BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In all the attention given to Pay Day lending as a predatory industry that exploits the poor, the CFPB and media have ignored a common " lending '' practice with major banks. 

While Frank-Dodd limited overdraft fees on debit card purchases, banks often still allow customers to overdraw their accounts intentionally at the ATM. This is often for a very short term, and when the fees are translated into an effective APR, the rate is astronomical. For example, an retired person who receives Social Security as their sole source of income is expecting their direct deposit in one week. They have {$10.00} in their account, but they need to buy groceries or medication. They decide to take {$80.00} from the ATM, which immediately triggers a {$35.00} fee. Their account stands at - {$100.00} after the overdraft and fee. Then ( for example, at Bank of America ) they incur an " extended overdraft '' fee of {$35.00} for not making their account positive after four business days, bringing their balance to - {$140.00}. This being deducted from a fixed direct deposit makes a repeat of a similar overdraft the next month all the more likely. 

The customer has in effect borrowed {$70.00} from the bank for one week at the cost of an additional {$70.00}. This is 100 % interest over one week or the annual equivalent of 5200 %. This is plainly usurious and should be illegal. Banks are still collecting XXXX in overdraft fees from those who are most vulnerable and least able to afford them.

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 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It's been a while since I sent my disputes to the bureaus. I sent a dispute to Transunion, XXXX, and XXXX and still have not received a response. I believe my disputes were sent XXXX and today is XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove negative accounts are not belong to me. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

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 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. XXXX  XXXX  XXXX : Account # XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX-XXXX  : Account # : XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX : Account # : XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.

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 2020-12-27
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: Personal information incorrect

Complaint:
I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. XXXX  XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 
XXXX-XXXX  : Account # : XXXX XXXX information reported. This account should be removed from my report. 
XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX  XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.

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 2020-12-27
Company: Experian Information Solutions Inc.
State: TX
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:
It's been a while since I sent my disputes to the bureaus. I sent a dispute to XXXX, XXXX, and Experian and still have not received a response. I believe my disputes were sent XX/XX/2020 and today is XX/XX/XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.

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 2020-12-27
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a loan with a company by the name of XXXX XXXX. The Loan that I had is no longer on my credit report the co-signer that I had on the loan, made a claim that it is on his credit report. The account is no longer showing up on my report, and I did indeed have a loan at XXXX. I borrowed from the loan company three times. These are the following dates. 

XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently received a routine statement from my student loan servicing company, Navient. My payment has been ~ {$940.00} per month and I have been paying in full and on time via direct bank transfer for approximately the past 8.5 years on a 10 year loan repayment schedule. However, when I looked at my current statement -- which I needed to do online after receiving notification that it was available -- the amount due was listed as ~ {$75.00} for the next monthly statement. I called the company concerned regarding an error and was told that " we have reviewed all loans and changed them back to the original payment terms. '' I consolidated my Federal Stafford loans ( which all initially had 10 year repayment terms ) on XXXX XXXX, XXXX and at that time, the consolidated loan was on a standard 30 year repayment schedule. However, I immediately changed to a 10 year repayment schedule which was confirmed by my loan servicer at that time ( XXXX XXXX ) only days later on XXXX XXXX, XXXX. The 10 year repayment scheduled has been in effect since that time and was in effect well before I even began making payments in XXXX, XXXX following deferment. 

I am concerned that this change was done by Navient unilaterally and without notifying me. To date, I have received no notice from Navient that the terms of my loan were changed without my involvement nor permission. Further, this reeks of predatory practices and I am concerned that this company initiated this practice only to ensure collection of more interest from lendees who might not attend closely to their statements. 

These loans originated from the time that I attended the University XXXX XXXX and XXXX XXXX NJ : XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Experian Information Solutions Inc.
State: TX
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 no clue what's going on so I have no choice but to file a complaint. XX/XX/XXXX, XX/XX/XXXX, and Experian have received my disputes XXXX2020 and still have not been able to give me my dispute results. Today is XXXX20 This is almost 2 months with no response. I found a ridiculous number on inaccuracies and misleading information that's making it hard to get credit. I found that the bureaus are in violation of the Fair Credit Reporting Act. I, the consumer have rights that are being violated under the FDCPA as well. The bureaus have 30 days to investigate pursuant 15 USC 1681i and failure to do so means these items should be promptly deleted. You are also in violation of my CONSUMER rights to privacy pursuant 15 USC 1692b. These violations make me think you have been practicing unfairly this entire time.

