BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Hello on XX/XX/XXXX my brothers Bank of America account was hacked and he was charged with three XXXX transactions {$110.00}, {$160.00}, {$34.00}, the package had also shown up to our house, my parents called XXXX right away and they told us to file a. fraud claim with the bank. So my parents filed the claim and Bank of America resolved the claim, they gave back his money and my parents decided to close my brother bank account since they thought it may be hacked again, so they went to Bank of America and we asked if it's safe to close the account and that the claim will not reopen, they said its okay to close the account, so we closed it on XX/XX/XXXX. Then on XX/XX/XXXX my Bank of America account was debited three charges of {$110.00}, {$160.00}, {$34.00}, I was confused and called the bank, they said they reopened the claim since XXXX denied the funds and since I had a joint account with my brother they took the money out of my account, even though we were told closing the account meant that the claim was closed, but I guess not, they took this money out of my account, then all of a sudden on XX/XX/XXXX I was returned {$160.00}, from the claim but they still owe me {$150.00}, I have been calling Bank of America almost every day since then and they are giving me random answers and are refusing to help, I even went to my local Bank of America financial centers to see if they could help, and they couldn't, I was then told to contact the merchant of the claim which is XXXX, I called XXXX on XX/XX/XXXX and they told me that they can not do anything since the charges are from almost a year ago which is understandable, but just makes me so livid since I really need the money to pay for college in the fall. Every time I called Bank of America I received many different answers such as, one lady said she will withdraw the claim on my account and my money would be retuned in 3-5 days and I waited two weeks and got nothing, another lady said she will tea sit to her supervisor and that he approved that I should get my funds in 3-5 days and still got nothing. Bank of America really gave false hope and I just want this issue resolved and my money returned, I hope you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently viewed on my XXXX Credit Report a hard hit Inquiry by EQUIFAX MORTGAGE SERVICE. I do n't recall authorizing EQUIFAX MORTGAGE SERVICE to run my credit. I am not in the market to be a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I received my credit report from Equifax on XXXX XXXX, 2016 ( # XXXX ). I pulled my credit report form Equifax # XXXX on XXXX XXXX, 2016 and still have negative account info listed for # XXXX and XXXX. If you view the attached Equifax report it clearly states the history was deleted on report number XXXX ; however, this stilled displayed on my credit report. Also, all old address should have been removed from my profile as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
National Credit Service is a collection agency who do n't want with consumers who use bad languages to customers do n't want customers to take care of there collection. They way they talk to customers is a shame .They have a lots complaints with the XXXX have they have n't solve because all this company want to do is keep an collection on your credit for 7 years because they know that can do that and customer need them delete that collection off of there credit report they do nothing to help settled the debt or make arrangements to customers. I 'mean affaid to call this company back to discuss my debt with them because of there representative abusive mouth and management who also do the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Navient Solutions, LLC.
State: NV
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:
During XXXX, I was attending XXXX school at least half time. Navient, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that Navient was demanding payment. I spoke with a representative from Navient, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. Navient also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, Navient continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan.

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, Navient continues to report my accounts as 90 days delinquent. Navient is violating the FCRA, and/or other laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX has posted XXXX negative marks to my credit. XXXX, XXXX, XXXX, and XX/XX/XXXX. Additionally XXXX, XXXX, and XX/XX/XXXX. They claim I owe {$350.00} charge for a paramedic from XX/XX/XXXX. I never received any notices of this charge, and was unaware that I owed anything. I didn't receive care from a paramedic on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this account on many occasions. Finally, i had enough and asked since XXXX XXXX continues to report this account please send me a signed " agreement between me and XXXX XXXX XXXX. I finally received the document and here is what i found. The original account # with XXXX ( original creditor ) shows XXXX while XXXX XXXX shows for original creditor # XXXX. No initials on this " payment agreement ''. Signature does n't even match signature on my license. Balance even shows XXXX but shows different amount on credit report. I want this account removed immediately from all credit reporting agencies. i have included copies on all supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion re- inserted a previously deleted unknown public record account on my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed.

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 2022-10-15
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX. I am the living person, I am XXXX. I am submitting this complaint. No 3rd party involved. No Authorization needed. THERE ARE A FEW ACCOUNTS OPEN WITHOUT MY KNOWLEDGE. MY PURSE was stolen or misplaced WHICH HAD ALL MY INFORMATION IN IT i was not able to locate it during the months i was sick fighting for my life During the time I was fighting COVID-19 I was I REPLACED ITEMS THAT WAS LOST IN MY WALLET I DID REPLACE MY ID AND SSN CARD. I ALWAYS USE MY XXXX XXXX XXXX MAIL SINCE ITS MORE SECURE THEN THE APARTMENT MAILBOX NOW IM SEEING DIFFERENT ADDRESS THAT IM HAVE NO IDEA ABOUT ON MY CREDIT AND NOW I FOUND OUT THRU MAIL I HAVE CREDITORS ASKING FOR MONEY AN THREATENING ME AND FAMILY MEMBERS. I DID HAVE AN INCIDENT WITH MY CELL PHONE SIM CARD KEEP GETTING DEACTIVATED I HAD TO KEEP GOING TO THE STORE AND GET A NEW SIM CARD EVENTUALLY A NEW PHONE TOO BUT THE IS ALL I CAN THINK. MY IDENTITY WAS STOLEN AND I NEED TO FIX IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-19
Company: Maximus Education, LLC dba Aidvantage
State: FL
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 was given advice by the lender in consolidating my loans. This advice impacted me in a negative way. First, the interest that I had accrued by that point was automatically capitalized making the student loan compounding. Secondly, the interest rate was simply averaged out over the loans. I could have paid higher interest loans off earlier helping me get out from under the debt. I know more now, but I was misled by the loan servicer through the consolidation process. I was never told by the account rep during our conversation that the interest would be capitalized. 

