BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX  which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX XXXX Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX  which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.

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 2017-09-26
Company: Experian Information Solutions Inc.
State: MN
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:
My identity was stolen last XXXX and several credit cards were opened and successfully had charges on them ( not very much, but enough ). These fraudulent accounts were caught quite quickly and closed. My credit score was XXXX prior to the fraudulent activity. After, it was XXXX. One year later, it has not recovered at all despite the information being " wiped '' from my credit report. Experian is stating there is nothing that can be done. They are stating that I should be contacting the companies I do business with like XXXX XXXX, who are providing a free FICO score as a benefit through my card. XXXX XXXX is stating that I need to contact Experian. I am stuck in a vacuum, with no way out and no hope of a better score. I am paying more on things like car insurance because of this nightmare.

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 2017-07-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out student loans over the period of XXXX - XXXX going just XXXX in debt. In an attempt to get on my feet after graduation, I deferred my loans for a period of time. I made intermittent payments and somewhere along the way lost track. I was contacted by debt consolidation company and they said i could enter a repayment program. I did and when i finished that, put back in contact with XXXX XXXX navient and learned that my dept was over 80,000 now. I made attempts to reconcile as fast as possible but experienced delays. I asked for extensions of payments and they told me that the only was through forbearance, which did not always agree to. They fooled me and I believe manipulated my conversations. I did not agree to their terms and now my payments have gone from {$540.00} to more than 800.00. This is not fair and they will not speak to me to make exceptions. the payments keep going up. I get harassing phone calls and this is not comfortable.My balance is now {$83000.00} and there is nothing i know to do but seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Bread Financial Holdings, Inc.
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Fay Servicing, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a commercial loan that is being serviced now by Fay Servicing LLC. They have incorrectly increased my escrow amount by {$300.00} a month as a result of being unable to read an insurance policy. I communicated with them on XX/XX/XXXX and they told me they were going to fix it after I read the policy to them. However, it is still not fixed. 

For another loan they did not pay the insurance timely and the insurance would have been canceled if not for our efforts and loaning them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Public record information inaccurate

Complaint:
TIME LINE : XX/XX/XXXX I wrote to the credit bureau after the company that I was trying to secure a home loan with notified me that it couldn't be approved. There was no reason for this. Well, I suggested that he send me a copy of the credit report immediately.

XX/XX/XXXX : I received a copy of my credit report and public record search from their company. This is when I saw all the inaccurate information specifically the ( bankruptcy even though the judge dismissed the bankruptcy because of the fraudulent accounts included ) Those accounts are : -XXXX  XXXX XXXX ( note I was involved in the Equifax and XXXX XXXX data breach which exposed my information to criminals ) -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 I FILLED A CLAIM WITH THE FEDERAL TRADE COMISSION AND LOCAL POLICE ABOUT THE THEFT AND THE MISUSE OF MY NAME. 

I have contacted the XXXX courts and they have stated to me that they did not provide these agencies with this information therefore you have had more than enough time to prove this as accurate information from the courts and they have stated that they have not provided this information. Where are you getting this inaccurate information fro? I believe that this is an error and all Bankruptcy notes and bankruptcy should be blocked immediately. Attached you will see the laws that protect my consumer rights and it will be recorded with the consumer finance if you don't govern your agency by the law. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or law suit. Bottom line, You knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. NO AGENT WAS PROVIDED WITH THIS INFORMATION FROM THE COURTS yet your reporting it as accurate verified information. Someone owes me an apology or money for damages this is causing. 

XXXX XXXX The bankruptcy notes are still on my file inspite of me notifying you of the inaccurate information. I've done everything correctly as far as notifying you and giving enough time for a response and update stating the corrections being made to my file. I believe according to the fair credit reporting act I have a right to have only accurate information reporting or you violate my consumer rights. and I have already been included in the Equifax law suit. This information is public and you can type my name in and see if for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
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/2019 my master card from CITI bank was charge {$380.00} and {$350.00} unauthorized purchases. I contacted the citi credit card, they cancelled my card and sent me a new card. However, later I was recharged {$380.00} and {$350.00} by Citi again in my XXXX bill. I called them to dispute the charge but they said since the card was in my possession while the fraudulent happened I am responsible for those fraudulent transactions. I disagreed with them but the representative told me there is nothing she can do and told me that I have to pay the transactions.

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 2017-07-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This bank is run by a bunch of XXXX. I opened this account back in XX/XX/XXXXand was supposed to receive an account opening bonus. I met all the requirements for that bonus way back and this lousy bank has not credited me that bonus. Every time I call these lying XXXX, they blame the previous agent for not doing the job properly and tell me some more lies that they have done it right and my issue will be resolved within a certain amount of days. Of course nothing happens and I call back and the whole thing repeats itself. May be filing this complaint will get these XXXX  to do the right thing. Please keep this complaint on their public record. Here are some of the case numbers I was given by these lying XXXX.. and each one of this call means an hour wasted listening to their repeated lies XXXX from XX/XX/XXXXThere was another really arrogant supervisor in XX/XX/XXXXwho said the bonus will be there by XX/XX/XXXXsomething and that I was bothering them for no reason. Ref XXXX from XX/XX/XXXX, wasted more than an hour and no results Ref XXXX from XX/XX/XXXX. Another hour wasted with XXXX XXXX. I have many more of these XXXX case numbers these XXXX gave me but I do n't want to waste any more time putting it together for them. <P/>Will you please shut this lying piece of XXXX bank? <P/>thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is the third investigation I've contacted the CFPB about regarding this issue. XXXX XXXX has listed me as having a late payment ( s ) when I have never been late on any payment. The error is fixed after submitting a complaint with documentation to support my claim and then the next month the late payment ( s ) reappears again.