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 2020-12-27
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to reach the branch manager for a week.I opened up a account XX/XX/XXXX online.The XXXX branch refuses to give me access to my account until i produce a social security card and utility bill.I currently don't possess a social security card.It is a delay in processing social security cards it takes months to arrive due to the pandemic.I offered commercial drivers driver 's license, I offered avalible proof from the social security administration.I offered credit cards, i offered photo copy of my social security card.i offered mortgage statement i offered property tax receipts, i offered real estate broker license, i offered vehicle registration, i offered homeowners insurance bill.Proof of address???? Only a utility bill nothing else??? A gross tenancy is when the landlord pays the utility bills and the tenant only pays rent.So if am under a gross tenancy i cant get my money out the bank?

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 2020-03-16
Company: Kriya Capital, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
credence resource mana
XXXX date XX/XX/2019 account XXXX  
XXXX XXXX XXXX
XX/XX/2019
XXXX/XXXX XXXX  
XX/XX/2019
XXXX/XXXX XXXX XXXX
XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Navient Solutions, LLC.
State: OH
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 have attended XXXX XXXX XXXX since 2012 sallie Mae used to be the lender of my student loans ever since XXXX took over I have had nothing but issues, anytime I call nobody wants to help, and the representatives I spoke with were extremely rude! I have been going through a financial hardship for over 6 months, they claim I do n't qualify for any programs or they do n't offer them, my husband was out of work and I was out of work and we just had a baby in XXXX, they disregarded everything I had to say and said I needed to pay something, I do n't want to neglect my obligations but I need help getting back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I spoke with XXXX From the Collections department at Comenity Bank in regards to a XXXX XXXX Credit Card account. I owed a little over {$700.00} and had several missed payments. I paid {$200.00} to bring my account up to date, taken out of my account on XX/XX/2020. I also agreed to have {$120.00} automatically withdrawn from my account each month starting in XXXX. XXXX made note that after XXXX I would owe nothing! He said I may need to call in XXXX to let them know that I should not be charged any finance fees. I checked my account in XXXX after my final payment and found that I had been charged a {$35.00} late fee every month since XXXX because they had my payment due date as the XXXX of each month and my account was debited on the XXXX!! I would have never agreed to a day two days later just to keep paying a late fee! I have been scammed! I sent a message through the online message center. I was told to call. I called and was told that they would need to listen to my phone call because I probably chose that date! They said they would call back and see what they could do but could probably not get rid off the finance charges. They have not zeroed out my account yet and I do not want them to take another dime from me! I am scared that they will continue to debit my account every month forever! They misrepresented and lied to me. This was extremely shady and I would never trust this company and their collections department. I was doing the right thing and paying off my debt. I was scammed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
According to all XXXX credit report they have XXXX XXXX XXXX MA XXXX associated with my credit report and in 44 years I have never lived in MA. Therefore I like it investigated and also on XXXX and XXXX Reports they say there is a mortgage in my name associated with this address and I have never opened a mortgage.

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 2022-10-10
Company: Professional Placement Services, LLC
State: WI
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:
Ive contacted XXXX, Professional Placement Services, XXXX and XXXX numerous times via phones calls, emails, usps mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of PPS Professional Placement Services statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with PPS and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. # XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. # XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. # XXXX {$980.00} gave PPS full divorce docs, ex-husband resp for 1/2 all XXXX bills. Ive been billed & paid 100 % when I was only responsible for 1/2 except this bill. I asked XXXX for copy of EOB ( ex-husband coverage I have no access to EOBs ) pre-auth letter, original bill & all docs signed, no response. As of XX/XX/2022 they reported these 3 accounts as new collections on my credit reports. They will report this as new which it is not but they will not respond to me regarding these incorrect bills nor will they provide me with validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a previous dispute, but the response does not make sense. See XXXX. 
I am a vicitim of ID Theft. Federal Regulations and state laws allow me to have a Security Freeze placed on my credit file, if I provide the proper documents to the credit bureaus to place the freeze. I am sending the complaint because I sent proof of being a victim and all my documents to Experian to freeze my credit and they have failed to place a freeze. With failing to honor my request, they have left my credit open to new liabilities and fraudulent acccounts. The response I received last was that the information I provided was not complete enough in my complaint. However, I was very specific about dates I mailed documents and what was mailed. I should not have to contact Experian for a third time. My experience was that I called them and they tried to sell me a freeze or other monitoring services. I understand that this is very common practice after consulting with my insurance company and their famililarity with credit bureau practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Wrong name on credit report Attached document is not my name

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