BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an account, on XX/XX/XXXX. There were checks ordered, for the account. I should have been billed, for the product, in the first few days, like, by XX/XX/XXXX. The company creating the checks, did n't bill me until XX/XX/XXXX. They did so by check. I never wrote a check. Also, apparently, they have the practice of waiting to bill the customer, until they have produced the checks ( which I claim, is a faulty billing process ). That 's XXXX XXXX. The bank is Bank of Hawaii. The bank charged me XXXX, for the first bounced check, a billing I did n't receive, until 14 days after ordering ; which, itself, is not good practice ; I expect to be billed, when I received the order. I never received any billing statement, or notice of actual cost of the check book, because the account-opening portion of the application ( boh application, ipad ) never stated how much I owed. 

The XXXX XXXX company, bounced XXXX check, for {$13.00}, three times, in the account. They only did that, I assume, because of some protected relationship with Bank of Hawaii. I assume, that an ordinary organization, can not thrice bounce, XXXX check, in an account. So. That leads to the question, why the long billing cycle, instead of a timely one. So. The thrice bounced checks are the fault of the Bank of Hawaii, because of permissions, granted by them, to XXXX of their contracted affiliates. So. I 'm willing to pay XXXX fee of {$26.00}, but not XXXX. The manager comes back with - via the car sales teller, apparently - that he 's willing to remove XXXX overdraft fee, ( so its ok, for a company to double bounce unwritten checks, instead of cancelling an unpaid-for order ). 

In addition, there were {$10.00} per week XXXX balance fees. I get paid once per month, on the first. At the time of XX/XX/XXXX, I was willing to pay {$26.00}, only. But the charge at that time was like {$90.00}. I had my ipad stolen, at the same time, and my debit cards were stolen. I was unable to access my bank account, at the time, to sort out the charges. I would have paid the {$26.00}, but not the {$90.00}. I am requesting to pay nothing more, than the ( XXXX ) bounced check fee, ( ~? ) {$13.00}, for the cost of the checks, and any XXXX $ balance fees that happened, before XX/XX/XXXX. 

In other words. The additional XXXX overdraft fees, are the fault of Bank of Hawaii, and were not authorized by me ; and, I deserve time, to be able to talk about it. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
Company: Maximus Education, LLC dba Aidvantage
State: MN
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:
When I applied for student loans I was going to school for a art degree in graphic design. It was a struggle getting in contact with my financial aid counselor and information was not clearly explained about how this loan would affect me pursuing a degree that pays a college grad starting out XXXX - XXXX a year. Signing up for federal and private loans is the worst thing I have ever done. Ive been in forbearance for two years and I have no idea how Im ever going to pay my loans back. I pray every day that they are forgiven. Between the cost of living and the amount Im scheduled to pay ( at one point the amount owed was XXXX ) while working it seems impossible. In XXXX of 2019 I had XXXX in unpaid principal and XXXX. Please make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX   XXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}

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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent some letters out with an FTC report to XXXX and Transunion about some inquiries and a collection on my credit report that are not accurate and are not mine. I never received any responses from anybody. This is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im disputing the XXXX XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 

XXXX XXXX XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00}

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 2020-01-09
Company: LendingPoint Holdings LLC
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: Account status incorrect

Complaint:
LendingPoint ruined my credit which has caused me great financial harm because they have refused to correct my credit report after they offered me a Loan Forgiveness of $ XXXX after I made a large payment and they reported it as a debt settlement and now they are reporting me as over 60 days late. I was unable to do a refinance on my own because my score plunged over 100 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On  XXXX   XXXX     2016 I  called century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.

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 2020-08-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted a complaint to you in XX/XX/2020 regarding Rushmore Loan Management - # XXXX. They are now in violation of the CARES act which provides mortgage holders with USDA backed loans the right to request a 6-12 month forbearance in order to avoid foreclosure. We were granted a 6 month forbearance ( see the response to the complaint ) but the company states we still owe for XX/XX/2020 ( the request for the forbearance was made in XX/XX/2020 and the forbearance is immediate - refer to : www.rd.usda.gov/sites/default/files/USDA_RD_SA_COVID19.  ) They are also saying that no matter what the USDA & the CARES Act says, we will owe all of the past payments in one lump sum at  the end of the 6 months forbearance. We need assistance in ensuring that this company is held accountable to what is mandated by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 HAVE CONTACTED XXXX 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.

