BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/XXXX signed mortgage papers for {$12000.00} with Huntington Bank. The note was reaffirmed on XXXX/XXXX/XXXX. The loan has since been paid off and the account closed. However there is still a lien on my home and no one at Huntington Bank will take responsiblity for correcting the problem. They have admitted the note is paid but for some reason they do not know how to request the release on a mortgage that was paid off years ago. The latest person I spoke with ca n't find a record of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Progrexion Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Dear Sir/Madam I was member of creditrepeir.com, services for two years. 
On day, I was sign with creditrepair.com services, I was late with payment on my credit card due to sickness and death of my beloved wife and at same time we are was in major hurricane Harvey The are tell me, how late payment is easy to remove, and that will not take long. 
After two years, I was remove most of my late payments without any help from credit repair.com, buy always, the are telling me, how the are working hard to remove everything. 
I was also, notarized numerous letter, the are send to me, because, the are tell me, how creditors and credit agency will take my case more seriously. 

Every time I was contact creditrepair.com, the are was different story. 

Per some agent, XXXX was remove my negative item, and same day is re report once again, per some other agent, different account with XXXX XXXX XXXX, was remove, but the are never show on my report, per other agent, my credit is not in deliquwncy and I don't need hurry up. 

I have so many different story from creditrepair.com, that I can write bestseller book In two years with creditrepair.com from Utah, Washington State or Arizona, the are never seriously take my case and help me out. 

Also, after I was put pressure on them, the are close my account without my permission or any explanation. 

In two years, the are just collect my money for membership, without any help or explanation why they can help me. 

After I was done my research on line and also with some ex employee of credit repair.com, some of ex employee, the are tell me, they will not help me or they will take more time to pull as much money as they can. 

The are was numerous lies to me just to not help me out, but collect my monthly payment Also, per XXXX  agency, creditrepair.com has review of big F, and the are under Federal investigation. 

Respectfully XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I realized recently a fraudulent & sizable ( {$1800.00} ) check was cashed / deposited out of my personal checking account. The check was dated XX/XX/2019 and was completely fake, with a fake signature. I attempted to request my banking institution to look into it and also reimburse my account. They are not willing to do this due to the timing of when it happened being past their grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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:
In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX  account # XXXX has violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have settled my debt on a lower amount and although it has been legally handled with my lawyers it has still affected my  credit score, hara ssment at work, and daily life. Naive has pushed me to the darkest depth of  XXXX  and the continued issue of them incorrectly handling and not communicating account changes has been an issue for 3 years. The  XXXX  of this situation on someone beginning life has pushed me to the brink of ending it all. What type of life can you live with bad credit, and no way out of the  black  hole, and o ver 15k mo re in debt than any loan you received ... .that your mother applied for. This company ruins lives without any glimpse of caring. Bless the others who suffer from  XXXX  and are on the radar o f Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Kashable LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2019, I applied and was approved for a loan with this lender. I had to provide my ID, social security number, proof of employment, bank statements showing Automatic Clearing House ( ACH ) deposits from my employer, and set up an allotment and show proof. Kashable is a lender designed to help it's employees and federal employees with loans. 

However, I was told on XX/XX/XXXX that my loan would not be finalized because I have a business account and my loan would get rejected by my financial institute. I told the woman that is not true as my agency deposits ACH payments into my account and I never had any issues. 

I was then placed on hold and told that they will reach out to my financial institute as a courtesy to me but needed a manager on the phone. The manger XXXX was busy. I was told that I would receive a phone call later that day. I did not receive a phone. 

On XX/XX/2019, I reached out to Kashable under the impression we would be reaching out to my financial Institute to better address this concern Kashable claimed to exist. 

During the phone call XXXX told me something extremely different than the information I had heard the day prior. He told me that my business account was not a checking account which it actually is. He rudely told me we denied your application because you don't have a checking account. 

I then proceeded to ask could I speak to a manager. He hesitated and begin to deflect my questions. Then he finally told me that he was a manager and my loan had already been decided on. I asked to speak someone higher than his position. He told me that everyone is busy and he is the only one I could speak with because he is in charge. I asked him again who else could I speak with. He finally tells me XXXX I believe. I asked could I have his direct line he said they don't have direct lines. 

I asked could I receive a call back from him he explained that he will relay the message. I have not heard from this person and it has been about 3 hours. I was told I should hear something back within 2 hours. 

