BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
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:
I am uneasy about the ability about communicating a dispute involving Identity Theft, I have tried on several occasions to electronically and telephonically communicate to Experian Credit Reporting Agency that I am a victim of Identity theft and never gave permission nor received benefit of the accounts and inquiries acknowledged. The Accounts and inquiries of concern are as follows : XXXX XXXX XXXX  Acct # XXXX ( {$8.00} ) XXXX XXXX XXXX  Acct # XXXX ( {$2500.00} ) XXXX, XXXX-XX/XX/19, XXXX-XX/XX/19,   XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX  XXXX-XX/XX/19,  XXXX-XX/XX/19

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 2017-07-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I obtained a sample online in which I agreed to have the company mail to me in the amount of {$5.00} -Eye Serum ... w.in 2 weeks later they tried to charge my CC an amount of {$89.00} ... I called my bank and advised I never agreed to such / there was NOTHING on line in which I would agree to such as I NEVER would have purchased same. they provided me temp credit and now I received a response from Bank stating they are reversing that credit onXX/XX/XXXX however failed to provide me ANY documentation ... They are NOT protecting me as their customer and this is NOT acceptable.. I never agreed to such and if the company is stating I signed anything it was NEVER online or via mail so it is FRAUD!!! I HAVE emailed Chase w. no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The only mail I have received was the beginning of the year in XX/XX/2022 of a collection debt from a XXXX XXXX XXXX of {$1800.00} I have written a dispute letter yesterday and sent it off. and I have asked multiple times to send out a itemized Billing and they wont. I have called today and was threaten that I have a court date in XXXX over {$2000.00} of being sued. Again, wont tell me everything that I owe and wont break down costs. Asking me personal questions about where I work and if I still work there and if I own property or a home. I have paid them {$500.00} today as of XX/XX/XXXX, XXXX and I havent received anything yet in mail of any type of receipt or anything. I have never been in this situation before. I honestly thought my insurance had covered it all through my hospital. But I havent received anything else by mail of being sued and requesting payment. I also dont recall giving them any permission to contact me or look at my medical records and my personal info. Thats a violation. And also had to find out by phone call today that I was being sued and will be served soon and was asking me questions about my work place. And yesterday I received a letter in the mail by an attorney saying I was being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last month I was charged interest for not paying my credit card on time. I missed the due date, and paid in full. In addition, this month I paid off my credit card entirely so that I wouldn't have any more fees. 

However, I was charged with a considerable interest fee this month because I was out of my " grace period '' when I didn't pay the balance in full last month ( even though I paid the interest fee and all other related fees ). They pro-rated the amount remaining after I paid last month 's fee up until I paid off the entirety of my balance this month, and charged me for *every day* because I was out of my grace period. The grace period clause was unknown to me, so I called Bank of of America to determine why I had been charged when my account was paid in full. 

When I called into Bank of America the representative described the fee and the grace period clause to me. I asked where this clause was located, and she said it was written on the second page of the monthly statement. I asked if the fee could be removed since I had paid in full, had already paid interest fees on the amount the previous month, and because the grace period clause was not well-publicized to me as a consumer. They refused saying it was written on the statement. I told them that it was a hidden fee, and they said I should have read all of the paperwork. I mentioned that even the U.S. government has not held that persons are responsible for reading the exorbitant amount of legal jargon on excessive agreement documents because it would be too onerous to do so at every juncture in which these agreements are determined to be needed. 

After I mentioned this, the rep changed tactics and said it wouldn't be fair to the other Bank of America customers not to charge me, because they were getting charged as well. I mentioned that, in actuality, Bank of America is actually being *unfair* to *all* of its customers by charging this hidden fee. I asked again if anyone could remove the fee, and the rep said that neither she nor her manager could remove the fee. I asked her if there is anyone else who could remove the fee, and she gave me the name of the CEO of Bank of America, XXXX XXXX XXXX. I asked her if there is anyone in between her and the CEO of the company who could remove this hidden fee, and she said that there was not. 

I believe her statement about fee removal to be false, that this is a hidden and unjust fee being thrust upon all Bank of America customers, and that this type of fee should be either removed or more well-publicized by the company.

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 2017-10-16
Company: U.S. BANCORP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a call from a company called XXXX XXXX today on XX/XX/XXXX ( caller was from XXXX, NJ but indicated they had 17 locations around the country ) from a XXXX number. Was given an XXXX number to call them back. Caller and " case manager '', XXXX, is claiming to be a mediator for US Bank ( for an account opened in XX/XX/XXXX, and says closed in XX/XX/XXXX ) and wants to to pay them about {$500.00} on the phone to avoid going to court for fees owed. They will not send me a notice or bill - they told me the next steps would be that I would see them in court. He did tell me my address and last 4 of my social which is worrisome. He also told me I have 30 days to settle with him over the phone. Called US Bank 's fraud department directly - they told me that is not a typical tactic of theirs and immediately told me that this had all the red flags of a phishing scam. 

I had received a call from the same number a few weeks back ( robot call that connected me to a real person ) where a woman asked for my name and social security number - I refused to give it to her, and she told me she would see me court.

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 2017-04-12
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In the beginning of XXXX I reviewed a copy of my credit report and found that National Credit Systems was reporting information on my credit report that I was unaware of. On XXXX XXXX, 2016 I mailed them a letter requesting validation of both of the accounts they were reporting. They only responded to one of the accounts and the other account they sent a letter but were only trying to get me to pay something they refused to validate. They did n't reference the original creditor or their contact information either in their response. I specifically requested a copy of the signed contract along with a break down of the amounts they were stating I owed. I ca n't understand how or why I could owe anything especially 2 different amounts. I know I put a deposit down on the apartment complex they are claiming I owe for and they do n't show any records of that. Instead they show me owing a balance of {$1000.00} then a second fee of {$2100.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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: Their investigation did not fix an error on your report

Complaint:
I have been in contact with all three credit bureaus and collection company XXXX XXXX XXXX c/o XXXX XXXX since XXXX XXXX, 2016 with no success ; XXXX XXXX XXXX is currently reporting invalid information to credit bureaus agencies I have never rented an apartment from XXXX  XXXX ; I have request Debt Validation and verification on numerous occasions neither companies have replied. Have filed formal disputes with all three credit bureau agencies and somehow they keep sending results back verified. How can they get in touch with anyone when I am using the same contact information listed on reports the phone number is valid the address I am believe to be accurate because no mail has been returned. I know this is not my account and if XXXX can not furnish information to submit debt within 30 days they need to stop reporting/ verified inaccurate information to credit 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 2019-12-19
Company: AMERICAN HONDA FINANCE CORP
State: FL
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CAVALRY INVESTMENTS, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cavalry Portfolio is reporting a 30 day late payment on a disputed collection account, that was taken to court, dismissed for lack of prosecution, disputed several times as identity theft, and yet they still insist I owe them a charge off from XXXX XXXX  that they bought XX/XX/2015. This was removed from my XXXX  after dispute. **They are trying to report 30 day late payments as if it were a new debt, which is illegal. ** I have repeatedly told them that this account has fraudulent charges opened by my step-daughter. I have no idea where she can be located at this time. 


CAVALRY PORTFOLIO SERV Original creditor : XXXX XXXX  {$2500.00} 0 % paid off Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2015 Account type Collection Department / Agency / Attorney Balance Loan Amount {$2500.00} {$2500.00} Payment Info Original loan amount {$2500.00} Balance {$2500.00} Updated on XX/XX/2015 XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/20, I paid and settled my Bank of America credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, Bank of America continues to verify a balance is still owed. Bank of America will not fix the issue either.

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 2019-12-19
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: NEW CITY FUNDING CORP.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I applied for a vehicle loan and was told that I had a repo from new city funding. I have never had a loan through them, so I checked my credit report and did n't see it, finally I found it. Only listed on XXXX of the credit agencies. Somehow I was added to a loan in my fathers name fraudulently, most likely though the dealership he purchased it from ( which is no longer in business they were shut down due to fraud ) they had my information because I almost bought a truck from them. ( XXXX in XXXX ny ). On XXXX 's credit report for me it shows it was updated in XX/XX/2017 with the creditor new city funding stating the amount owed on the loan is {$6700.00}. I reached out to new city funding in hopes to get this removed off my credit report by just settling the debt for my father. I offered them {$4000.00}. they replied back and said the total amount owed was {$11000.00}. Which is not the amount owed. It also states on my credit report that the original amount was {$8000.00}. They have recovered the vehicle and sold it at auction. So with that the debt would go down. No way the debt is {$3300.00} higher than the original amount. I called them out on this with photos of the credit report, now they refuse to reply to me through email. I wanted to talk to them through email so that I had my own record of everything they said. This company is trying to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The credit agency Portfolio Recovery Associates after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: BB&T CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been getting charged various amounts on my account. When speaking to the reps in the XXXX Arizona office, they ridicule me, they have cursed me, they have submitted unauthorized payments and hung up on me. When I asked for a copy of the phone recording the supervisor told me " you ai n't getting XXXX ''. I have started recording the calls myself. The other office locations are okay. But I am not able to get anyone to break down the charges other than the late fees and interest. Even the dollar amount on the interest is questionable. The interest is daily, but when I am late it looks as though I am being charged triple the interest.

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 2019-12-19
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: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX Amount XXXX Open XX/XX/19 Fraudulent account just received first collection letter in mail on XX/XX/2019 from XXXX  This account from XXXX was handled by a different company and has been paid up to date already I talk to XXXX they said they never sent account to XXXX  XXXX  they dont no how they got this account because account it paid and aargon is fraudulent

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 2021-12-14
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Flagstar bank and there is no escrow. I never consented to an escrow because I pay taxes an insurance myself. I recently changed homeowners insurance in which the proof of insurance was sent multiple times to Flagstar. I kept receiving letters that I had not provided proof of insurance so I called the insurance division. They checked and said that they had my proof of insurance. I also received a letter ( enclosed ) that they had my insurance info. So why have they tacked on XXXX XXXXXXXX escrow to my loan payment? My taxes and insurance are paid. I tried to change the payment amount and it wouldn't let me. I can't afford a {$1000.00} house payment on my social security so it will not get paid. 

They are having service issues with phone and website so I can't contact them right away to straigten it out. Can't call on the phone and couldn't chat on the website.

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 2021-06-15
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing this to report Sallie Mae for contacting family members that I dont even know and leaving voice mails with them about my private student Loan.

I have been out of work and struggling to pay rent and to pay my loans since corona I always paid on time and they have messed my payments up at times and admitted it over the phone and fixed it later messing up my credit.

In this instance they have called me non stop at ungodly hours and have also harassed my family members even ones I wasnt aware of their existence are reaching out to other family members sending me voicemails of Sallie Mae reaching out to them about my loans constantly this company needs to be stopped.

I have tried to call and work out lower payments but they wont budge on their payments to match up with what I can afford in any dollar amount this is a very bad company as they cant even work with people during the pandemic and you have to pay hundreds of dollars just to be in forebearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just spent 3 hours trying to get into the Experian dispute site. I uploaded my drivers license and documents, over and over and over. It either timed out or said had to be in B & W. Then had to be in a .tiff. When I made it a .tiff and B & W, it would time me out or still say it couldn't verify who I am. 

Since I could I only pick 1 box, here 's the first complaint : they are reporting a 9 year old Chapter XXXX Bankruptcy to my active part of my report, allowing my FICO score to be pulled down. 

I already disputed the accuracy of this. In XXXX, XXXX, and XXXX of XXXX. It's STILL on there. 

Because I couldn't get into their faulty site, I used a free service on XXXX, which only pulls the Experian credit. Well there, 9 full years later, it states my credit score is only XXXX because of a " derogatory public record ''. After 7 years they can't report this for the score. 

Then it states " Few accounts paid on time '', must be referring to the Bankruptcy. I have TWO accounts. 
One with a {$0.00} balance, never late. 
Another with a {$400.00} balance, never late. 

I'll continue this complaint under the correct header. They also have that I currently have 27 accounts. I have TWO! They are reporting one closed in XXXX, and another from XXXX. 

It's currently 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