BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I 'm dealing with Navient and it has been a hassle understanding the balance being reported on my credit report and interest being applied. I Recently saw a {$3000.00} spike on XXXX loan in a 30 day period. There are XXXX other accounts being reported and I need to know what schools they came from because the same activity is happening on those loans. Navient has not been of any help even though they call me daily about a payment that I do n't owe. I was forced into an IBRP because I did n't know my rights and did not want my credit effected anymore. After all, it 's the government. But if I 'm forced to pay something I would like to know the source, where the balance is coming from, and the interest rate applied to calculate the amount of accrued interest. If Navient is unlawfully misapplying payments and can not verify the above, the only resolution would be to delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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:
I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for XXXX to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. Equifax and XXXX have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. Equifax has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX of XXXX. I have been unable to look at my credit report with Equifax. XXXX has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by XXXX, Equifax, and XXXX. I demand that this illegal way of reporting ceases to exist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: WELLS FARGO & COMPANY
State: VA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am a XXXX who most of my life worked either as a XXXX, a military XXXX, or a XXXX. I accidentally learned through my Internet searches of the class action suit against Bank of America ( BOFA ) and its Credit Plus Protection Plan which ended with a settlement approved by U. S. Judge XXXX XXXX, which, in my opinion now, did not fully free the class members from having to pay the fees and interests incurred. I began my Internet searches after a year of communicating through letters and telephone calls with BOFA and they refused to stop reporting the credit card in question to the Credit Reporting Agencies. When I came across this class action suit, my thoughts led me to see that these were people wrongly treated with the Credit Plus Protection Plan just like me. It is only now after a closer look at my file on BOFA that I have determined I was never notified of the class action suit and, therefore, never opted in. Therefore, I want justice in the form of BOFA to stop reporting this credit card to the Credit Reporting Agencies ; that is the long, overdue justice that I seek.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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:
Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form XXXX4039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all XXXX Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and XXXX. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from XXXX and XXXX, but TransUnion stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After reviewing my credit report I found inaccurate information on my credit report from Transunion, XXXX, and XXXX each bureau reports are different. Under FCRA credit reporting should be validated and reported accurate and in this case that hasnt been done. Ive sent certificated mail disputing these issues and nothing has changed. I will include the certified stubs as well as the exhibit I have regarding this matter..

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 2016-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was taken from my account. Four out of the last 5 months this same " Small Balance Adjustment '' has taken place. This " Small Balance Adjustment '' has happened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Submitted complaints every month after this " Small Balance Adjustment '' occurred with no resolution to this matter except, not to keep a balance in the account that was an overpayment on my part. On XX/XX/XXXX I received a phone call from XXXX ( XXXX Ext XXXX ) and was told they expect to have the problem resolved by XX/XX/XXXX. Also informed her I did not want a check mailed to me for {$71.00}, which was the overpayment in my account. At this time I requested a letter be mail to me to confirm our phone conversation. As of today, XXXX XXXX, XXXX I have not received any letter to confirm our phone conversation. I did receive check number XXXX, dated XXXX in the amount of {$.00} which was the overpayment in my account as of XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX, a Customer Service Rep ( Employee XXXX ) in your XXXX, VA office. He suggested to place a stop payment on the above check, which he did on XX/XX/XXXX and the {$.00} ( amount of the check ) would be applied back to my account in 3-5- business days. As of today, XXXX XXXX, XXXX, the {$.00} has not been applied back to my account. I am requesting the {$.00} and the {$.00} in question be returned to my account which were removed at a " Small Balance Adjustment '' on XX/XX/XXXX and XX/XX/XXXX. Please also advise if the " Small Balance Adjustment '' problem was resolved on XXXX XXXX. If it has not please advise when the problem will be resolved. This issues was reported to Bank of America in XXXX, XXXX, which is 5 months ago, and still it is a on going issue. Per XXXX XXXX ( XXXX Ext XXXX ) I was informed the " Small Balance Adjustment would be resolved by XX/XX/XXXX. What happened? Please also inform me as to what steps Bank of American has taken to resolve this issue. Thanks for you help and please call me at XXXX and confirm our phone conversation with at letter stating what was discussed.

