BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-16
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX is reporting a fraudulent account that was opened about XX/XX/XXXX when i found out it was XX/XX/XXXX and i closed it i talked with XXXX at XXXX fraud department on XX/XX/XXXX and gave them all the info. They called me on XX/XX/XXXX and said they this account was opened over the phone so they are going to continue to report a account they cant verify and that they know is not mine

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 2016-03-01
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX PRESENTED ME WITH A BILL FOR {$2500.00} THAT WAS NOT RESERVED NOR AGREED BY XXXX TELEPHONE RESERVATIONS. WHEN THE ON SITE EMPLOYEE, PRESENTED THIS FRAUDULENT BILL TO MY ALLY BANK ( WITH INFORMATION ACCT # S, ETC.FROM A PREVIOUS RENTAL WITHOUT MY CARD OR BANK ACCOUNT NUMBER ON THIS RENTAL MY BANK DEBITED MY ACCOUNT WITHOUT MY KNOWLEDGE AND SEIZED MY FEDERAL MONEY. UPON XXXX XXXX, XXXX, XXXX, XXXX, THEY FAILED THEN XXXX PRESENTED FAKE, CREATED, FRAUDULENT BILLS TO ALLY BANK WITHOUT MY PRIOR APPROVAL.ALLY BANK ACCEPTED THESE BILLS AS REAL AND LAST WEEK AFTER RECEIVING MORE FAKE BILLS WITH OUT MY PROOF OF FRAUD ALLEY DEBITED MY DIRECT DEPOSIT SOCIAL SECURITY MONIES, ACCOUNT TO OVERDRAFTS AND WILL AGAIN SEIZE MY SOCIAL SECURITY DIRECT DEPOSIT TONIGHT AFTER PROHIBITING THEM FROM DOING SO. THIS IS MY FEDERAL MONEY AND ALLY HAS BEEN WARNED NOT TO TAKE MY XXXX XXXX MONEY AGAIN. CAN YOU STOP THEM SINCE I CANCELLED MY ACCOUNT WITH 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 2015-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX, my husband withdrew our entire balance of {$350.00} in person at the XXXX, Ma. Bank of America and instructed the teller to close the account. The following month we noticed a {$5.00} service fee and contacted Bank of America via chat online. The person said they would close the account and reverse the fee. The following day it appears they reinstated another fee followed by XXXX in XX/XX/XXXX and XX/XX/XXXX. My conversation this evening with a Bank of America rep over the phone left me with no results to close this account and stop the fees. At that point I did inform them that I was filing this report and intent to visit the branch and have no intention of paying fees on a XXXX balance account that they were instructed in person at the time of withdrawal to close.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I receive an offer of credit today from a company that I know nothing about. The company 's name is balance credit. Once I called to inquire about how this company received or obtained my personal information I was told by a service representative supervisor that the information was transferred over by TransUnion. I immediately called TransUnion to dispute items on my credit report as well as let Trans Union know that I am NOT giving them permission to sell solicit or trade any of my personal information for the purposes of optaining credit through third party lenders. I explained to TransUnion that I felt violated and that I was very upset about the fact that my personal credit information was solicited to a third party without my prior approval. I then asked to be removed or opt-out of any solicitation services immediately. All I have ever done with Trans Union was request my credit report within the last 60 days. I never requested to be added to a mailing list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Recently I was flying Spirit Airlines and they were advertising their Spirit Mastercard from Bank of America. The advertisement goes like this : Upon receiving the Spirit Mastercard, customers will receive XXXX Spirit miles after first purchase, regardless of the purchase amount. According to Spirit agents, XXXX Spirit miles is good for most XXXX flight tickets since their trip can be booked at XXXX miles/ticket. I wholeheartedly trusted their advertisement and submitted my application for a Spirit Mastercard although I have more than XXXX credit cards at that time because I was incentivized by their offer. However, after receiving my Spirit Mastercard from Bank of America, I started to look for flights I can book with my Spirit miles. After a thorough search of Spirit reward travel, I found about 90 % of my search results in reward travel requires XXXX miles per trip plus fees, and the remaining XXXX % results in reward travel requires XXXX miles per trip plus fees, which is XXXX and XXXX more than what Spirit had advertised. I am extremely disappointed by the way Spirit and Bank of America had advertised this credit card, and I felt victimized by their false advertisement. I am formally exercising my right as a consumer and seeking help from Consumer Financial Protection Bureau to thoroughly investigate this issue and have Spirit and Bank of America properly compensate the damages they have done to their consumers, including 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 2017-02-16
Company: Navient Solutions, LLC.
State: NY
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 graduated from college in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was not notified about ANYTHING from XXXX or Navinet about my loans with their company. I stayed up to date with their offices, and they knew where I was and how to contact me. They never called me, mailed anything, or even attempted to reach me by email for 8 YEARS! Suddenly in XX/XX/XXXX and XX/XX/XXXX I was harassed that I owed out the nose, was given no alternatives for repayments or potions other than {$1500.00} a month or a " reduced payment '' of {$500.00} a month that would extend my loan until XX/XX/XXXX. 
I barely make anything and have to live with family to pay my loans. more than 60 % of my income a month goes to Navinet to repay the loan, and they offered no alternatives. They harassed my co-signer, and they threaten legal actions. I requested what options they could give me and was told more than once " We are a private loan company. We do not have to offer ANY programs and can take you to court to freeze your assets until you are paid off. '' With their actions I borrowed {$50000.00} and will repay nearly {$200000.00} now due to their FAILURE to contact me. They even threatened to take legal actions again my mother, who co-signed for {$10000.00}, and is now estranged from me because of the hostile actions of this company. THey refuse to acknowledge that I am on a low income and keep telling me that I need to find a better job. I already work 40+ hours a week for {$12.00} an hour, where do they expect me to find better work WHEN I CAN NOT GO BACK TO COLLEGE BECAUSE OF THEIR ACTIONS AGAINST ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. My bill was paid when my account was closed in XXXX/XXXX/14 and never get any calls or reclamation from the company just recently.