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 2022-04-29
Company: American Coradius International LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Coradius international sent me a letter about owing {$1100.00} to XXXX. My XXXX account has no negative balance, and its likely someone opened an account in my name. XXXX agreed that my account is not in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MO
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 submitted a dispute online XX/XX/2022 with Equifax for the accounts listed below for inaccurate and incomplete information being reported on my credit report : XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX The investigation was supposed to be completed by XX/XX/2022 but I haven't heard back from Equifax. I sent a follow-up certified letter on XX/XX/2022 requesting for deletion of the accounts due to the none response of the investigation passing the 30 days. I have not heard back from Equifax as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX/XXXX/2017 I went to a Chase ATM to deposit {$2000.00} in cash. The ATM ate/took my deposit and broke down on my transaction and did not give me my money back ( I have a receipt proving the ATM broke on my transaction as well ). I immediately called Chase and told them about the issue. Chase opened a claim and after a month of investigating they decided to only give me back {$430.00} from the {$2000.00} deposited. That means they took {$1500.00} and refuse to give it back. I was assigned to speak with XXXX at the Executive office, the phone number is XXXX extension XXXX ( XXXX XXXX. XXXX was very unhelpful and did not follow up with me once. It seemed like she was just waiting to close the case without properly investigating the issue. I would appreciate assistance in recovering my lost {$1500.00}. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. 
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 
Thank you for your cooperation, 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 2022-08-13
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an 0 % APR credit card account with Bank of the West just to stop them from sending me invitations in the mail and decided to use the card later on. Since I thought I was getting 0 % APR for first XXXX months for purchases I decided to set the auto payment to minimum amount when I was checking when should I update auto payment to full balance this morning I realized I was getting charged interest. I tried resolving this with the bank 's call center but although the rep was trying his best, were not able to help me. I've never paid interest on my credit card purchases in my entire life and this is something really annoying for me. 

Interest Charges : XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 2022-04-29
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 to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

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 2017-07-03
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX/XXXX/XXXX Dear CFPB : My Name is XXXX XXXX I am following up with my complaint to Case # XXXX XXXX. I would like to explain why I am dissatisfied with the results before the case was closed. Although the representative of XXXX XXXX XXXX XXXXXXXX Synovus Bank XXXX XXXX XXXX did state in her correspondence that there would be some compensation of a refund to me of {$36.00} for one overdraft fee, I have not received any refund from the Merchant to date. In my complaint the fees of {$320.00} were not justified by Overdraft Privilege Standard Program as stated by XXXX XXXX. These fees are excessive and violates the UDAAP. Year to date I had been charged XXXX. Please see the back side of the XX/XX/XXXX statement. Please also notice on the XX/XX/XXXXstatement it is an Employee Checking and on the XX/XX/XXXX statement it was changed to an Access Checking. I did not notice anywhere on any of the copies, front or back that there was a mention of Overdraft Privilege Standard Program as implied by XXXX XXXX XXXX. Instead it says to call and ask about overdraft options available. Since there was no remedy to date and the bank has been willfully non-compliant, I reopened this complaint. My checking account has been closed since XXXX and sold to a collection agency. I checked my credit report and this debt from XXXX XXXX XXXX XXXX Synovus Bank has been added to my credit report since XX/XX/XXXX stating I owe {$340.00}. I am also disputing this amount as I had made a deposit of {$10.00} to my account two days before it was closed by the Merchant. XXXX XXXX XXXXXXXX XXXX Synovus took unreasonable advantage of me by taking funds I had deposited into my account for purchases I made and debiting my account interfering with my understanding of my debit card usage. Each time I added money it was not reflected in my account and when I asked for all transactions and or purchases to be declined if the funds were unavailable to clear, this option was not accessible to me. I was assessed a fee on top of a fee which did cause substantial injury to me. The substantial injury I am referring to is : 1. Checking account closure.
2. Being reported as delinquent to check systems.
3. Being harassed by a collection agency.
4. Reporting to all three credit bureaus for seven years and still showing if paid.
5. Decreasing my fico scores ; preventing me from purchasing a home until paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: AES/PHEAA
State: NY
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:
This relates to public service loan forgiveness and credits for the 120 student loan payments that must be made. I am complaining again since the response by Fed Loan servicing was that they will send me a copy of a print out from years ago to address my complaint. Insufficient. I now attach a print out clearly showing dozens more payments toward public service loan forgiveness than the lender shows ( thus making it necessary fgor me to work YEARS LONGER ). I have made payments of over {$800.00} a month for years and have been forced into countless forbearance situations to allow the 3 different lenders servicing my loans since XX/XX/XXXX to address many transitions and failures along the way. I am not getting proper credit for payments I made. I want fed loan servicing to make adjustments to the credits for payments made during forbearance. I am NOT ASKING FOR CREDIT THAT PREDATE THE XX/XX/XXXX PROGRAM. Do n't make that part of your absurdly inadequate response. I can not get a record of payments before XX/XX/XXXX but just since then I show 41 full monthly payments made. I am showing 19 payments made. THAT 'S NOT EVEN 2 YEARS and is a joke as far as even closely resembling accurate records of my payments. It 's not even I request records going back to the beginning of my enrollment and for proper credits to be issued and for the errors of the lender to not prevent credit ( things like putting me in the wrong program, failing to notify of program changes, it taking 4 months to make a determination or a year to transfer records where during those times no payments would be credited ). I will have to join the class action lawsuit requesting judicial relief if this can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX  off my report it over 7 years old and need off now

Company response to consumer: Closed with explanation