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 2016-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I made a deposit of {$1300.00} in a mix of {$2.00} bills, {$1.00} coins, and {$.00} coins right before XXXX. However a few weeks later my online banking account said that I had a withdrawal of {$300.00}. I called to check with the bank as I had barely touched my account since the deposit. It turned out that the deposit that I had made was incorrect? I keep on getting pushed off to the bank manager then to customer service phone calls and vice versa. I counted every coin into every coin wrapper, so I should know if I was {$300.00} short. Plus it said that I was {$.00} short which does n't make sense at all considering I only deposited {$1.00} and {$.00} coins.

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 2021-10-12
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Check and Go debt from XXXX. Filed Chp XXXX Bankruptcy in XXXX XXXX, was discharged in XXXX XXXX. Check and Go was listed on the XXXX. I received a telephone call / voicemail in XXXX XXXX from " XXXX '' XXXX ( XXXX, XXXX XXXX XXXX ) stating that they were going to be delivering a summons to my residence and then my job and that I must have a supervisor present. I returned the phone call and indicated that I had filed for Chp XXXX Bankruptcy in XXXX XXXX. They stated that this was a fraud charge and my bankruptcy did not protect me from that. I forwarded this information and the voicemail to my Bankruptcy attorney. Today on XXXX XXXX XXXX, I received a voicemail on my personal cell phone and work telephone from " XXXX XXXX XXXX '' XXXX stating that I needed to contact this number and that the voicemail would serve as " legal notice ''. I returned the phone call and the " Senior legal representative '' stated that fraud charges were being made against me because of the Check and Go debt from XXXX that was included in Bankruptcy. I explained that my bankrutpcy was discharged in XXXX XXXX, asked them not to contact me again at home or at work, and to call my attorney with questions. They stated that my bankruptcy has nothing to do with the fraud charges being placed against me. I explained that I knew this was scare tactic and that I was not falling for it. She insisted that she was forwarding my account to a " locater '' and that I would have to appear in court with my attorney to answer to these charges. I again asked this company to not contact me again regarding this matter. She stated that the phone calls would continue. I disconnected the call. Immediately after disconnecting the call, I received XXXX " Unknown '' calls. I answered, nobody on the other end. This is also harassment in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Pinnacle Credit Services, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cell phone account with XXXX XXXX was opened fraudulently in XXXX amount claimed is XXXX. Dispute was completed thru transition and deleted but not removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I have filed multiple disputes for incorrect addresses, incorrect payment histories being reported on my credit report. the company 's is only responding with a verified response. once I send method of verification letter, im not getting any responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX Bank of America began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by Bank of America before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to XXXX. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted XXXX to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.

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 2021-10-12
Company: CREDIT ACCEPTANCE CORPORATION
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 is missing that should be on the report

Complaint:
Loan taken out through credit acceptance in XXXX of 2017 has been charged off or sold to another company XXXX XXXX and XXXX XXXX account remains open on my credit report through Credit Acceptance and does not reflect that it is now in collections showing continuous missed payments. 

XXXX was in an accident and debt should be cleared after given gap insurance but I was forced to take warranty on car causing an extra fee added to 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 explanation
Consumer complaint received 2021-10-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WELLS FARGO


Contact XXXX XXXX XXXX XXXX XXXX IA XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2021-10-11
Company: Phoenix Financial Services LLC
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:
PHOENIX FINANCIAL SERV AT XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: AFNI INC.
State: FL
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:
XXXX XXXX I mailed a certified dispute letter to AFNI inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One Main Financial, XXXX Virginia. If you are a day late with a payment they will call you 8-10 times per day and will still call after you speak with them. We know we have to make a payment and they do not need to continue to call so many times. They told us why they call so much and leave messages is because we do not answer the phone. If you have multiple household members and you each have a loan, they will call each person 8-10 times per day. Our phone rings constantly! This is a small company and they know that there are XXXX household members with separate loans with the same phone number but continue to make repeated phone calls.

Company response to consumer: Closed with non-monetary relief