BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Bridgecrest Acceptance Corporation
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2022-09-12
Company: EQUIFAX, INC.
State: FL
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/2020 I called US Bank customer service phone number four times from back of the card. I pressed zero to talk to a live representative and the phone automatically hangs up. I need to unlock my phone and get directions on paying a bill and a representative is unavailable. Not good!

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 2021-02-19
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My monthly DIRECT EXPRESS DEPOSITS WAS Hacked in XXXX. I filed complaint with DIRECT EXPRESS. WAS ISSUED New Card, but No Refund. I understand they suppose to give a PROVISIONAL CREDIT while investigating, but NOTHING. 
Over {$1200.00} was Hacked from my Direct Express. Please get my Money Back soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY 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 2017-05-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a credit card  with Chase with a date o f last activity i n 2012 and  a Chapter  XXXX  bankruptcy discharge.  Today I received a letter stating that Chase was still charging my account late fees and interest. I called the number on the letter and was told that I had to call their " recovery '' department " to find out why they are doing this and to get them to remove it. '' I explained that this debt was discharged in bankruptcy and therefore there is no account or balance they can charge. The person on the phone acted confused, then agreed that her records showed this. Nevertheless she refused to tell me what Chase is up to, why they are still trying to collect a discharged debt and refused to resolve the issue. I told her I would not be making any more phone calls to " find out why '' Chase is deliberately breaking the law and would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the accounts below several times with you to no avail. 
Please mark each account below as being disputed XXXX  and XXXX  investigated the following accounts below and have decided to delete the account from my credit report. Please do the same as per the Fcra rules and regulations with regards to uneven reporting among the credit agencies XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Experian indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my Experian file pursuant to 15 U.S.C. 1681i  ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

Experian has 10 days from the receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experian 's willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. I look forward to an amicable solution to 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 2017-03-07
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient misaccounted for a loan in which the funds were returned by the college I was attending in XXXX. The funds were awarded to me after filing out the fafsa. When I declined to accept the dispursement, it was returned to the lender. I then continued to pay on the loan until I discovered their mistake in XXXX. I paid for the loan from XXXX XXXX to XXXX XXXX when I they acknowledged their mistake and put the loan on Administrative Forbearance. I have been fighting them for all the money I paid for the 6 year period. They have yet to reimburse any funds even after acknowledging the mistake. On top of this, when they put the loan on Administrative Forbearance, their system still reported negatively on my credit report. They have yet to repair that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: TN
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:
Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX, original creditor XXXX XXXX XXXX. ( Please see page attached from my credit report. ) The opening date of this account is not in XX/XX/2019. In fact, this account is over 7 years old and was opened fraudulently from an ex-girlfriend who forged my signature. I filed a fraud affidavit and this account had previously been removed. I never gave permission or authorized anyone to open this account. This account has also been sold and re-aged and should not be reporting at all. This is a violation of the Fair Credit Reporting Act and is mandated that this line item be removed from my credit report. This false reporting of a collection/chargeoff, that is not mine, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank received a levy release on XXXX and they have not credited my account yet.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-05-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX shows me still on this loan. I was removed from it in XXXX, 2015. I originally co-signed my nephew 's student loans to attend XXXX XXXX XXXX, but assumed full responsibility for his loans one year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019 WF/XXXX XXXX  put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would update the account but they have failed to do so after many attempts from my end. This has popped up two other bureaus and has greatly lowered my score.

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 2020-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I recently graduated from XXXX University with my XXXX. Navient a company which took over my loans from XXXX XXXX contacted me in XXXX of 2015 for repayment for my XXXX loans from XXXX University. As a XXXX I bring home {$2300.00} monthly after taxes. I am currently paying {$200.00} for my federal loans, and was hoping to pay the same amount for my private loans. After reaching out to Navient for the XXXX time, they told me that my only option was a rate reduction plan, that has me paying {$400.00} plus per month. I can not afford this payment. I have totally wiped out my savings from XXXX of 2015 until now. I know My obligations and I am willing to pay every month, however {$400.00} per month is too much. I do n't have enough money to pay all of my bills, or buy groceries once I pay this amount. Is there anyway my payment can be lowered? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
Federal law, thru the credit card act of 2009, changes payment allocation and requires that credit card companies apply any additional payments ( minus the required minimum payment amount ) to the highest interest rate balance on my card. That is not happening! Bank of America and XXXX XXXX refuse to to apply additional payments to the balance with the highest interest. I keep referring to the Card Act and they wo n't change their practices saying they are meeting federal guidelines. I need to know what to do? I keep paying above the minimum payment and they keep applying most of it to the balance with the lower interest rate ( BOFA 9.99 % vs 24.99 % and XXXX 13.24 % vs 24.24 % )

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 2020-04-03
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a United States military service member. In XXXX US military paid out {$50000.00} of my student loans for eight years of service in the HPLR program. The amount that was left over was tacked onto my XXXX   and XXXX degree loans. my student loan balance is {$230000.00}. Fascinating I went into debt to take care of people who are so on thankful for healthcare ....

Under the public health service loan program application since XXXX Ive had full-time jobs and made payments but not all in sink. In XXXX I started to make regularly month payments underneath the public health student loan repayment program. I have not missed one payment. I have been working part time for the US military  and 32 to 36 hours a week for the employer in the hospital. Fed Student Loan servicing is denying my applications and will not tell me why. And healthcare 32 to 36 hours a week is considered full-time. I recently contacted them and XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. Still no data sent XX/XX/XXXX I sent them a certified letter asking them for 1 ) rationale of why they are not putting my payments towards the public health student loan repayment program 2 ) no interest while on XXXX XXXX during the my XXXX XXXX in reserve. I have still not heard anything back. All my requests go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a victim of predatory lending. My mortgage rate is 10 %. I obtained my loan through Bank of America XX/XX/XXXX. I was told this was the only rate for which I was qualified, so I signed for it. I had no idea that this was not the average loan rate, or that I could have received a lower rate at that or any other institution. I was stuck! In XX/XX/XXXX, I applied for a loan modification. The application was wrongfully denied for incompleteness. I appealed, the bank admitted its mistake, then denied the loan based on housing expense and income eligibility. Bank of America NEVER addressed the predatory lending issue. I have managed to remain current on my mortgage payments but it is becoming increasingly more difficult as I have been forced into retirement, and my present income is now only XXXX % of what my working income was. I just want, and now, need a lower rate. The mortgage rate Bank of America is charging me is disgraceful and insulting, especially when the subprime rate is not even 10 %. Bank of America representatives will not even address the rate terms nor the detriment to my finances since XX/XX/XXXX. Bank of America 's actions of charging me this outrageous and unfair rate can only be sighted as abusive. I have been completely taken advantage of by this institution. Through a lot of personal choices and lifestyle changes, I have as yet, made my mortgage payments on time, and because my payments have been on time, my situation has not been viewed as a hardship, although it is a hardship and it 's getting harder every month. It seems that as long as I am paying, and the bank is not losing any money, they see no need to modify this loan, lower this abusive rate, or do anything to help me stay in my house.

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 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got an email from BoA saying that I was overdrawn. I went online to find out what happened and found a check that was not even from my account drawn for {$360.00}. I opened a chat help and reported it. The customer service person said it would be resolved. The next day, before business hours, I checked again. The problem was n't resolved and the check image which had been there the day before was no longer available. I opened another chat window and THIS customer service rep told me it was fraud and would have to be dealt with over the phone during business hours. 

That leaves me with no money for breakfast, so I am angry AND hungry. 
I reported the error as soon as I noticed. BUT because of the failure by the bank, I am without access to funds, and therefore breakfast and gas. 

HOW does all this work? WHY wo n't BoA answer my questions? WHAT is my recourse? 

IT 's only XXXX bucks. AM I too small to matter while BoA is too big to fail?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately I have a Auto Mortgage with XXXX XXXX. Because of recently evolving COVID-19, I called on XXXX XX/XX/2020 and talked with a representative and finally settled down an extension for 3 months. I am unable to pay from XXXX, 2020. Because I am jobless for 3 weeks due to " Stay at Home ''.  They agreed in this point. But they took their payment as it was auto payment on XXXX XX/XX/2020 ( {$460.00} ).

From then I called and talked with representative several times. They didn't give me any proper answer even one of representative today transferred my call to someone and I have been waiting more than 1 hour and call dropped or they disconnected!!! I have my call records.

I am right now jobless from last week because of COVID-19 reason and staying at Home and employer is not paying me. I am in trouble with very low balance in my bank account!!! I don't know how I will manage myself in this crisis situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Account Number XXXX RESPONSE TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS 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 2017-09-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling from a number that disguised as all 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 non-monetary relief
Consumer complaint received 2016-03-26
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt, they keep attempting to recollect the dept I paid in full.

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