BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Huntington Account for my conventional RE mortgage is shown as Included in Bankruptcy with no balance shown, but it should be reporting as good payments because I reaffirmed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm tried to start building up my credit scores but then when I tried to apply for personal loans or get get new phone plans or applying for credit card etc etc but I couldn't, because apparently my odds of getting approved are very low due to some denied transactions which I have very small informations about. I'm just wondering is there any way I can fix it?

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 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm tried to start building up my credit scores but then when I tried to apply for personal loans or get get new phone plans or applying for credit card etc etc but I couldn't, because apparently my odds of getting approved are very low due to some denied transactions which I have very small informations about. I'm just wondering is there any way I can fix it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: FL
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
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:
The stuff that is on there is under not my name, the dates of opened and closed accounts are inaccurate, the amounts are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

U.S.C 1681 section 602 A. States 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 a account without my written instructions

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 2019-05-12
Company: Diversified Consultants, Inc.
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:
XX/XX/2019 after many calls from Diversified Consultants I asked if I could settle the debt and have it deleted from my credit report. The associate told me this would happen and once paid my credit report was only updated to {$0.00} and this account is still on my report. I have even called the company back and asked for copies of the call and all the manager told me was that the representative never said they would delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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: Account information incorrect

Complaint:
Experian & XXXX  are both reporting this erroneous account for XXXX XXXX -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact XXXX and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed

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 2017-02-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently applied for an unsecured personal loan for the purpose of paying off revolving debt and lowering the interest rate on an outstanding personal loan. I did the application online and was approved based on the information provided as well as information obtained from my credit report with an unsecured loan amount {$12000.00}. Once I got in touch with someone at the local level I was offered a secured loan of {$31000.00} against my XX/XX/2015 XXXX which on the resale market is only worth {$8000.00}. I did get an approval for an {$11000.00} unsecured loan, but after further review on my end I restructured the payoffs to put myself at a better financial advantage in the long term. However, after I restructured I was told that the unsecured loan with the better savings was not an option. During this process I referred a co-worker to the same company who was told that they do NOT do unsecured loans for more than {$7000.00}. There is something going on with this company. The amount of back and forth and miss-information that I was given is unacceptable. I myself am in the lending industry and know there are rules and company policies. But when I restructure a loan on my own with the same dollar amount that I was given originally and all I 'm changing is the payoffs with a higher monthly savings by more than {$100.00} and the underwriter says no that 's too risky, makes me feel like their intention is to make me default on my loan. All I did was change payoffs, that 's all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX did not fully address the concerns outlined in my prior complaint. Most specifically, they have not updated my account to reflect accurate status. Per their own documentation which was finally provided as result of my prior complaint, my forbearance was for dates XX/XX/XXXX through XX/XX/XXXX. Payments for each of these months was made in full and is documented in their system. However, the are still reporting that my account is past due ( it is not ) and are not allowing me to make online payments. My forbearance period has not ended and my mortgage payments are now current. I believe they updated my account to not accept payments in retaliation due to my complaints. If true, this is very concerning and unethical. 

I have provided screenshots printed today, XX/XX/XXXX as evidence of : 1 ) their receipt of each of my mortgage payments 2 ) Their block on my account that will not allow paymets to be made online. 
3 ) Their inaccurate reporting that my account is 30 days past due For reference, documentation will show full mortgage payments were paid and posted as outlined ( which brings my account completely current ) : - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX on XX/XX/XXXX ( XXXX separate payments paid/posted on same date ) - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX ( two separate payments posted/paid on same date ) - XX/XX/XXXX payment made on XX/XX/XXXX, not yet received/posted by 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 2017-02-28
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
AmSher Collections At around XXXX Pacific XXXX XXXX, 2017, I spoke with XXXX in the XXXX section, ID # XXXX. He told me it would take 15-30 days after payment for it to be marked as paid on my credit report. I requested a receipt after giving my credit card number and agreed to pay my debt. I also gave him my new mailing address. He stated it should take 5-7 business days for me to receive written confirmation of payment from AmSher. 

