they ad {$510.00} every month after. I have done everything the bank has asked of me for the past XXXX years sent all the paperwork that they have requested of me and still to this day there seems to be no end or resolution to this situation. I 've spoken with over XXXX people at Bank of America and anytime it seems I 'm getting somewhere with someone they change my account specialist on me and make me start all over, I have XXXX children to take care of and its difficult trying to move on with my life when someone could continue to get {$510.00} monthly for a property I do n't live in and that a bank refuses to foreclose on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: REGIONS FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Thursday, XX/XX/XXXX I cashed my fiancs paycheck via my banks mobile deposit option on the Regions app. I have done this dozens of times in the past with no problems. On Friday I received a email that the funds were out on hold and would not be released until XX/XX/XXXX. I called them and asked for explanation which they couldnt give me. I asked them to cancel the transaction and they said the couldn't. I was told by the customer service representative I could try to cash the check elsewhere and that would ultimately cancel out this first transaction. So I went to XXXX XXXX, my fiancs employers bank, the bank that was printed on the check and they told me they could not cash the check because it had already been cashed. I then spoke with the payroll accountant at his workplace and she said the check was completely cashed. But regions keeps telling me its still pending. I spoke to another customer service representative who told me my funds would be held through XX/XX/XXXX, but now its the XXXX and theyre still being held so that was no true. I received another email stating the funds are being held until XX/XX/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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
There is information on my credit report that is result of identity theft. I did not provided written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

date open is XX/XX/2014 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 2019-08-19
Company: Colony Brands, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  flagged my credit report for a debt that is not mine. This account shows up on my credit report as flagged and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was hospitalized until XX/XX/XXXX. XXXX XXXX XXXX was the XXXX  attending and saved my life he sent a bill in XXXX while i was still in t5he hospital. I was discharged on XX/XX/XXXX from hospital. On XXXX I called his office to send a gift basket they never informed me I had a bill outstanding and put me in collections. I never received a bill if I had I would have paid and not given him a review that went viral nor spent XXXX on a gift basket. I want a complete deletion bullseye from my account on XXXX and an apology from the drs office in writing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They offer me Load that were crazy First Loan offer would be paid off when I was XXXX Second loan offered was 20 years then a ballon payoff of {$75000.00} when i was XXXX Plus in 2014 Ocwen agree on a settlement of XXXX XXXX that the company to pay penalties as well as undislosed financial relief to borrowers which i never seen a XXXX of

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 2016-09-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
a few years ago, I over-drafted in my account pretty bad. I owed XXXX dollars in XXXX dollar over draft fees because, my bank account online would tell me all of my purchases, but sometimes they would disappear leaving me to believe I had more money than I actually had. Then when I would spend that money, a few dollar at a time the original purchase would pop up again and would make my account go in to the negatives. And then I would get all of the over draft fees. Could that be bad on my banks side?

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 2020-03-24
Company: EQUIFAX, 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:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This attorney representing Capital One sued me at an address where I no longer live. The venue of the lawsuit was in XXXX, California about 30 miles from where the lawsuit was served where lived five years ago ( XXXX XXXX ). The summons and complaint was then mailed to that address which was forwarded to a relative 's address. No one was personally served. I only found out about the lawsuit by looking up the case on the court website. Thankfully I filed an answer in time even though I don't even live in the country any more and I am traveling a lot. This lawsuit should have never been considered properly served and the venue is incorrect as it's not even close to where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: AR
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:
Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Equifax has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Equifax failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Equifax has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Equifax should be held accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
Upon checking my credit report I noticed that there are two accounts from XXXX XXXX with two different account numbers being report on credit report. Account # XXXX and Account # XXXX*.I only have one account with XXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

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 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
An international transfer ( XXXX to XXXX ) took place ( XXXX XXXX, 2016 ) resulting in a {$4900.00} deficit in the amount deposited. Our XXXX lawyers said that there would be a $ XXXX bank charge and nothing more. XXXX XXXX XXXX XXXX said there would be no fee. 

When I asked my XXXX bank, XXXX XXXX XXXX XXXX, they said, first, they could not see what the exchange rate was ; then they said the transaction went through Bank of America and they would try to find something out but that it would be unlikely that they would get a response. I asked to speak to their compliance officer. She was out, but the gentleman from the accounting dept., then called me later with an update saying that I should file the complaint and that he had the incoming wire detail and that he would send that to customer service agent at my local branch, but that there was nothing new/more they could tell me. During my call with the gentleman from the accounting dept at XXXX, shared with me that it looked like the exchange rate applied was XXXX. I asked him if that was the correct way to apply the exchange rate and he said he did not wish to get involved. He was helpful and it was obvious that he was very nervous about making a mistake.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is for a collection account on my Transunion credit report. The account showing is XXXX XXXX XXXX. Listed XX/XX/2019. It has them as a lender. I have not taken out any loan or account with this company. For my report it does not show any account number just X 's and the amount showing is {$1.00}. 

I have contacted this company on several occasions and not able to get an resolution. I have spoken with customer service and fraud departments. Either some representatives are not able to either verify me ( which would make sense ), and others pick up info regarding an entirely different person. Provided address and that is not what they have on file for any account. 
I have asked for detailed information to be sent regarding account to me but they have yet to do so. Some stating since they are not able to verify then they can send. I notified them if that is the case how you are reporting something to the credit companies? This collection account is false, erroneous and fraudulent. 
Is it not true that a company has to notify a customer before placing items on a credit report. I never received any notification. This account is fraudulent, and has negatively impacted my credit and personal life for years. Please remove this account from my Transunion report and as well any information regarding 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 non-monetary relief
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: MD
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:
There are many mistakes appear in my report without my understanding.

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 2016-11-17
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I applied for autopay on XXXX/XXXX/16 with Navient for my XXXX loan. Despite the fact they have all the information from previous manual payments, they rejected my application ( thereby continuing to charge me an extra .25 % interest ). I called XXXX/XXXX/16 to complain about my manual payment pushing autopay back to XXXX/XXXX/16. After 20 minutes on hold, I was told my due date would be XXXX/XXXX/16, and autopay would apply for that date. I did not get the customer service person 's name. After that call, I received a letter rejecting my autopay dated XXXX/XXXX/16. Today, after seeing the letter, I called and spoke to XXXX in customer service, who told me he does n't know why my autopay did not go through. He suggested an error in the routing number, or names on the account, both of which were correct on the application, but he thought the new application, with the exact same information would. I have no faith, and I want a refund for the extra interest I 'm paying due to their screwup. I also believe this process should not take 10 days, with no confirmation and no way of checking the progress via the website. It 's ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
CapitalOne has repeatedly refused to allow my card from 2005 to remain open, its since gone inactive after I REPEATEDLY requested they send me my card. They asked for proof of address along with ID. I HAVE SENT IN ALL. THEY WILL NOT HELP AT ALL

Company response to consumer: Closed with explanation