BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I was sent a letter from a collection agency who was collecting for the point at XXXX. The amount I felt was out outrageous I entered a complaint with XXXX and equifax to dispute the amount. This was done on XXXX/XXXX/2015. This was initiated by my lawyer at XXXX They then asked for an accounting history to prove the amount due. on XXXX/XXXX/2015 I called for to dispute the amount again tellling equifax that the amount was wrong and that we need to look at the accounting history. When eqifax got back with me I was told by them that the creditor insitsted on the amount and that " They did not have an accounting history available : I then spoke to superviosor XXXX at equifax and told her that according to the law section 611 5 A that they needed to look at the accounting to prove the amount owned todate thiis has not been done it has been over XXXX days. The law states that they have XXXX days to get back with a responce and furnish the information needed to clarify the amount, Another dispute was entered on XXXX/XXXX/2015, The previouse dispute said they did not have the accounting available since it has been XXXX days I am requesting that this be taken off my credit report an investigaton has not been done according to the law, The law states that if an investgation is not done XXXX dollars per item will charged,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
For the last three months I have been harassed by Portfolio Recovery Associates alleging that I owe a payday loan from XXXX. I have no knowledge, no paperwork, no site information or no loan number of this payday loan they allege in the amount of {$300.00}. Secondly, the statute of limitations has expired in California for them to collect on this " alleged '' debt. I have sent them a cease and desist letter, yet they keep calling my home and my daughter 's cell phone. Apparently the lawsuit executed by CFPB against them has not worked as they are still using false and erroneous information and threat tactics ( they threatened me over the phone with a " warrant '' ) to get money that they can not even prove that I owe. And even if I did owe it, ( I 'm not saying that I did owe it ), the statute of limitations to collect on debts in California is 4 years. We also declared Chapter XXXX bankruptcy in XXXX, which was discharged XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
T he Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries  : 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 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 2020-08-14
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Principal is not being applied. Including a {$200.00} principal only payment. The loan balance continues to rise even after payments are made. Several payments were made months early, yet some of them have been " applied '' as 100 % 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 2023-01-23
Company: Experian Information Solutions 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:
Experian has been refusing to remove a credit card and a collection from my credit report. I have filed numerous identity theft disputes with a valid police report for XXXX XXXX Police Department. My identity was used by a family member that temporarily stayed at my residence. She used my info to obtain credit and other goods. Ive been fighting with Experian since approximately XX/XX/2022. They have not been so friendly.

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 2022-05-20
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been trying to get the title for a lease vehicle that has been paid off since XXXX XXXX XXXX. The original title was sent in with the payoff check in XX/XX/2021. I kept calling to see where my title was. XXXX said they did not get my title. They got the check and the paperwork. They said it was my problem. They said it needed to send an odometer reading, which was done many times. Then they said I had not paid my personal taxes. They never sent them to me because they had no interest in the vehicle. I have been hung up on, screamed at and called a liar. I paid personal property tax for a state I have not lived in for XXXX years because they said if I pay them they would release the title. That was XXXX months ago. Now they say a duplicate title was sent to XXXX XXXX but it was filled out incorrectly. XXXX says they will not sign the title, even though they sent a no interest letter. I have been making payments to my credit union for a year, but still have no title. My tags are up at the end of XXXX. I will have to pay a XXXX dollar penalty for not having my new tags. This is not right. I paid personal tax for the wrong county and now I have to pay a penalty for something I did not do. Please help. I dont know what else to do.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: MD
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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2022-05-20
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought music equipment from the merchant. It was several items. They sent in two separate shipments. One shipment arrived and one shipment was returned to the merchant. The merchant will not credit me for the items I didn't receive and they will not respond to my requests for a refund. Paypal Credit/Syncrhony Bank will not help me and refuses to chargeback the merchant. I have sent proof from XXXX that the merchant received the items back and I supplied emails stating the merchant would refund me upon receipt of the items. Paypal credit has denied my dispute 3 times now and will not provide me with a reason.

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 2017-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I reviewed my bank of America checkings account today I noticed that the bank has been charging me Monthly Maintenance Fees for XXXX months now. I now realize they have a rule where a fee will be charged If I do not have at least XXXX qualifying direct deposit of {$250.00} or more OR I do not Maintain a minimum daily balance of {$1500.00} or more. BUT the FACT is I have XXXX accounts with them. A core checking,, a joint checking, savings AND a business checkings account where I have direct deposit of {$3900.00} or more every week. Inspite of giving the bank business, it is incorrectly charging me so much in fees which I believe in wrong and it is directly deducting the fees out of my checkings account without my permission or knowledge. IF i dont audit my account balances I will not even realise. This is cheating. If they want to charge me fees, they should warn me through email or calling me and offering me to a solution to avoid fees including closing some accounts! I want all my money that I was charged in fees back even if it means closing some or all of the accounts. My wife also has XXXX accounts with bank of america and I will consider closing all of our accounts if you continue to charge me frivolous fees and dont refund my fees. I am giving you business but you are ripping away my money!!! what a scam. Call me on my mobile phone if you ever want to talk dont secretly keep charging me fees and take away my hard earned money.

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 2016-12-16
Company: Williams & Fudge, Inc
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I Do not know of Williams and fudge collections with a student loan amount from XXXX university. I do not know Williams and fudge and requesting to be removed as it 's reporting to the CB and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Unauthorized inquiries on 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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are 5 accounts reporting on my credit that in fact do NOT belong to me. I have called them, filled out affidavits and I feel like a victim all over again. 
capital one bank acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I sent an international wire transfer of {$9900.00} USD from XXXX to my Wells Fargo account in America. The first 3 digits of the account number were missing in the initial transmission so the funds ( {$9800.00} ) inadvertently went into another Wells Fargo customers account, even though the name and account number did not match. On XX/XX/2022, my remittance bank ( XXXX ) submitted an amendment to correct the account number. And then on XX/XX/2022, the remittance bank submitted a recall of the funds. 

I went to Wells Fargo on XX/XX/2022 and a complaint was submitted through banker A. Banker A said she can not directly call the customer who had my funds, but her bank manager could. I went to Wells Fargo 2-3 days later, either on XX/XX/XXXX or XXXX, 2022 and was told by the bank manager he can not take any action or do anything to assist me. The same day I visited the bank manager, the incorrect recipient transferred the funds into another account. I suspect communication took place between the bank manager and the incorrect recipient without any follow-up or without my knowledge. The funds were untouched for over a month until I visited the branch manager. I visited another Wells Fargo Branch location on XX/XX/XXXX, where Banker C followed up on the recall. However, since the recall was submitted on XX/XX/2022, Wells Fargo has made the required amount of attempts to the incorrect recipient and closed my case.

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 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance with my lender on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. I confirmed Bank of America had my full and complete application and all financials ( See letter attached dated XXXX/XXXX/2015 ). Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015. I am told per RESPA-Mortgage Servicing Regulation X XXXX, my lender is not supposed to move forward with foreclosure if I have an application submitted 37+ days prior to a any sale date. My application qualifies within that time period and I feel my servicer illegally recorded a notice of sale against me and is therefore is now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. The most recent letter ( Attached ) states I have until XXXX/XXXX/15 to provide additional documentation. Although I have already submitted this paperwork on XXXX/XXXX/15, how am I going to comply if I now have a sale date hanging over my head for XXXX/XXXX/2015??? I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions seem to violate RESPA Reg X ( XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR : XXXXXXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2016-04-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been enrolled in an Income Base Repayment Plan for a few years now with my federal loans through Navient. I recently submitted my recertification so I could continue to be enrolled in the IBR plan. I had not heard back from Navient so I decided to be proactive and give them a call. The first representative I spoke to said that I filled out the application wrong and as a result the application was denied. I demanded to speak with a supervisor. The supervisor told me that there was nothing wrong with my application and that she would push it through the process. This is unacceptable because if I had not been proactive my application would have been denied and I would have lost my IBR and would have seen my monthly payments go up over {$400.00}. This is not the first problem I have had with Navient and not the first time I have been given misinformation by their representatives. As a result of their negligence and misinformation I have seen my total loan balance with the company skyrocket. The company never once informed me about IBR plans, instead in the past they pushed me into loan deferments and forbarences that resulted in interst compounding and my loan totals doubling. I had to do my own independent research to discover that I was eligible for IBRs an lower payments. I have had nothing but years of problems with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a judgement which is not mine with this company # XXXX and they have not responded. I need confirmation they removed this inaccurate listing. Can you please help me find out?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: Nations Recovery Center
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
My XXXX XXXX XXXX daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So it seems maybe I entered my follow up complaint of this company incorrectly. This is a follow up complaint to my initial complaint. This third party debt collector Eastern Account Systems stated they received my validation request XX/XX/22. This was a lie that I have proof of which I will include again. They received my Debt Validation request XX/XX/22. In any event, I still have YET to receive any correspondence from this third party debt collector except for their response to me filing a claim with you the CFPB. According to the law, they need to respond to my request XXXX writing with ALL of the contents Ive requested pursuant to XXXX XXXX XXXX. This company DID NOT respond whatsoever to my request within the allotted 30 day time frame from XX/XX/22 ( in which I have proof they received it ) or the XX/XX/22 in which they claim. Pursuant to this law, my debt is INVALIDATED AND NEEDS TO BE REMOVED FROM MY CONSUMER REPORTS AS WELL I A SEEKING DAMAGE RELIEF. It may have seemed like a duplicate complaint, but it was actually addressing Eastern Account Systems response. Also, If they had any legal right to collect on this alleged debt, they would not have to seek any validating information from anyone else.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation