BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
12 CFR 1005.17 a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service Ever since opening my account in XXXX Associated Bank has XXXX XXXX $ in fees in regards to ATM and Overdraft Fees. They have charged OD fees from ATM transactions and one time debit transactions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Frontgate has reported late payments in XX/XX/2020, when the account was not late. I have supplied information regarding this and still they have not made the change

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: LendingPoint Holdings LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Lending Point adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Lending Point, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN CAUSING DAMAGE TO MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVE AND BLOCKED OFF MY CREDIT FILE. THOSE ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE REPORTING INACCURATELY ON MY REPORT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT REPORT. KEEP IN MIND THOSE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Avant/WebBank adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Avant/WebBank, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The have had an incorrect Deed - and have been sending me correspondence for 6 years with my Ex Wifes name on it even though she is no longer on the deed or mortgage. Ice send numerous emails over the past few years. Hours upon hours of my time over numerous occasions.. I have emails to support this - no one ever helped Id speak to someone and then nothing would change.. I called again and again and again - 6 years. 
We got a forbearance and Im XXXX were sent documents for a partial claim to resume our mortgage payments. The ex wifes name still on there - I called at least five times since then to fix this - being promised every time it would get resolved. I always call back because I never hear back from them. They didnt fix the problem in time for the partial claim window and now Ive received foreclosure papers for the end of the month. I dont know what else to do. They dont seem to be able to fix the problem and Ive had multiple people not know how to read a deed including supervisors. Please help

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 2019-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
- On XX/XX/2019 I sent a wire ( from the branch with teller rather than via internet banking ) from my 100 % owned company 's bank account at XXXX to my personal account at Bank Of America. 

- Bank of America froze the funds ( without even consulting me ) due to my incoming wire from XXXX that was apparently 'confirmed fraud '. 

- I contacted Bank of America to let them know the wire wasn't fraud as it was in fact sent by me from my corporate account at another bank. 

- Bank of American requested I take a notorized copy of the wire transfer receipt into a Bank of America Financial Centre ( copy attached ). I took the notorized copy in to a bank of America Financial Centre on XX/XX/2019 and was accepted by Mr. XXXX XXXX ( Tel : XXXX XXXX XXXX ) or email XXXX - I have also followed up with XXXX who have sent two confirmations to Bank of American via XXXX XXXX XXXX XXXX the Intermediary Bank ) to confirm the wire is in fact good. 

- I have called Bank of America every other day for the last month inquiring as to what has happened to my funds but have been told that nothing can be done as the wire is 'confirmed fraud '. 

- I am at a complete loss as to what to do as I have concrete proof that the wire is not fraudulent and XXXX have confirmed that the wire is good however Bank of America will not provide me with any avenue to prove this or even permit any email correspondence or phone contact with the 'Hold Harmless ' group. 

- My contact at XXXX is XXXX XXXX ( XXXX ) - I really want to avoid getting legal counsel involved as Bank of America will drain my resources to the point where I lose everything anyway. Please HELP!!!!

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 2022-04-05
Company: Experian Information Solutions Inc.
State: MD
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Afni collection agency is asking for  XXXX  dollars for a  XXXX  account I have no information about or anything contact information to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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 am a victim of identity theft, I did not give consent for the loan from XXXX XXXX that was given to a company called XXXX  to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing 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 explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have deferred my loans multiple times to see help with repayment options.
I was lied to when signing up for my repayment plan by my loan service provider. I was told that a graduated repayment plan charged me a fixed monthly amount after my first 2 years. My payments were originally XXXX for my first 2 years. I expected them to rise after my initial 2 years, and they did rise to XXXX But, what Navient neglected to tell me, was that my payments would continue to rise every 2 years until the max out around $ XXXX/month. They also did not mention that my {$26000.00} loan would approx. end up costing me {$46000.00} by the time my " repayment '' plan is complete.
<P/>
I would have never signed up for this plan had I known. I ca n't afford their schemes and lies. I am going to have to consolidate in order to gain some control over my debt and repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Atlantic Credit & Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My husband received crepeated calls today   X/X/17  from a lady that stated she was a debt collector and wanted to know if my husband 's wife ( being myself ) was embarrassed about a credit card debt that I have received no notifI cation about. They have not contacted m e until today when my husband tells them to contact me. I asked what this was for and for what charges. The lady responded with " our computers are down so I ca n't see the charges ''. I then asked that documentation be mailed to me personally and the response I received was that she could email me ( which I still have n't received ) I want this harassment to stop.

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 2021-04-07
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: Account status incorrect

Complaint:
XXXX XXXX XXXX should not be reporting to XXXX XXXX Experian and XXXX  lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, XXXX  ; Experian XXXX XXXX are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2022-09-14
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They keep calling me and I call back and no one picks up. I am not sure why they are calling or for what reason. Have not received any written communication or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
An inquiry for Synchrony XXXX is showing on my credit report. I disputed the inquiry and requested they remove it. They wrote back that the information from the application matches the credit bureau they will not remove it. They provided a telephone number of XXXX to call if I had questions. On XX/XX/22 at XXXX I spoke with XXXX at that number. I provided my social security number and she was unable to locate ANY information. 

I am requesting that Synchorny XXXX remove this inquiry from my 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 2017-06-23
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX, 2017 at about XXXX EDT, I received a call at my ( listed ) phone number from this company asking for someone else. The caller told me the company name, which is revealed by a cursory internet search to be a debt collector. So, this debt collector has told me that a named third party owes a debt. A quick reverse lookup of my number would have showed them I 'm not the person they 're looking for.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Navy Federal 's preliminary closing statement shows an appraisal fee of {$620.00}. I paid the {$620.00} to Navy. However, upon review of the appraisal the cost was only {$350.00}.
<P/>
Navy violated the law by over stating the preliminary closing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately. 

XXXX XXXX  This account being on my report is an invasion of my privacy as the consumer. You were not present and have no firsthand knowledge of what took place. You have been unfair and partial as it relates to my information. You are currently in violation of your grave responsibilities. 

In additional to the facts stated above, any approval or specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from my 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 2021-10-30
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is in violation of several FDCPA laws. I sent a validation debt letter and also a cease and desist to this company. this company is reporting false and inaccurate information on my credit report. the information that this company is reporting is unverifiable and inaccurate. I demand this company to stop reporting this inaccurate and false information on my credit file and to cease all forms of communication with me through any and all mediums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation