BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This complaint is against Experian and XXXX and XXXX XXXX. XXXX XXXX reported to XXXX, XXXX and Experian " to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, XXXX has listed " formerly known as mother 's name ''. Experian has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Last Thur I used the outside ATM machine at Citizens on XXXX in XXXX, Ma XXXX. The machine kept my card, for what reason I do n't know. This ATM machine is serviced by the XXXX. They service it every Thur. So I waited a week to retrieve it from the bank. Today I called and they told me they did n't have it. The woman at the bank told me if they had to service the machine in between, they might have thrown it out. So now I have to wait another week, while they order me a new card. I 'll never use that ATM Machine again, but no one should have to wait two weeks for there card, especially if it 's no fault of theirs. I love My Citizens, but a little upset with this issue. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I used my Bank of Amercia checking acccount to invest stocks via XXXX, after I transfered XXXX dollars to theXX/XX/XXXX on XX/XX/XXXX, my checking account just dispeard in my Bank of America on XX/XX/XXXX, I think I still have fund in there and did not find a way to find my account back.

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 2022-03-17
Company: CMRE Financial Services, 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: Problem with personal statement of dispute

Complaint:
Im adding to my existing complaint I dont agree with the response given. My intialso complaint was I wanted the accounts removed due to me having medical insurance when the accounts was sent to collections. I uploaded a description of my initial complaint. Their response was they called the hospital and validated what I owed. That was NOT my complaint. Again I want the accounts removed duebto me having medical insurance. And proof there of that I didn't have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( XXXX ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2015-12-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 've made XXXX payments on my car of XXXX and my principle balance is not going down. I 'm financing my vehicle with Santander Consumer USA but I can refinance or trade out of it because of the negative equity. I do not know what to do. I feel like I 'm paying for a car but not paying for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-08-25
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/20 a debt collector from lvnv funding called the home of my parents whom I haven't lived with in 20 years and asked for my mom and told her she was attempting to serve me legal papers for my debt and wanted my telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not do or authorize these 2 accounts.

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 2022-03-17
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-07-02
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi- I am a former Univesity of XXXX  School of XXXX student. I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I, unfortunately, had to borrow to finance my education. Federal loans were not enough to cover the full balance and I had to also take out private loans to cover tuition costs. I was in the process of refinancing my loans this week and noticed 3 " fees '' that were charged on 3 of my student loans titled " repayment fees '. These fees were charged in addition to the capitalized interest that accrued while I was attending school. The fees were around 5 % of the loan balances and totaled nearly 4,000 dollars. Of course that amount is then repaid, with interest, for 30 years. I'm actually afraid to calculate how much I'm actually paying for this fictional fee over the term of the loan. I have ZERO recollection of this fee ever being mentioned to me by anyone at any point in the process. Not during the application process or by the student loan office at the University of XXXX. Just shameful that they would be a part of it.

I've requested the loan disclosures and promissory notes on all 3 documents. That Navient and my University would be a party to this makes me sick to my stomach. Its criminal and should not be tolerated by our government. Saddling kids with enormous debt to get an education is bad enough- legitimately stealing from them through fine print should put people behind bars. I'd love to talk to someone at the CFPB or at a law firm that will handle a class action on this- that will be my next email. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I open an account at Wells Fargo in XXXX 2014. I open the account because I had direct deposit from my job, which the payroll department was Wells fargo. The first problem occurred when I did not get my direct deposit from Wells Fargo payroll the day I was suppose to like all the employees at my office. That caused over draft fees to my account. Then someone did a fraudulent activity on my account and I informed the bank. They had me open another account so they could direct my other direct deposit from my retirement. Another problem happen when the fraud activity occurred again the bank open my old account up to pay the fraud bills. I called and complained they said come down and move the money to the right account. I went to the Wells fargo in XXXX off XXXX. The bank manager transferred the money over to my new account. Little did I know about two weeks later the bank took XXXX plus dollars from my new account saying the teller made a mistake gave me too much money. More bounced checks, but no fees were taken for the fraud account. But now this is costing me money that they took for overdraft fees not thinking or caring about the mistakes they made. Now recently I started working a job. I got XXXX checks from clients XXXX was fraud they bank claims and they had the nerve to close my account causing my retirement check to be returned to the state of California. Now I can not pay my bills and all they can say is get me the dates and we will look into it. The bank make mistakes I pay for that I put in XXXX check and they say my account is closed and that is it They sent my check back and I went and open another account a business account and ask that the check be transferred there a bank rep that open the account for me tried to get it transfered but their lost prevention department said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called Navy Federal Credit Union on XXXX XXXX, 2016 and confirmed with their Collections Department that my auto was not in repossession status. I paid {$650.00} on XXXX XXXX, 2016. The balance currently due is {$330.00} ( partial XXXX and XXXX payments ). My vehicle was towed from my home on Monday, XXXX XXXX, 2016 by XXXX XXXX. I contacted Navy Federal Credit Union 's collection department and was transferred to NFCU 's " Repossession '' Department. I spoke to XXXX XXXX who informed me my vehicle would not be returned unless I paid a {$370.00} repossession fee directly to XXXX XXXX ( a towing company ) plus {$330.00} in loan payments to NFCU. My mother, XXXX XXXX, visited NFCU 's headquarters office in XXXX, VA on Monday evening and Tuesday morning and spoke to a Member Services Representative, XXXX XXXX. My mother has a XXXX XXXX XXXX Attorney, that XXXX XXXX, CC Resolution Specialist/XXXX Contact Center refused to accept as sufficient on Monday evening. As of Yesterday, Tuesday, XXXX XXXX, 2016, my balance with XXXX XXXX has increased by {$25.00} per day until full payment to both parties. I intend to pay the total balances due on Friday, XXXX XXXX, 2016 which is the best I can do since I have been without full time employment for a while. I started a new job on Monday, XXXX XXXX, 2016 that will enable me to pay my loan on a timely basis from now on. XXXX XXXX XXXX, Manager (? ) of XXXX XXXX informed me yesterday that my car can be auctioned at any time until the full balance is paid. XXXX XXXX, NFCU Member Service Representative, confirmed yesterday that I have 10 days to pay the full balance to both XXXX and NFCU to obtain my car without it going to auction. 
Since the {$650.00} payment would have taken my car out of repossession status on XXXX XXXX, 2016 if it had been in that status, I would like Navy Federal Credit Union to authorize XXXX to return my car back to my home address where it was taken illegally and waive the {$500.00} payment that will be required when I am able to render it on Friday, XXXX XXXX, 2016. XXXX and XXXX XXXX, NFU Repossession Department, seem determined to make me pay {$370.00} ( repossession fee ) plus a daily storage fee until payment is made to XXXX. This is a very unscrupulous business practice since my car was not in repossession status when towed on Monday, XXXX XXXX, 2016. NFCU staff first stutter, then inform me that " you should have told someone you made the payment. '' Payment was made at the XXXX branch of NFCU. This was also the response I received from " XXXX '', Branch Manager, XXXX. All parties acknowledged that the payment can be see in their " system. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: LEXISNEXIS
State: IL
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately Chapter XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Avant Holding Company, Inc.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called this company and closed this account almost three months ago with the payoff amount they told me on the phone. Haven't heard anything from them in that time. Now they keep sending me bills that I owe them a payment. The company involved avant card. I closed it because they kept lowering my credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: OH
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:
This is the second time I have contacted you about this company and I'm about to get an atty, this account does jot belong to me. 

below is the info, this account dropped my credit score XXXX points and its stopping me from biyung my home. 

XXXX opened XX/XX/2018 ( I think, Im not sure now ) its reports closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: IPAC'S Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  IS REFUSING TO INITIATE SECURITY FREEZE MY CREDIT REPORT DESPITE MULITPLE REQUESTS OVER 60 DAYS.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received an email notification to fund my new Account at BOA. I have accounts currently with them but did not request a new one. I contacted them on XX/XX/XXXX. Reported the issue was told it was opened inside a branch. Have not step foot in BOA in yrs. they sent me documents to fill out I sent them back. They posted the documents to the claim on XX/XX/XXXX. The account has been frozen and overdrawn since XX/XX/XXXX for almost XXXX dollars. I have been calling Bank of America once a week now and still no update. And now Im been told today that they dont know how the account was open and the Claim is still in process this has been going on for over a month now. This is now on my bank statements in which will hurt me in the long run to purchass a home

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 2022-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  XXXX {$170.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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: Their investigation did not fix an error on your report

Complaint:
TransUnion responded with a copy of my standard credit report twice. The first letter is dated XX/XX/2020 and I received it on XX/XX/2020 ; the second letter is dated XX/XX/2020 and I received it on XX/XX/2020. Copies of the first page on each letter is attached herein. Neither letter addresses they reason why they keep lowering my credit score whenever I make a car payment or pay off a loan early. I also want to make note that they sent a letter addressed to my DOG ... a Black Labrador Retriever named XXXX XXXX and that I have printed on my return address labels. A copy of that letter will also be enclosed herein. This is proof that TransUnion employees are not paying any attention to details being sent to them for response and that is unacceptable. Please help 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