BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a confusing situation that was created by Bank of America and needs to be resolved the Bank of America.

I have a credit card that I charge XXXX recurring bills a month. I mailed in my check for the XX/XX/XXXX statement for {$38.00} and thought nothing of it. When the XXXX statement arrived there was an unexplained credit in the amount of {$3400.00}. 

Not knowing what to do I called the bank on XX/XX/XXXX to report possible fraud. My son was on the phone call with me at the time. We were told that it was possible fraud and is called an unauthorized deposit, Apparently people steal the payment and make a deposit on a false check. The hope being that they can get a refund for the extra deposit. 
In the mean time we called our bank and were told that our {$38.00} check was never cashed. 
We were told to pay whatever statement that we had and we did that. In regards to the over deposit we were told to sit tight and that they would investigate. 

On XX/XX/XXXX we received two identical letters stating that a payment was applied to our credit card by mistake and that they had adjusted the balance. 

When the XXXX statement arrived it showed that the over deposit of {$3400.00} was removed twice and that we now owed {$3400.00} in addition to the {$38.00} monthly charges and a past month charge of {$38.00} and in addition a late fee of {$21.00}. 

We called Bank of America on XX/XX/XXXX and were on hold for over an hour as they tried to figure out how they messed this whole thing up. They still don't know what happened and have promised to fix it but it's still pending and we owe {$3400.00} of mystery money plus a late fee. 
The insult to injury was the fact that the customer service rep was adamant that we owe a late fee of {$21.00}. My son tried to explain that the missing check from the XXXX payment was related to the fact that we had a mystery credit applied. We were offended by the presumption that we never actually sent in a check and this was some sort of contrived plan to get out of paying a late fee. 

This error has caused great distress for me and my son and that is not even mentioning the lost time trying to fix an error that was no fault of our own. 

Please help resolve this fraud.

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 2020-03-19
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2020, I applied for a refinance loan with my same current mortgage company, XXXX XXXX, simply to get a better interest rate and to also get rid of having to pay PMI insurance fee. 

Prior to applying to the refinance loan my credit score was listed at about 634 through both XXXX XXXX and also XXXX XXXX  which is available to me through XXXX XXXX credit card. 

After the " hard inquiry '' credit check was done, I received an update that my credit score had changed. At this time, I was shocked to see that my score dropped a whopping 63 points or so to a score of XXXX. 

I'm filing the complaint because this has got to be considered an excessive drop and I can not believe that there are no standards as to how much the reporting agency can drop your score for a credit inquiry. I am especially shocked because this is a refinance of the same loan amount and for a shorter term limit. It is crazy to me that these reporting agencies are NOT held more accountable -- -- please advise. 

Thankyou, 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 2020-03-19
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: Account information incorrect

Complaint:
My credit score was unjustly affected. My credit score was corrected at one point by XXXX everything has been corrected with the XXXX and an investigation was done to show this information was incorrect. It had been resolved at one point but it has again came up on my credit report taking a negative affect. XXXX has resoled on there side and states they are unsure why the credit bureaus keep adding to the 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 2022-08-04
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-03-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing this complaint after repeatedly requesting deletion of this debt from the three bureaus. Both XXXX  and XXXX have made the deletion. XXXX has not. This debt is part of an education scam that has been widely reported in the media. 

As you can see from what I will attach, this unvalidated debt has been handed off to a number of debt buyers. I wrote directly to XXXX XXXX at XXXX, the originator, last year and got no response other than being handed off to the debt buyer, Weltman, Weinberg & Reis. 

Below is the substance of what I asserted to XXXX XXXX at XXXX XXXX XXXX Dear XXXX : I appreciate your letter of XX/XX/2018. I have reviewed it with my client, Ms. XXXX, who countersigns this letter below. 

Ms. XXXX indicated two things to me ; 1 ) She  never went to XXXX and 2 ) The signatures on the paperwork so stating are forgeries. 

Her classes were in Arizona and XXXX XXXX University XXXX College had nothing to do with XXXX XXXX XXXX. Can you produce a document from the XXXX  system documenting her attendance in their system? 

This loan is in no way validated as every detail is either incorrect or forged. Until you can provide Ms. XXXX with the actual origination documents validating this loan, you must refrain from reporting to the credit bureaus. I am advising Ms. XXXX to retain a consumer rights attorney. It will be up to her attorney consider to criminal charges. 

My reading of the activities of Weltman, et. al.  would indicate the they have abused debtors in the past by failing to properly review : available data and documentation, the history of clients portfolios and types of accounts, which consumers were represented by attorneys, any asset reviews that had occurred, and bankruptcy information ; reviewing clients policies and procedures ; evaluating clients trustworthiness and legal compliance ; obtaining warranties as to the validity of the debts to be collected ; sampling documentation and terms of accounts ( including reviewing statutes of limitation and determining when arbitration is required ) ; and creating data scrubbing procedures and criteria to identify consumers who should not receive collection letters. '' Please, this fraudulent reporting is doing damage to me and my business. I request that whatever enforcement tools that are available be used to immediately remove this report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SECURITY FINANCE CORP
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
First, when I called Maverick Finance in XXXX Idaho, to make a payment they refused it stating it was n't enough money. Second, After calling me several times a day for weeks I asked them to quit calling and harassing me on 3 separate occasions. Thirdly, they have started coming to my home, yelling at me and demeaning me and demanding money that I do not have. They repeated that any money I could offer was not enough for them. They are bullying me and trying to intimidate me at my home. In my opinion them refusing payment means they do not want my money, they just want to abuse and bully me. I am now scared to answer my door, and my kids going outside for the fear that they might harass my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NY
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 am a human being. I am a living human being. I have rights under 15 USC 1681. 

XXXX XXXX and Experian is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX XXXXXXXX bank acct # XXXXXXXX XXXX XXXXXXXX bank acct # XXXXXXXX XXXX acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : 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 non-monetary relief
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2020, I applied for a refinance loan with my same current mortgage company, XXXX XXXX, simply to get a better interest rate and to also get rid of having to pay PMI insurance fee. 

Prior to applying to the refinance loan my credit score was listed at about 634 through both XXXX XXXX and also XXXX XXXX  which is available to me through XXXX XXXX credit card. 

After the " hard inquiry '' credit check was done, I received an update that my credit score had changed. At this time, I was shocked to see that my score dropped a whopping XXXX points or so to a score of XXXX. 

I'm filing the complaint because this has got to be considered an excessive drop and I can not believe that there are no standards as to how much the reporting agency can drop your score for a credit inquiry. I am especially shocked because this is a refinance of the same loan amount and for a shorter term limit. It is crazy to me that these reporting agencies are NOT held more accountable -- -- please advise. 

Thankyou, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Primary Residential Mortgage Company , the company loss my payment this month and has call me six- seven time over the last three week, I told the over and over I send the payment spoke to my bank they said it was sent ( I pay through bill pay on my banking page ), the call try to say the were concern about the tornado in XXXX XXXX but they seem more concern were the payment was, also brought up that may payment was late I said it been taken out of my account. I told my bank said they have it.. I can understand if it was late more then 30 day but it just seem a little harassing. I have had my hour cut at work and with everything are going on in the world right now that this is their priority. thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-09-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have previously filed a complaint with CFPB in regards to a credit freeze Equifax had half of Americans put on there credit when the had a data Breach. Now no one is able to get this credit freeze removed. Equifax sent me a form to fill out after my complain with CFPB which I promptly filled out and sent back to them with the needed information. They still have not removed the credit freeze. If they do not remove it promptly I am seeking legal counsel from Legal Action of Wisconsin. I do not understand why they do not take this freeze off all the accounts. First they breeched our Data and now they are putting added burden on us to get the freeze removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called USAA on XX/XX/2020 when I knew I was going to have a problem to the USAA collections department. They said the account was not here and sent me to the Auto loan department. The bill was due on XX/XX/2020. So at the time of the call the account was not late or past due. I called again asking what they were doing with Covid-19 nothing was said. I go into a chat today on XX/XX/2020 who tells me my account is over 30 days past due and that they can not do any deferment like I was asking on XX/XX/2020. I get XXXX on the call now XX/XX/2020 at who tells me 30 minutes after XXXX XXXX in the chat that the account is 4 days and they can not do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: NV
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 rewards from credit card

Complaint:
CitiBank XXXX XXXX Thank You Rewards Redemption ( cash back program ) On XX/XX/2022 I requested from Citi that my Thank you points ( {$320.00} ) be sent to me by check. Four weeks went by and I haven't received the check so I called XXXX asking about the check. They claimed to have sent the check. So I asked for the outstanding check to be canceled and have another check issued. They agreed. Another 4 weeks went by and I hadn't received the check. I called and was told that the check was returned! LOL I asked for the points ( {$320.00} ) to be returned to my account. On XX/XX/202 I received an email indicating that my points were returned to my account. Several days later, I then tried to redeem those points ( {$320.00} ) by having Citi deposit them to my checking account that they have on file. As of XX/XX/2022, my {$320.00} have not been deposited to my checking account. The points were returned and then deleted from my account. WHY? Are they trying to wear me out? Are they hoping I forget? They have a contracted obligation to honor my my Thank You points. Four months have passed since requesting payment of my Rewards Points!

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 2016-10-18
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
i received a letter in the mail saying i was pre-approved for up to an {$800.00} loan. 
My husband had just had an accident and he had broken his ankle and fibula. this was causing a lot of additional medical bills and co-pays. 
I went online and filled out for the loan, they said i could get {$800.00}, i choose instead {$400.00}. I read the brochure over and it never mentioned anything about the amount of interest or payments. 
I filled out the on-line application, within about 10 minutes i received a call from someone at Big Picture Loans. 
They went over the amount, the information, and verified my phone and pay dates I was told initially there would be 5 payments of {$140.00} every 2 weeks as a service charge for the loan. they mentioned that after that the loan payments would reduce the interest rate every 2 weeks. 
I was told if that sounded ok to accept the agreement and sign it on line and then i could print out all the documents. 

I printed the documents but my printer was not working right. 
i had to wait till the next day to ask my daughter to print them out. 
That is when i almost had a XXXX!!! I was able to look over the numbers and found out that i would be repayiing {$2200.00} on a {$400.00} loan, worse yet i found out that the finance charges were {$1800.00}, and an interest rate of 1825 %.!! 

None of this was mentioned over the phone. I was NEVER told the interest rate or repayment was going to be that much. I assumed that that is why the fiirst 5 payments went to a service charge. I thought i was paying 25 or 29 % interest. the amounts that show up in the documents were never ever mentioned. 

I have called to complaint but i just get a run around, you needed the money we gave it to you.no pay for it. 
I also was told that this was a tribal loan and i could not omplain to any government agency. that i would have to appeal to a tribal council. 
NONE of this was ever mentioned. It was never mentioned that i had a 2 day cancel period, whichis in the docs but never brought up on the phone call when i accepted the loan. 

This company is a scam! i can not imagine hw many other people have been caught in a bind and have fallen for the same thing. 
I have asked them and faxed them a request to stop ACH withdrawals from my bank account. I will look to resolve this in a reasonable manner. 
I do not mind paying a higher interest rate but, 18825 % 0n {$400.00} is a robbery!!! 
I am hoping you can investigate and help me with this matter

Company response to consumer: Closed with explanation