BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
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 been banking with XXXX XXXX bank for years nowAnd recently i applied for an apartment through my XXXX XXXX  XXXX and was denied XXXX actually was told I had a XXXX  which is a lie I went downtown XXXX and got a letter proving that was a lie on my CREDIT REPORT and that my CREDIT SCORE was really badSo that lead me to investigate my history of CREDITAnd when I start investigating I realized that not only am Im being discriminated against but also REDLINED by my BANK and CREDIT bureaus like XXXX and other companies like them have straight up DENIED me CREDIT!!!! I can prove it XXXX XXXX has never approved any of my application not XXXX I am a single XXXX woman that never ever HAD XXXX credit card and XXXX XXXX XXXX XXXX and that makes me cry really hard because this BANK said they can never accept my application due to credit score.BUT they wont allow me to build any history with credit because they tell me NO to every APPLICATION. THAT IS DISCRIMINATION!!!!!!! I only have had a bridge card lately in life and on social security.This is absolutely WRONG.Due to HJR-192 UCC1-308 how is this at all lawful to deny me credit and then tell me its my credit why I cant get any loans. : ( wXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel used and I consider this bank XXXX and discriminating against meI tried calling asking the XXXX XXXX what is the issue and I recently applied for a truck OF COURSE DENIED & on top of it GASLIGHTING ME telling me its my credit and they will mail out the reason for denying meWhich I already know its because of this so called REDLINED CREDIT.I spoke to several supervisor and was treated like a child and talked to like I was absolutely nothing and told basically nothing that was LEGALLY ACCEPTABLEI also have recordings of how they talked to me and the sad excuses they came up with WHICH was not at all LEGALAt this point Im out of option and I want to sue them because I TRULY HAVE NEVER HAD A CREDIT CARD in my LIFEBlack families should have some type of support from the bank I get that you guys have to use us so how could you actually help us financially but honestly its the LAWHJR-192 and to be honest how would you feel if you if you were treated this wayIm an XXXX woman but not that behind to see when an organization is discriminating against meI want the same equal rights as any other person on this planet.Whats truly sad is that this corporation actually feels that its ok to deny me please investigate XXXX XXXX because I truly have been taken advantage ofUCC1-308 UCC3-603 UCC 3-306 UCC 3-104 15 usc1681 b XXXX is not okay at all and if youre XXXX XXXX XXXX FORGIVE 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 2022-10-14
Company: EQUIFAX, INC.
State: MI
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 been banking with XXXX XXXX bank for years nowAnd recently i applied for an apartment through my XXXX XXXX XXXX  and was denied XXXX actually was told I had a XXXX  which is a lie I went downtown XXXX and got a letter proving that was a lie on my CREDIT REPORT and that my CREDIT SCORE was really badSo that lead me to investigate my history of CREDITAnd when I start investigating I realized that not only am Im being discriminated against but also REDLINED by my BANK and CREDIT bureaus like EQUIFAX and other companies like them have straight up DENIED me CREDIT!!!! I can prove it XXXX XXXX has never approved any of my application not XXXX I am a single XXXX woman that never ever HAD XXXX credit card and XXXX XXXX XXXX XXXX and that makes me cry really hard because this BANK said they can never accept my application due to credit score.BUT they wont allow me to build any history with credit because they tell me NO to every APPLICATION. THAT IS DISCRIMINATION!!!!!!! I only have had a bridge card lately in life and on social security.This is absolutely WRONG.Due to HJR-192 UCC1-308 how is this at all lawful to deny me credit and then tell me its my credit why I cant get any loans. : XXXX XXXX XXXX XXXX XXXX XXXXXXXX get XXXX limits due to their parents demographics of life XXXX I feel used and I consider this bank XXXX and discriminating against XXXX tried calling asking the XXXX XXXX what is the issue and I recently applied for a truck OF COURSE DENIED & on top of it GASLIGHTING ME telling me its my credit and they will mail out the reason for denying meWhich I already know its because of this so called REDLINED CREDIT.I spoke to several supervisor and was treated like a child and talked to like I was absolutely nothing and told basically nothing that was LEGALLY ACCEPTABLEI also have recordings of how they talked to me and the sad excuses they came up with WHICH was not at all LEGALAt this point Im out of option and I want to sue them because I TRULY HAVE NEVER HAD A CREDIT CARD in my LIFEBlack families should have some type of support from the bank I get that you guys have to use us so how could you actually help us financially but honestly its the XXXX and to be honest how would you feel if you if you were treated this wayIm an XXXX woman but not that behind to see when an organization is discriminating against meI want the same equal rights as any other person on this planet.Whats truly sad is that this corporation actually feels that its ok to deny me please investigate XXXX XXXX because I truly have been taken advantage ofUCC1-308 UCC3-603 UCC 3-306 UCC 3-104 15 usc1681 b Discrimination is not okay at all and if youre XXXX May XXXX FORGIVE YOU!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a collection agency on behalf of XXXX requesting an amount not owed. I reached out to the original creditor to validate the service amount. it was verified that I did not owe what this collector is requesting. I am requesting immediate removal from my credit report as this is against the law for them to report a balance that is not due and that has been verfied by the original creditor not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My bank of America credit card was accidentally overpaid by an automatic payment that I had previously set up. On XX/XX/20, a payment of {$3700.00} was transferred from my XXXX checking account to my Bank of America credit card. This resulted in a negative balance of approximately {$2600.00} on my Bank of America credit card. I contacted credit card services at Bank of America on XX/XX/20 and asked for a balance transfer back to my XXXX checking account, which they are required to grant by federal law. They agreed to process this, but then I was told that as a routine matter, the fraud department would not transfer the money for 10 days. The 10 days elapsed on XX/XX/20 at the close of business. I have called customer service multiple times and they don't know why my transfer has not been processed, and they keep telling me that they can not get in touch with the department that investigates these transfers to see what is causing the delay. I would like to get my money transferred back to my checking account as soon as possible, and this unjustified delay is unlawful. The latest person that I spoke with is XXXX on XX/XX/20 ( ID number XXXX ) - she stated that she would send a note to the fraud department asking them to expedite this investigation, and promised to call me back by close of business today to update me on the situation, but has not called me back. I would appreciate your help in resolving 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 monetary relief
Consumer complaint received 2021-01-15
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Flagstar bank charged me an absorbent amount in overdraft fees on one charge that was paid back aside from about 50.00 - they closed my account with a negative balance of over {$700.00} and reported me to XXXX My current credit union is now threatening to close my existing account due to Flag Stars reporting. I have never been negative with my current bank, and had a very good history with Flagstar bank for many years. I am going through a divorce and the charge that hit the bank was caused by the other party. I am asking that the overdraft fees be waived and the negative reporting be removed from XXXX XXXX This has severely affected 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
Consumer complaint received 2020-03-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In the middle of XX/XX/XXXX, I went to my computer to check on my bank account that I have with Wells Fargo in XXXX, Oregon and I was shocked to see that a mobile app came in from my XXXX  XXXX credit card in the amount of {$510.00}, which paid off the credit card. I had some money in my account, but not that much, and it went in severe overdraft. The overdraft charges were over {$300.00} and still coming as the bills that are paid automatically kept coming through. When I went into the bank in XXXX of XXXX, I told the bank manager that I was going to open an account at another bank because I needed to find out what happened. 
I called XXXX XXXX and they denied everything and said that they could not help me. 
I put a claim into Wells Fargo and waited for a response. Wells Fargo stopped payment for the {$510.00} but there was still all the overdrafts. 
On XX/XX/XXXX, when I called Wells Fargo and talked with XXXX, the bank manager, and she said to me that when I came in to tell her about the mobile app in XXXX, she said that I told that I told her I overspent that month and would she help me out with the overdraft charges. That is so not true, either she does not remember or she is not telling the truth. Then she connected me to the claims dept at WF and I talked with a  claims person and he told me that the mobile app came in XX/XX/XXXX and that is not true, it was in XX/XX/XXXX. I do not think they would want to perjure themselves in court. People are all telling different stories and I do not know why. I am a senior citizen and I believe some people are taking advantage of 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
Consumer complaint received 2022-03-28
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a quote from XXXX XXXX  for car insurance but never authorized them to bind the insurance. I was invalidly charged for coverage for {$580.00} from XXXX when I had insurance with another company. I contacted the agent ( XXXX ) and they were able to confirm with XXXX that the charge would be removed and was improper. I disputed the credit report through XXXX. I provided the documentation of invalid debt to the collection agency, Credit Control Service, proving that the debt was not valid, but they refused to remove the debt from my credit report and continue to update the debt as valid monthly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022 Pursuant to the Federal Truth in Lending Act ; I requested the return of my deposit in the amount of {$1800.00}. 
Pursuant to 15 U.S. Code 1692 ( k ) ( 1 ) I sought damages in the amount of {$42000.00} as well as damages for each violation in the amount of {$4000.00}. I also requested the cancellation of any lien against my property, within ten ( 10 ) days as required by law. 