By XXXX XXXX, I had not received any receipt but had the payment to AmSher listed on my credit card statement. At around XXXX Pacific on XXXX XXXX, 2017, I spoke with XXXX and then his manager, XXXX XXXX. XXXX told me that " the letter was n't generated. '' I asked if a letter was sent out at all. " No, ma'am. '' He confirmed my new address. I asked if this was a widespread issue where AmSher does n't send out receipts. XXXX said no. He said he would escalate the issue to XXXX XXXX, Director of Operations, and the compliance officer. He also required an email where I could provide permission to contact me via email before he could send a receipt via email. 

I would like to file a complaint stating that the debt collection agency did not send a receipt for my payment, even after my request, and made me send a letter allowing permission to contact me via email before sending me anything via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: DC
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:
I am having no success with reducing Navient student loan repayment. Since XX/XX/2015 I have sought help on the basis of Financial Hardship of which constantly I get aggressive collection practices by Navient. I no longer receive XXXX income sources and that has been in effect for over 2 years. My income is SS only of which that amount is {$810.00} per month. Navient has aggressively stated they have provided help to me of which I still have to pay the full amount of {$180.00} per month. This is not the only liability that I pay into causing me to be over-extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have obtained a recent copy of my credit report and discovered it contains inaccurate or otherwise questionably reported injurious information or derogatoriness elsewise

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, transunion and XXXX  are reporting false information. 

The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX XXXX  XXXX with a XXXX balance.

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 2017-03-04
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had numerous issues with Navient ( XXXX ) from the start. From endless fees, to obnoxious harassing phone calls, extremely high interest rates, the list goes on and on. The representatives at Navient are disorganized and super hard to deal/work with. They are an extremely corrupt company! I always have problems with them making mistakes on my loan payments. They tried to withdraw even more money from my bank account that I had authorized and put my account in the negative. So many problems with Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Thursday XXXX XXXX, I was refused by three Bank of America employees at their XXXX Branch my requests to open accounts - checking - savings - credit - debit - for the following : XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both c/o XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
Previously, On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, and I am listed in the alumni directory as simply priest. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 
These requests for Special Deposit checking and saving and credit cards was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, known as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.

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 2020-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have obtained a recent copy of my credit report and discovered it contains inaccurate or otherwise questionably reported injurious information or derogatoriness elsewise

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 2022-09-06
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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 following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Amount- {$6000.00} XXXX. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} XXXX. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- {$4300.00} XXXX. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} XXXX. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires XXXX. XXXXXXXX XXXX- Inquiry date- XX/XX/XXXX XXXX XXXX- Inquiry Date- XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Novad Management Consulting LLC
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: Account information incorrect

Complaint:
I called on XX/XX/15 to ask why my reverse mortgage balance of {$97000.00}, on a house appraised for {$170000.00}, has a XXXX from XXXX  XXXX XXXX and HUD for {$250000.00} each? 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 my vehicle was broken into and a thief stole many contents including my credit and debit cards. I reported this instance right away for the fraudulent charges with the inclusion of a police report and confirmation of merchants who I did not shop with. The amounts are shown below, and the case has been re-opened since XX/XX/2021, but not further investigation, confirmation, or communication is present. Each time the company of Bank of America is called, there is no record of previous conversations of claim officers. 

{$400.00} {$220.00} {$210.00} {$250.00} {$52.00} {$99.00} {$51.00}

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 monetary relief
Consumer complaint received 2022-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Debt collection agency Portfolio Recovery has been repeatedly calling my work phone from different numbers throughout the day about a debt that I have no knowledge of! I have checked my credit report and do not see a debt from this agency and also have not received a letter in the mail regarding the debt amount they are calling about.

Company response to consumer: Closed with non-monetary relief