BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All my transaction I made through Bank of America online bank and XXXX are fraud. My fiance got fair by rake Vet clinic and animal transportation from XXXX And I figured out its a scammer and all the transactions I made through Bank of America and XXXX went to the scammers account

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 2022-07-18
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 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 2017-07-11
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loans with Navient for college, XXXX XXXX XXXX. I was pushed into these forbearances and deferments. I did not understand and it was not made clear high interest rates would still be accruing.
<P/>
XXXX XXXX- {$3500.00} Subsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX DeferredXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX Deferred XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- {$1200.00} Subsidized loan Placed in forbearanceXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXXXXXX XXXX -- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 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 2020-03-13
Company: AES/PHEAA
State: MI
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:
The fed loan servicing agency is mismanaging my loans. 

I had started student loan repayment in XX/XX/XXXX and signed up for autodebit. I have made payments on time every month, re-certified my pay yearly before XXXX which is when I went into repayment, and submitted my employment certification yearly. About 1.5 years into payment I noticed they were not counting my payments correctly and called the fed loan contact number and was told it would take over 1 year to review. I therefore called the ombudsman line for fed loan and they opened a review and were able to get my payments counted correctly. 

A new problem arose in late XXXX when I again re-certified my pay before the deadline in XX/XX/XXXX. I began the process of repayment in XX/XX/XXXX and was told I need to re-certify every 12 months. I have proof that I recertified every year in XXXX. They claimed I didn't recertify on time and capitalized my interest after this past year and are threatening to now go back for XXXX and XXXX and review and capitalize the interest for those years too. When I complained they said that they sent emails saying I needed to certify by a certain date. This is confusing to say within 12 months and then to send emails saying they want you to certify by a specific date. This is criminal and mismanagement of my account. I shouldn't have my interest capitalized because they are not clear in their rules about re-certification. Fed loan does not provide clear information about the definition about what re-certify in 12 months means. They are doing everything possible to make this a predatory practice. They expect borrowers to jump through hoops but they have no accountability themselves and purposely try to undermine borrowers from completing the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$100.00} to destiny XXXX on the XXXX of XXXX. If cleared my account on the XXXX of XXXX. It is now the XXXX and my credit limit has not increased to show the payment. The payment has not been pending since the XXXX of XXXX and I still do not have it as available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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:
I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ). 

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: AES/PHEAA
State: WA
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:
As a borrower, I have been paying back my student loan debt ; however, and per usual Fedloan has not acknowledged any aspect of my complaint - that I have not been credited for payments totaling over {$26000.00} + over {$3000.00} in accruing interest. 

When I contacted FedLoan again throughout XX/XX/XXXX - and since XXXX - the statement Fedloan mailed to me on XX/XX/XXXX is missing {$26000.00} + over {$3000.00} in accruing interest and the response I receive is keep submitting additional records. 

I have years of detailed records showing my payment history and Fedloan mistakes. 

I am asking for assistance and protections granted to borrowers under the law. 

Thank for so much for your time and consideration in this mater. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: OH
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  Account # XXXX ( XXXX XXXX  ), has violated my rights. 