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 2020-01-09
Company: Experian Information Solutions Inc.
State: LA
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 send the letter on XX/XX/2019 to experian about Identity Theft and i enclosed the police report detailing the investigation with the process

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 2020-08-13
Company: EQUIFAX, INC.
State: TX
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:
Im disputing the XXXX XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 

XXXX XXXX XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to call XXXX for two weeks with regards to an account that is listed on my consumer report. I have asked them to validate the account and verify the information on the account. They will not send documentation to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
For several years, a charge off has appeared on all of my credit reports concerning an item from a company called XXXX XXXX. I purchased an item for my mother, a few years ago and it came to her damaged.I told XXXX XXXX about this and no action was taken.I made several requests to have this matter removed off my credit report and all the major credit bureaus have declined to remove the info. In XXXX of last year, I initiated an arbitration action, as per the original contract 's relief clause.XXXX refused to pay its fees, as per the contract. I believe this action makes the entire contract null and void.I want this matter removed from my credit reports immediately.

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 2022-01-30
Company: CARD Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account was opened by fraud. 
I got the new debit card from card.com in my mail on XXXX XX/XX/2022. 
Debit card was issued in collaboration with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I had a Court name change on XX/XX/2016. On XX/XX/2016 I tried to get a car loan and was informed that my credit was locked by EQUIFAX. I made a call to Equifax, the reason was my name did not match my XXXX. I faxed the required Documents requested, and was told XXXX to XXXX hours. on XX/XX/2016 credit still locked, refaxed. Finally on XX/XX/2016 I called again ( XXXX call ) They had received my documents, and updated my new name as I waited on the phone. THEN IWAS TOLD IT MAY TAKE UP TO XXXX DAY TO UPDATE IN THE SYSTEM. In this age this is not right. 
I am now XXXX week with out a car, and still waiting, because of Equifax. 
NOTE : XXXX and Experian already show my name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Alorica Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Systems & Services Technologies Inc. ( SST ) bought XXXX XXXX   loan accounts as XXXX XXXX where no longer allowed give military personnel loans. SST quickly renamed XXXX XXXX to SST XXXX XXXX. There was no transitions nor was the existing customer notified properly. This created a deliberate miss payment as part of XXXX XXXX loan model was ACH withdraw only in order to get a loan with them. By doing this, they generated massive amounts of late payments for the loans they hold. This gave SST the right to charge {$25.00} a day late fee 's to every account until paid in full, then they added {$25.00} web service fee and late charge for that. Once an account gets below a certain threshold they generate more late fees and misc charges to bring it back to prior threshold.

Example if I paid an account down to {$2700.00} only to be told I owed {$3100.00} cause of late fees I once paid off. When I contacted the service rep I was told to deal with it and there was nothing I can do but pay the fees, then my credit score drops 80 points a day after that call cause now I was 30 days late again and I never knew I was late in for the place. This company has been getting away with predatory conduct to the accounts they hold and further research shows they are illegally harassing other people with closed accounts, to even to go as far hurting other people credit lines with false calms they still owe money when accounts with the old XXXX company have been paid in full years prior to the loan buy outs. During current time and pandemic this company has ramped up its money generation with fake late charges and clams to scare people into paying them in order to not lose credit score placing or face fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I applied for a mortgage loan through Bank of America for the purchase of a home. I was approved and the rate was locked. In order to close the escrow, I had to liquidate large amount of investment in a brokerage account. One day before the settlement date, I was instructed to wire the funds to the escrow company and the arrangement was being made to proceed. Then the bank informed me that the loan is not being approved because they determined that I had a second home and I would have to pay a higher rate. I had a second home but it was going to be converted into an investment property and the newly purchased home would become a second home. However, this was all known by the bank from the beginning of the process as everything was disclosed on the application. As a result, I could n't proceed with the purchase and suffered a significant damage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The facility XXXX XXXX XXXX XXXX XXXX failed to send me an initial bill and then after several months sent me a notice PAST DUE 90+ days. The remaining part after the insurance was {$11.00}, I paid it immediately upon receiving notice. I have a copy of the front and back of the check clearing my account on XX/XX/XXXX. The facility continues to send notices to collect payment. I have spoken with the billing department. On a separate instance I spoke with an office manager and explained I paid this already. Now more than a year after the date of services XX/XX/XXXX I 'm getting a notice from a collection agency HSI Financial services to collect on a debt that was already paid. I ca n't remember that far back, but thank God I kept organized records otherwise we would probably have a different outcome. This feels like harassment, I have spent hours going back and forth explaining this was paid. This is only {$11.00} but for others where the bill is higher this seems unfair and unnecessary stress! I have provided copies of the cleared check. I have done my part they need to update their records and stop sending me notices to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital Bank is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. Capital One is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA Date Updated : XX/XX/XXXX INQUIRIES XXXX  XX/XX/XXXX XXXX XXXX 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 non-monetary relief