In return, was sent a letter from the dealership dated XX/XX/2022 stating. " Thank you for your request. We have reviewed your account & have verified that you still owe the amount due under the contract. Additionally, we have determined that you are still in possession of our vehicle. If you have any further questions, please contact us at XXXX. We are available from XXXX XXXX to XXXX XXXX Arizona time, Monday through Friday, Saturday XXXX XXXX to XXXX XXXX '' They are attempting to collect {$38000.00} on a {$19000.00} loan. Charging me {$16000.00} at an annual percentage rate of 23.111

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
PLEASE DO NOT OVER LOOK!!!!!!!! THIS IS A NEW ISSUE ... FALSE CLAIM Capital One has continually tried to keep extorting me financially. In their last discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} credit in XXXX. That credit should have been applied to my XXXX payment. Which means that I do not owe for XXXX as they claim. 

Most recent discovery : On XXXX XXXX, 2016 they claim that they applied another credit to my account ; that credit should have been for the month of XXXX 2016. Which means that the month of XXXX payment has been satisfied. 

Capital One can not say that XXXX credit of {$170.00} was applied to XXXX because a payment was made for XXXX which they cashed. Therefore, giving all the payments and credits made for the 2016 year, how can the company still claim that I owe {$1200.00} for the same year and needs me to pay that before they can reinstate my account for monthly billing statement?? This is completely without merit. 
When credits are applied, should the credit not be applied to a particular month? Especially if you claim that the person is behind on the payment. So, what month did you apply the credits to??? 
I have called XXXX XXXX XXXX twice, from Office of the President, Financial Services Capital One. And, in both cases left him a message as always and he never called me back as always.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
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:
I was directed to use multiple forbearances by Navient instead of being directed to use an income driven repayment plan. I learned of the Income driven repayment plans from a friend instead of from the people servicing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To Whom It May Concern, In my attempts to pay off my loans with Navient early, they will not allow me to view my repayment allocation for the the years XXXX. My monthly repayment minimum was also reduced to extend my repayment timeframe even after purposeful extra payments to reduce it. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called and to let them know that I did n't have a job. I wanted them to put my loan in forbearance.They told that they could n't do that that, I would have to repay no matter what my circumstances. Not only was the agent nasty but down right mean. I had to agree to a repayment amount which I clearly could not repay. Even after I went over all my bills with the agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a discharged Bankruptcy from XX/XX/XXXX. 
Included was Bank of America account # XXXX for property address XXXX XXXX XXXX, MI XXXX. 
This account was discharged by a Judge. 
I have requested Bank of America to close the account more than 2 dozen times. 
I have filed XXXX Complaints. 
Engaged their Escalation department. 
Provided copies of my Chapter XXXX Discharge. 
They Continue to send me monthly statements with interest accruals and balance increases. 
They have place notices on the statements stating this is only for informational purposes ; however, have stated on the phone the loan needs to go through its normal process. 
They simply will not close out the account and continue to send sketch statemetns.

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 2021-01-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my XXXX Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: NEW YORK COMMUNITY BANK
State: NJ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I am XXXX years old, in poor health, living with my daughter in XXXX, and unable to travel except with extreme difficulty. I 'm writing because I am a long-time customer of the XXXX ( I used to live in XXXX ), a part of New York Community Bank. On XXXX XXXX, 2016 a CD of mine in the amount of {$15000.00} matured and did not renew. I want to transfer the {$15000.00} to my XXXX XXXX checking account via on-line banking, as I expect to need that money for medical treatment purposes. I have been told by the bank that I can not do so on-line but, rather, must travel to my old branch in XXXX XXXX, XXXX in order for them to allow me to move the money to my checking account. Until I do so, the {$15000.00} effectively is frozen, and I can not access it. I believe this travel requirement imposed by my bank to be an unfair and illogical requirement ( the bank can easily verify my identity over the phone ), and an extreme hardship for me. It will take me all day to get to the branch and back home, and the long car will be difficult and in fact painful for me. I ask that you assist me in this regard by requiring the bank to allow me to transfer my own money to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm a victim of identity theft I don't know how this person got a hold of my personal information but this is driving me crazy it's hurting me physically and mental also financially I would like this situation to be resolved thank 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