15 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Courtney & Camp
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a summons from  Courtney and Camp   in  XX/XX/XXXX  regarding an  unpaid student loan from   XXXX   XXXX   University. I responded immediately to arrange an affordable payment plan. I explained to the representative that I would only be able to send what I could afford and it was never disputed. I was told that any payment  would be better than no payment at all. From  XX/XX/XXXX  to the current month of  XX/XX/XXXX , I ha ve been making  XXXX  dollar monthly payments by check. Once again, this has never been disputed by this particular representative or anyone working at the firm by phone call, mail, or any other form of communication. They have been accepting my payments and I have the bank statements to prove so. I made a phone call to the firm and spoke to someone by the name  XXXX  this past Monday about a writ of garnishment I received in the mail. It confused me because I have been making my payments on time monthly. My issue is that there was a paper inside stating for me to appear in court  on  XX/XX/XXXX ,  XX/XX/XXXX  and the postage on the mail is dated  XX/XX/XXXX .  XX/XX/XXXX  was on a Thursday. How would I have been able to make an appearance in court to plead my case when the papers were sent late by   the firm? It did n't arrive in my mailbox until the end of that week. It just makes me feel as if this was done purposely just so my wages could be garnished. When I tried to explain this to  XXXX , she was unbelievably rude and dismissive of the situation as if there was nothing else left for me to do except accept the garnishment. She made excuses by stating that I have n't spoken with anyone at the fi rm since  XX/XX/XXXX . If the onl y acceptable payment is by check and the payments are being made monthly, then why do I need to speak with anyone? How is it okay for this representative to tell me that  XXXX  dollar payments are not acceptable, yet they are still being withdrawn from my account? I do n't have anything to hide and my bank statements prove so because I 've been making my payments on time. No one ever stated to me that a certain amount had to be mail in to avoid garnishment. If what she says is true about them getting fired due to the amount in payments I 've been sending in, then someone needs to be fired immediately. This matter was poorly handled by   XXXX   and I want an explanation. I should not have to risk my wages being garnished and not having a place to stay because this firm failed to send my court papers on time. Not to mention, I have been making my monthly payments on time. I need answers from anyone that is willing to assist me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
My social was used on a business credit card as the primary that was applied for in XX/XX/XXXX According to American Express there was no activity on the card for 9 years. In XX/XX/XXXX a XXXX card was sent by American Express to the owner of the company. The owner activated the card and proceeded to charge more than {$31000.00} too that card. I only found out about the card in XX/XX/XXXX when American Express called me looking for payment. I have no ownership or partnership in this company and have not worked there for the past 9 years. American Express keeps calling me and not the owner of the company who did all the actual charging. I have called American Express several times to get no where. Also if you look at the bill when it came in it has the company name listed XXXX and the my name XXXX as the owner of a company would you not question that?? 
I filed several fraud complaints with American Express and they say they can do nothing about it. Yet i have asked for a copy of the application and they can not provide me with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received an escrow Statement dated XX/XX/2022. It is incorrect and included a tax line that is not accurate. It seems the bank misread the tax bill and added over 50 % to our total, and is attempting to collect not only an escrow shortage but a higher escrow amount based on the wrong tax total. We have called every week since, and spoken with multiple reps. We have a case number. Each week, each rep goes through the same process and realizes that the tax amount in incorrect. They have the tax bill we submitted on file. They then send a request to whomever to update the tax line and to re run an escrow analysis. There is never any follow up. Every week we call back and we are told nothing has been updated, or the escrow analysis was denied, and the whole thing starts over. We have been at this for over a month and after wasting hours, are nowhere. We have lost all faith in this mortgage servicer -and it was not one we chose but one who bought our loan. This needs to get resolved as we are not paying money we do not owe.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2. States a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello! Good morning I receive a personal letter from Wells Fargo stating that under my name XXXX XXXX, they had to pause my account, due to someone opening it under my name. I do not know HOW they did this, because I DO NOT have a personal checking account with Wells Fargo! It said any further deposits has been blocked.

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 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently requested to get a capital one credit card. In the past, I did have one ( almost 10 years ago ) and unfortunately I was a single mom and my fiance up and abandoned me. At that point, I couldn't afford to pay my bills. When I go a new job and re-stabilized I settled the debt over the phone and got everything taken care of. Now it has been almost 10 year and I receive a letter denying me a card for the past account. 1st of all, its been longer than 7 years. 2nd of all, the debt was settled!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: GA
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:
Been trying to fix this problem for a long time. A lot of information is incorrect. I cant receive a proper credit report. Ive put in an identity theft report. Ive placed fraud alerts to all three bureaus.

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 2021-08-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1.XXXXXXXX XXXX {$2000.00}, # 2. XXXX XXXX XXXX # 3. XXXX XXXX, # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With XXXX And XXXX, Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: TN
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  Accounts XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  XXXX Account number XXXXXXXX XXXX Account number XXXX 15 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. The listed above accounts have violated my rights and tarnished my credit history, these fraudulent accounts have been added to my credit report. I tried reaching out to the fraudulent accounts and as a result nothing has been done but they keep reporting negatively.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Inquiries on report that are unknowing. Contacted companies and was referred to contact Transunion. When contacted transunion customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

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 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card was charged for the wrong amount by a vendor who on the credit card statement appears as " shakentechcom ''. I was sent a promotional message containing a link to website selling items at a discounted price. I ordered merchandise displayed for about 37 dollars. I did receive the items which were much lower quality than the displayed images on the website implied. My credit card was charged for XXXX dollars instead of the displayed amount. 

When i brought this up with Bank of America ( BOA ), i was asked to send documentation of the displayed price- i tried to access the website again where i purchased the merchandise and it was removed by this time and the page was giving me an error code. 

I sent BOA this info and they said that they can not move forward without this info. After spending a considerable amount of time talking to the agent on the phone ( around XX/XX/XXXX ), i requested that BOA send me the info that they received from the vendor shakentechcom about their sale to me and i was told that it will be mailed to me within 2 weeks. When i didnt receive anything for 2 months, i called them back again and was told that there was no documentation of my phone call from XX/XX/XXXX - so i explained the situation again to the agent who told me that they will make a note of the case and send me the info they obtained from shakentechcom in terms of the sale in 2 weeks. It has been a month and i have not received anything. instead of wasting my time waiting for someone at BOA, i decided to file this complaint as i believe it is illegal for BOA to charge my card for the wrong amount especially since they are not able to provide me with the documentation showing the charged price from the fraudulent company " shakentechcom ''. 


Transaction date XX/XX/XXXX Case number : XXXX Disputed charge : {$63.00} charge ( XXXX ) from 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 2022-07-18
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation