BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been requesting a method of verification for the bankruptcy listed on my report since XX/XX/2021. I haven't received a valid response all I have received is a generic letter each time. I have sent the same letter to the other 2 bureaus as well XXXX deleted the bankruptcy off of my report. I am still waiting on a response from XXXX. I have also requested them to correct my name because it is incorrect. I also have attached the last letter that was sent to TransUnion.

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 2015-11-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently in the process of obtaining a new home loan XXXX I disclosed to them that I filled for bankruptcy XX/XX/2013, and that at no time was my current home mortgage included in that bankruptcy. I continued to make timely payments throughout. The Bankruptcy has now been discharged and I am in the process of buying a new home. During the process of obtaining the new loan XXXX has found that the loan holder of my previous mortgage ( for which the property is now a rental and I still own it ) was not reporting my payments to the credit agencies and the agencies are reporting it as foreclosed. This is absolutely incorrect. I have asked that the loan holder ( Wells Fargo ) update this information to the credit agencies showing that I have made timely payments, and have remained current throughout the duration of the bankruptcy and afterwards. I have all supporting documents showing payment history and a letter from my XXXX Attorney stating that the mortgage was never included in the bankruptcy to begin with. After 6 weeks of back and forth with WF they say that they have removed the dispute, but they will not confirm this to the credit agencies. My new home is ready to move into, but I can not due to my information being erroneously reported to the credit agencies and WF 's unwillingness to help correct the matter. They insist that is up to the credit agencies. I am now 1 week homeless and no closer to closing on my new home. I need help in having this matter resolved in a speedy manner, please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
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:
My name is XXXX XXXX I have been asking navient for a better monthly payment. The amount they bill is to high, can not pay that much. I graduated last XXXX 2016 I have not found work yet but I have been XXXX and I have send them my pay stub and tax papers my husband has not worked for the past 10 years. it looks like they are giving me a run around, please see if you can help in this matter I would appreciated XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: TX
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:
UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX bac XXXX XXXX XXXX XXXX, XXXX GA XXXXThe parties above, Has all committed Fraud and not allowed me to apply for short sale by home and by NOTgiving me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Has committed Fraud by not giving to me the correct " notice '' that B of A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXResend and STOP THE Foreclosure, HAVE THE BANK WORK WITH ME TO START A SHORT SALE AND HELP ME TO KNOW FOR SURE WHO IS THE CORRECT SERVICING LOAN MORTGAGE COMPANY. 

The parties below, Have all committed Fraudand are planning a foreclosure sale on XX/XX/2015 in XXXX XXXX GA. 
Bank of America Mortgage XXXXandXXXX XXXX XXXX XXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by not giving to me the correct " notice '' that Bof A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/22, I visited the XXXX XXXX furniture store on XXXX XXXX. in XXXX, OH. Upon entering the store, I was told that they had two financing options were available, a three month zero interest financing plan available to everyone and a 12 month zero interest option available to well qualified customers. After filling out the financing application in the store, I was told by the store representative that I qualified for a {$2000.00} credit line at the well qualified buyer rate of 12 month zero interest financing though Fortiva Retail Credit. At the point, I decided to purchase a living room furniture set costing {$1300.00} using the offered 12 month zero interest credit line. On XX/XX/22, after making a number of on-time monthly payments, I looked at my credit statement for Fortiva, and was surprised at how much was still left to pay off. After further investigation, I discovered that I was being charged 29.99 % interest from the time of purchase! I immediately called the Fortiva Customer Service line and was told that no type of promotion was found in my file. I was then directed to call the store, XXXX XXXX, to have them apply the financing promotion, and that I would be credited back the unfairly applied interest once this was done. On the morning XX/XX/22, I called XXXX XXXX. After going through the issue with the store manager, I was told that the promotion is something Fortiva handles and the store has no involvement. After making several more back and forth phone calls, I was ultimately told by the XXXX XXXX corporate office that they were aware of this misleading promotion, but there was ultimately nothing they could do. I feel completely taken advantage of by both XXXX XXXX and Fortiva Credit! I made this purchase under complete false pretenses, and had I known that I would be charged 29.99 % interest immediately, I would have either paid for everything upfront or sought other financing options at another store. I paid off the full balance today to prevent incurring further interest, however I absolutely feel that I should be refunded the two months of unfair interest that I unknowingly incurred as well as the {$79.00} application fee! This is an absolute scam and I want to ensure that other customers are not egregiously taken advantage of in the same manner I was!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Syndicated Office Systems/Central Financial Control is attempting to collect Medical Dept for {$270.00}, which was not covered by Medical insurance at that time from XXXX 2014. Already paid {$950.00} out of {$1200.00} to XXXX XXXX XXXX Hospital which is part of TENET Health Systems. Collection Agency CENTRAL FINANCIAL CONTROL posted collection information to Credit Report Agencies negatively impacting me badly. Now my credit score is in XXXX 's. It was in the XXXX earlier and now I I am badly affected when I am attempting to get a mortgage to buy a home. They are also causing difficulty by contacting me 2-3 times daily on our cell phone number.

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 2017-02-06
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Since my repayment started almost 1 year ago the payment has been too high for me to afford. I called them as soon as I knew what the amount would be per Month but they told me there was nothing I could do and that I made enough to make the payment, which I did not. After losing my job 3 months ago I started to get behind on payments but still they told me I had no other options for repayment all I could do was put them in forbearance which would cost {$150.00} per loan or default on the loan. I started receiving calls multiple times a day when I was behind and when I would answer they continued to tell me I had no options. Finally after being 4 months behind on my payments, racking up a lot of late fees and them raising my interest rate on each loan by almost 1 % they said I could do a different repayment plan. That took my payment down a lot but I had to make 3 months payments on time before I was actually enrolled in the plan and the plan only lasts for 12 months. I enrolled in the plan, made the payment on time this month and they continue to charge me late fees on all of my loans. They also reported to the credit bureaus again that I was still late even though I made the payment on time. They told me nothing would change in their system until I made those first XXXX payments on time so it still shows I 'm now almost 5 months behind even though I made a payment and that means they will still report to the credit bureaus that I am missing payments plus charging me those late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: TX
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:
UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So i decided to look at my credit report because I'm looking to purchase a car, only to find all of these different items on my credit report. I'm super confused as to how those accounts are there, must be another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: AFNI INC.
State: PA
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:
Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: CO
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 received an email that has the " appearance '' of officially being from Experian. In addition to there being no reason Experian should be contacting me with the type of information contained in the email there are other elements that make me question the authenticity of it origin and intent. Addtionally, if this is in fact an email actually originated by Experian, I do not think it is appropriate and I do not think it should be legal for them to contact me in this manner. 

I tried contacting Experian directly to determine the legitimacy of the email and lodge a complaint, and to determine if in fact it is a legitimate email and a part of Experian 's current business model. I could not reach anybody to speak with in person. I believe that also should be illegal, as these reporting agencies have so much power regarding an individual 's financial options and abilities in the consumer marketplace. A consumer should have the right and ability to speak to a real person to open a " case '' ASAP without having to blindly submit more personal information electronically with no accountability on the part of Experian or any of the other reporting agencies. 

I would like to speak with a real person at Experian ASAP to have them hear my concern and tell me if this is an email generated by their team. Obviously if it is not, then they should be made aware that there identity is being used by someone else, likely for nefarious purposes. 

The mere fact that I have had to resort to this reporting system to obtain some piece of mind should be evidence enough of how wrong the current status of accountability with the reporting agencies has become.

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 2016-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Hello I applied for XXXX due to being let go from work. I was granted XXXX they begin to issue payments according them to bank of America but I have not received them.. Bank of America is giving my money to someone else, and claiming that I did a bank transfer years ago they claim money is going to some account I have no idea what they are talking about or referring too. I have not given any permission to transfer anything anywhere. My rent and car note is due I need to pay my bills. I am asking that Consumer Financial Protection Bureau help me to get the funds owed to me from Bank of America. I am also asking your help to prosecute those that are using my money and the bank of America representative that is putting the money into the wrong account. Bank of America is giving me the run around. I am owed quite a few payments per XXXX around XXXX or XXXX. I am not getting anywhere with bank of America and XXXX seems not to be able to help as well. I look forward to hearing back from you urgently and I pray XXXX that you will be able to assist me. Thank you, 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 2015-07-01
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CBE XXXX is n't willing to send me the amount that I owe. I have tried to correct my address so they could send me information ( has n't been corrected yet XXXX and tried to get them to email me my amount owed XXXX has n't happened ). When I called to complain tonight, I was told they would have to wait XXXX days before they could send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi my name is XXXX XXXX. Fraud was done in my account in XXXX of last year for {$3000.00}. I reported that I lost my case with my license and bank card in it to bank of America. They credit my account the money back until they investigate it. XX/XX/XXXX the too it back without even letting me know anything and took all my money out my account. I lost my job so that includes my paid pto time, vacation time, and my pay check I just got paid. I called bank of America to ask why they did it and they told me because the person had my address, and my name. I told them that's what was in my case. Since then they said they would reopen it and check everything again and it will take 60 days to do so. I told them they took all my bills money and everything I am behind in everything. All they say is they can't do anything about it. 2 weeks later or more I checked my account online and it said congratulations the funds will be paid to me. I looked and nothing never showed up. I keep calling and they said they still refused to pay it. Every since then the case been open and closed 3 times and they refused to pay me my money except for {$5.00}. I asked why send me {$5.00} dollars and don't send me the other? And they said it's alot more it takes longer. I been calling and wrote a letter and still nothing. They have made all my bills behind, car about to be repo, marriage issues and everything. They have made my life a living XXXX!!! I need help and fast as possible to get my money back. Also I been Seeing bank of America on the news. I been trying to get channel XXXX news involved for the time being also to see what they can do also. So if yall can do something I will appreciate it. Thank u!!

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