XXXX became very unprofessional and sound as if some of the information he was giving was not factual and made up as the conversation carried on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, 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:
in XXXX of 2019, i filed a dispute to the 3 credit bureaus ( XXXX, Equifax and XXXX  ) about XXXX XXXX  XXXX  ( Debt Collection agency ) to verify that this debt of a {$380.00} medical debt belongs to me by providing me with documentations that has my signature showing contractual agreement or remove from my credit report immediately! i also asked that directly to XXXX XXXX for validation in XXXX of 2019 without violating my Hipaa rights and they did not respond. XXXX  on XX/XX/2019 was not able to verify and remove the account from my report but XXXX  and Equifax claimed to investigate and responded the the account was accurate and verified. how is this possible without violating my Hipaa Rights and not showing me proof of validation and how is it that XXXX XXXX  sent the 2 collection agencies proof and not me when i submitted a request for verification??? I have disputed the account for nearly 12 months now and still they show me no documents and method of their investigation. so now Im asking C.F.P.B to step in and help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I tried to ask Wells Fargo if they could please help me investigate a scam issue that occurred to my account, but they refused to help with any issue as I 'm not a customer. I am a customer with XXXX XXXX XXXX that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for XXXX XXXX XXXX processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into a Wells Fargo account as I was instructed to. Neither banks are trying to help me recover the funds nor catch the scammers. The local authorities are n't able to do much if the bank does n't cooperate. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people.

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 2020-06-15
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: Was not notified of investigation status or results

Complaint:
I called Experian, XXXX  and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # ( XXXX ) but Experian, XXXX  and XXXX  still refuse to update the information. Experian, XXXX  and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian, XXXX  and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX  Experian, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian, XXXX  and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

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 2019-12-17
Company: Yamaha Motor Finance Corporation USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was recently notified By Yamaha Motor Finance Corporation U.S.A that my account was closed when I called in to make a payment. On my statement it was stated that I had not made a payment in 120-180 days. 

I tried to resolve the issue with them personally on XX/XX/2019 but they said that they had already charged off my account and that there was nothing that could be done. I felt was unfair and shady because it was such a small amount to be charge off. The credit card that I had was a {$15000.00} limit, and there was probably {$2300.00} left to pay off under 15 % of the usage. I feel like they are approving consumers for really high limits yet are very quick to close out accounts for their own purposes. 

I feel like this should be investigated, because even after I was told my account was charged off I STILL tried to make {$300.00} payment on the account. I got a confirmation email saying that this payment would be taken out on XX/XX/2019. The money was never taken out of my account once again. I feel like this is something that has continuously happened to me and that why this has ended up as a charge off account. 

I call in to make my payments and it is not being taken out of my account during the time set up. I feel like this is final proof that when I make payments they are not doing a good job at following up. It is the XXXX and there has been no pending charge from them. I gave them the correct banking information when I last spoke. I just called in again and they said their " system '' was down. I do not want to be penalized when I actually have been making payments but they are not following through with taking it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Automated Collection Services, Inc.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Attended XXXX College Success Program resulting in student loans of about 12k beginning in XXXX. Unable to secure meaningful full time employment, loans were in deferment XXXX balance about 15k with XXXX. This repeated until default after American Student Financial (? ) assumed loans without my knowledge. XXXX ACSI ( Automated Collection Services Inc. ) Contacted me. I immediately arranged payments for {$130.00} a month, {$500.00} down initially, for nine months. They refused to do business other than by phone despite a website and multiple mailing address. They sent screen print copies of my payment and their purchase of my debt for about 25k. They are claiming a new balance over $ 32k despite my payments. Repeated requests for itemized billing has been unsuccessful. Tried to resolve through XXXX, XXXX. Have not received any more return correspondence since XXXX closed case as unsatisfactory status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi, I went overseas with my XXXX XXXX XXXX daughter in XX/XX/2022. I called the bank and told them about my trip and not to put a block on it. Representative said that I made a note and your card will not go on block. when I arrived there, and I wanted to buy stuff for XXXX my card got declined. All i had was one bank of america credit card that I was suppose to use for making purchases on this trip. I reached out to bank of america multiple times and they put a block on my account and told me that I will need to come to the bank of america financial center in US. I was suppose to be there for a month. I had to take a loan with an interest over there and had to cut my trip short. 

when I arrived back home, I went to the bank in person and told them about the situation, they didnt do anything about it. 

recently i tired to setup autopay and they told me that they can not set up auto pay because they want the authorization again and that i never went to the bank in person what happened in XXXX. i told them I went there and that is how i am able to use my credit card and they said there is nothing they can do about it. 

I feel like they are giving me hard time and making unreasonable requests. I have an XXXX  and its hard for me to go to the bank in covid times over and over again.

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 2019-12-17
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the XXXX hospital several times over the last few weeks to give them the XXXX claim. They never answered my calls or called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score XXXX points without a change but they seem to be passive aggressively ignore my disputes

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 2019-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Experian 2 months ago concerning accounts on my credit report that I didnt open. I filed an FTC report as well as a police report. They completed the dispute and blocked all the accounts in question due to Identity theft. Recently as of today, Experian put these accounts back on my credit report. I contacted them to report what was done and they gave me no help at all. All these accounts in question were removed due to Identity theft. Now these accounts have been placed back on my report. This is not only unusual but I think someone that works at Experian has a personal vendetta against me for some reason. I have recached out to Experian 5 times and no resolution. Please 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 explanation
Consumer complaint received 2016-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Bank of America XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an " extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions, their access to my financial information and possibly reporting negative information to the XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Credt Reporting act XXXX XXXX Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX XXXX # # # XXXX, XXXX XXXX CO XXXX XXXX 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen 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 2019-02-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.

Company response to consumer: Closed with explanation