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 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX, in reviewing my credit report I notice XXXX XXXX XXXX accounts with different account numbers. I contacted Transunion to dispute the account explaining there should only be XXXX. They told it would be 30 days to verify with XXXX XXXX then will remove it if it should n't be there. XX/XX/XXXX, I reviewed my credit report again but the item was still there. Therefore, I called XXXX XXXX customer service where they confirmed the information then sent information for Transunion to correctand they told Transunion and other credit bureaus. Here it is XXXX, XXXX duplicate account still reflects on my credit report. It appears that the credit report still reflect XXXX XXXX XXXX credit cards. It has now been 9 months trying to get XXXX of the XXXX XXXX Credit Card removed. Although it have an excellent pay history, it is affecting my debt to income ratio which lowering my credit score. They will not update the 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 2015-03-30
Company: Worth Finance Corporation
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a letter from Worth Finance Corp that included a " check '' for {$800.00}. In reality, this is an offer for an {$800.00} loan with an APR of 91.02 % ( {$370.00} in finance charges ). Is this legal? Should n't the CFPB be shutting down predatory lending of this nature?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Bank of America did not adjust my automatic payment or inform me to adjust my automatic payment when my balance increased. Then they collected fees and reported me as being late to the credit bureau for two months.

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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
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:
My student loans were consolidated by XXXX in XX/XX/1997. I have been paying on my student loans for XXXX yrs, yet the principal I owe has almost doubled. I started out on their graduated payment plan. Because the amount of my payment did n't cover any interest, any interest that accrued, they kept applying to the principal. I am now on an income based repayment plan. It 's the same thing. I 'm making the payments, but because they do n't cover the interest, they apply the accrued interest to the principal balance. How is this ok?? Now I 'm paying interest on the interest on the interest, etc ... This is such a scam. It needs to stop! They make paying off your student loan impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is a follow-up to a prior CFPB complaint regarding an account closure at Bank of America. Upon submitting my complaint, I received an e-mail from a bank representative named XXXX XXXX XXXX at the bank 's XXXX XXXX XXXX XXXX department. The email said to " please contact me directly at the number listed below '' and specifically warned against contacting via e-mail. However, THERE IS NO PHONE NUMBER LISTED ON THE E-MAIL! ( I believe a cell number was included without an area code. ) I would have thought this a simple oversight if it were n't for XXXX reasons. First, the e-mail is clearly a standard-issue response that they send to most complainants. Second, when I called the Bank of America general customer service desk ( it is impossible to reach anyone at XXXX Customer Care Resolution without their XXXX digit extension, which was also not provided ) to attempt to get a phone number to reach XXXX XXXX, they declined to provide XXXX for almost an hour and eventually provided me a number that does n't connect to anyone 's phone in the resolution department. ( This is not the first time that the bank has provided me an inactive phone number or a phone number that links to a voicemail box from which you will not receive any reply. )

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 2017-03-10
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX XXXX XXXX , XXXX claiming that they are collecting on behalf of Navient Education Credit. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to Navient, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with Navient. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by XXXX XXXX XXXX , XXXX. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since Navient has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with Navient : XXXX for {$4000.00} and XXXX {$2600.00} are nowhere near the doubled amount this company and Navient are trying to collect wrongfully from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Rosen Management Services Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt through XXXX is paid and has never been sold.The payments were not going to that company. The XXXX payment went to Rosen Management and the second payment went XXXX XXXX which cell phone accessories. They continue to call and harass me for more money. I have disputes in about the XXXX payments with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX I called a bank of america representative-stationed in the aurora, Illinois office, and requested a home equity loan. While on our phone conversation he determined I was approved for a XXXX home equity loan. I was advised to return his call to provide all my credit card information to be paid off and I did so. He then gave me an exact amount of money I would be receiving after some of my debt was paid off. He also told me to wait for an incoming packet to be sent so that my wife and I could sign them or bring them to his office. I received the packet on XXXX/XXXX/2016 and my wife and I signed the packet. However, I decided to call the main branch number that was located in the packet and spoke with a supervisor who told me we were in fact, not approved for the loan. The supervisor stated the agent-XXXX XXXX gave me the wrong calculations when he approved my loan verbally over the phone. I was devastated, because I was holding a packet that said I was approved. A supervisor I spoke with stated the agent in the XXXX, Il branch gave me the wrong information and therefore should have never approved my home equity loan. He told me the loan was secured. He knowingly gave me false information in order to sell his product. He literally stated to me that my loan was approved and that 's why I gave him all my information including social information to check my credit scores. He misled me during the entire loan process. I also purchased an {$800.00} dollar phone on XXXX/XXXX/16 knowing that several of my credit cards would be paid off and I would have additional monies from the bank of america. I have a contract that shows the cell phone was bought on the above date. I also did call the bank on XX/XX/2016-XX/XX/2016 and spoke with a supervisor ( female ) who was not receptive to my situation and stated she would talk to the agent who approved my home equity loan.

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 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inquiries on my Transunion report that I did not authorize. They are fraudulent. I tried resolving it with Transunion but they will not remove the inquiries. Ive attached a screenshot of the listed inquiries.

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 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is XXXX credit card account with XXXX XXXX XXXX that I have no knowledge of and there is a post office box listed as a address that I never had.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through TRANS UNION CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted TRANSUNION CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but TRANSUNION said all the information they have on file concerning the dept was correct even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FRAUD FROM THE ORIGINAL CREDITOR. ( XXXX XXXX APARTMENT ). 
I rented an apartment from the Original creditor XXXX APARTMENT, but a month after I rented the apartment the roof collapse and I could not use the apartment anymoreafter so many attempt I made contacting the XXXX APARTMENT to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But XXXX month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX APARTMENT who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX APARTMENT BE FOR IMOVED OUT FROM THE APARTMENTTHE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXXTO TAKE SUCH FALSE STATEMENT OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: American First Financial Services, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a account with American First Financial and due to a natural disaster ( Flood ) in XX/XX/2016 and circumstances beyond my control my account became behind in payments. I sent the company a agreement and check stating in exchange for payment in full they will agree to remove the account from my XXXX credit report. On the check I wrote in cashing this check you agree to remove from XXXX credit report. American First cashed the check but did not uphold the agreement and remove the account from my XXXX credit report. The company did not return the check or notify me that they would not accept the agreement. FCRA does not demand all accounts be reported therefore a company does have discretions and permission to remove any account it chooses on a credit report. I sent agreement letter and check and American First did not uphold the agreement or notify me prior to cashing the check that they would not honor the agreement. In cashing the check they accepted the terms of the agreement.

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