Date and actions On XX/XX/2015 the total of {$19000.00} was capitalized and I began paying interest on that amount. This was due to consolidation. That was an amount already interest with zero benefit to me as a debtor ( other than having a single payment vs multiple ). 

I am also unclear on why the amount went from XXXX -> XXXX during the consolidation process ( XX/XX/2015 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Auto Financial called my cell and house phone numerous times after XXXX. I have asked them to stop but it has continued. Also when they call during regular business hours its a robocall and no one picks up the phone so I get multiple calls a day with nobody picking up the phone which is disruptive and bothersome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Penn Credit Corporation
State: AP
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:
After fighting this once already with another collection agency ( XXXX XXXX ) and the originator ( XXXX XXXX XXXX ). And threatening legal action against both for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped ... now over a year later, another debt collecting agency is reporting the same debt on my credit report ( Penn Credit Corp ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in XXXX. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX XXXX XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after 2 missed months ). While I was XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a personal loan with Springleaf Financial, which has merged with OneMain Financial recently. I am unable to obtain accurate and timely information about my account and payments due from OneMain. On XXXX XXXX, 2016, I made a payment of {$730.00}. This was for reinstatement of the loan to current since I had missed XXXX payments ( XXXX - XXXX 2016 ). My monthly payment amount is {$170.00} on the XXXX of each month, so I assume the difference of {$32.00} included late fees? On XXXX XXXX I spoke with a representative about my XXXX thru XXXX payments. The representative explained that I was past due for XXXX and XXXX ( true ), and that the XXXX payment was due on XXXX XXXX as per usual. The total amount due was {$570.00}. I questioned this amount because {$170.00} XXXX 3 months is NOT {$570.00} ; there was a difference of {$45.00}. She explained that there were late fees outstanding and an NSF fee from XXXX 2016. This was a surprise to me because if I paid a lump sum on XXXX XXXX, all fees should have been included in the 'amount due ' when I made the payment. The rep confirmed the fees were not included. She stated that she would request a waiver of a {$15.00} late fee and payment of {$350.00} would bring me current until my XXXX XXXX payment of {$170.00} was due. 

Alas today is XXXX XXXX and my account still shows a past due balance of {$570.00}. I called OneMain to question why my payment of {$350.00} has not been applied, and what happened to the late fee waiver? The rep explained that on his end he can see an amount due of {$200.00}. I have enclosed a screenprint of my online account so you can see the amount online does not match what the rep instructed me to pay. He then came back and stated that the late fee waiver was not updated in the system because they are n't reflected until the payments post. Why has my payment not posted in 8 days? 

I am further frustrated by the lack of any valuable detail on my billing statements. They do not break out the origin of outstanding fees, the date said fees were incurred, how my payments are applied toward principal, interest, etc. I have attached several months of billing statements to substantiate this claim. These billing statements are as useless as the online account. The representative I spoke with today is now confirming that I only owe today 's payment of {$170.00} which I have literally NOWHERE in writing. The rep states that he can send a 12 month payment history to validate how my payments have been applied but I have no confidence whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please all the attached documents This is a follow up to the complaint XXXX With experian, they did NOT follow up with me they closed and opened a dispute in minutes ( I have proof ) they also violated many rights and lied please review all documents

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 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion XXXX ; Account Number ( XXXX ), Name ( XXXX Hospital ), Amount ( {$340.00} ) -- -- This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with.

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 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
there is someone elses name on my transunion credit report. the names XXXX XXXX is not mine nor do I know this person. My name is XXXX XXXX and always has veen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed the creditors information on my account, because the payment amount, balance, and last payment was reporting on trans-union incorrectly. Instead of receiving the information updated to show the correct terms of payment amount XXXX, balance XXXX, and last payment received XXXX/XXXX/16. Trans union took my auto loan off off my credit report and listed it as discharged CHXXXX BK. This account was reaffirmed in the CHXXXX, and has been reporting correctly until XXXX/XXXX/16 where it was wiped off my credit report completely. I have attached the credit report showing the error attached, and have also attached the Reaffirmation document for XXXX XXXX XXXX, showing the correct payment that it should be, my account is active and i am current. This also has caused my credit score to show that i have derogatory account on my name.

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 2015-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE SUBMITTED PROOF THAT A JUDGMENT AND A XXXX ACCOUNT APPEARING ON MY REPORT IS BEING REPORT INCORRECTLY AND AS OF TODAY THEY STILL SHOWING. HELP ME REMOVE THESE ACCOUNTS THANK YOU XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hyunday stilll contact me because I am late on payment since cov19 I been try to pay them. This morning I spoke with a person that say my payment are return in specific for the month of XXXX, I just verify me statement for XXXX and its was done for the amount of XXXX on XXXX I request a skip month because my work change as a promise I summit to Partial payments on XX/XX/2022, even if I dont have to pay that month in agreement with the extension l. Last payment its was effect for the amount of XXXX for XXXX and XXXX. Next payment on XXXX. They still say that I am late. This the reason my complaint they dont even provide a email to show them the payment for 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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The credit companies are not complying with their own policies in a timely manner.

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