BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have entered into a income based loan forgiveness program with XXXX XXXX XXXX and noticed Navient myself and through the company. Since then I have gotten conflicting emails telling me different things such as I filed for forbearance ( which I did not ) and then a day later that my payments would resume. I also stopped payments with them and my bank for autodraft. Twice they have changed the way they bill the account in order to obtain their money and I have had to file a fradulent activities note on my account in order to get my money back. At this point this is fraud and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: GA
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:
My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts

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 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was negative XXXX in my account due to billI put a XXXX check inthe bank returned the paymentI have 2 issues 1 ) the bank should have covered the bill because of the check 2 ) when I first signed up for this account I had overdraft protectionwhen I called the bank I talked to a supervisor named XXXX and he basically said I was a liarI told him I have had overdraft protection and why arent they honoring that original contract..he told me they never had that which is a complete lieI have statements that prove I have had it in the pastXXXX hung up on XXXX bank is Bank of America

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 2019-07-24
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Repeated calls/voicemails from ‭+1 XXXX XXXX‬ posing as debt collection company “Collection Center Inc” asking to call back at XXXX in regards to a collections.

I don’t have any collections, and appears to be a scam, I’m also on the National Do Not Call registry, so I shouldn’t be getting sales calls if that’s what this is either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NJ
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:
You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Below is the inaccurate item : Late Payment XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: SUNTRUST BANKS, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called several times about the excessive late charges over 7k I have owned this Home since XXXX XXXX. I requested that these be removed or reduced as I feel that payments were not posted on time. I asked for history from start of loan in XXXX and received XXXX on and no previous years. I believe I have three times scattered late over thirty days in almost 15 years. This is a financial hardship to pay over 7000 in late fees and eating my equity which is not much based on the decline in my area. I was told there was nothing I could do but pay the money and they would not work with me at all. To request bank records to prove would be impossible as the cost and they dont exist. As a consumer this is financial XXXX and profiting off a life long customer.

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 2017-10-18
Company: Gordon, Aylworth & Tami, P.C.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Gordon , Aylworth & Tami , P.C . 
bought old debt. Garnished bank account without notice. Took {$410.00} on XXXX17

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I pay XXXX XXXX monthly for car payment and I 'm having hardship because I am a XXXX attending college for the next 4 years. I pay for school and rent. I 'm XXXX/XXXX XXXX. I 'm on a XXXX income. I have a XXXX on the way. I need to lower my monthly payment so I can live comfortably with my XXXX. I applied to refinance my car at different banks and were declined due to high mileage on my car. My car is XXXX and is in a good shape.

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 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been paying a consistent interest payment for months of {$270.00} Suddenly in the last two months the interest payments have gone up $ XXXX each time and the balance on the card has not change in years. On my current statement is now {$320.00}. I have expressed this problem to Bank of America and have not gotten any satisfaction or relief. This pattern is very concerning to me that Bank of America can just increase my interest payment every month I do not have any recourse. This activity seems very fraudulent to me and needs to be investigated. We the consumers are at the mercy of these institutions. Please 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 explanation
Consumer complaint received 2022-01-12
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a victim of an online scam. Yesterday, Monday XX/XX/XXXX at about XXXX PST I contacted a former school childhood friend of mine via XXXX XXXX XXXX : XXXX ) regarding a post on her XXXX XXXX. It stated, Bitcoin XXXX investment opportunity, contact ( username : XXXX ). So I did. XXXX, I feel that XXXX XXXX 's XXXX account has been hacked and XXXX has scammed me. I have contacted my friend XXXX XXXX through XXXX email and she has not emailed or called me. I transferred via Zelle through XXXX  XXXX XXXX {$2000.00}. And I was promised a profit return of {$20000.00} within three hours. I followed XXXX 's instructions; downloaded XXXX app, created a XXXX  account and also created an account on XXXX. And then made the Zelle transfer of {$2000.00} to XXXX. At XXXX XXXX on XX/XX/2022 I received an email from XXXX stating, " Hello XXXX XXXX now you need to pay for mining fee because we are mining on your behalf to make your profit. Your mining fee is {$5000.00} and it will be added up to your profit. '' I contacted XXXX and told her that this was not disclosed to me in advance and that I was not prepared to transfer {$5000.00} additional. Additionally, Zelle 's 24 hour limit is {$3500.00}. Therefore I negotiated and said that I would transfer {$1500.00} and pay another {$1500.00} the following day, totaling {$3000.00} for the mining fee. Thank god the {$2000.00} ( which was supposed to be invested ), wasn't accepted by the receiving party. This morning Tuesday XX/XX/2022 I cancelled the {$2000.00} payment and it was credited back to my checking account via Zelle, However, the {$1500.00} has been taken by " XXXX, '' XXXX. I demanded that the funds be transferred back to me. And they wouldn't do so. I've contacted Bank XXXX XXXX Fraud Department Zelle Division, the XXXX XXXX Police Department today and am also filing a claim with the FBI. I have 73 screenshots of the process with the dollar amounts, communications, photographs, etc. if needed. Please help me recover this {$1500.00} that was illegally stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about my health. The privacy law is being broken by the medical care provider and the collection agency. Validate the debt or delete the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A debt collection agency is trying to collect a debt from me, and the information is incorrect. I have already had the original debt collection agency deleted, and now a new one is reporting, and has been re-aging the debt. I had this debt removed from all but one credit bureau. Transunion has ignored my requests to investigate, and I have just sent a second correspondence nearly two weeks ago addressing the correspondence I sent them on XX/XX/XXXX. I am including all the certified letters I sent, showing the dates. No investigation was done by Transunion, and Transunion has not removed this inaccurate account. 

I am also including the XXXX XXXX creditor 's information, which has been deleted, which was also inaccurate, to show that the debt XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reporting is inaccurate, and is an attempt at re-aging a debt unlawfully.

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 2019-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I missed a payment for my Kohl 's charge credit card, this was in XXXX of 2015. I tried to reach out to the company to dispute this charge but they said there was notthing they could do. Please remove this late payment charge for me, because I am trying to lease a vehicle and this is stopping me from doing so. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I sent credit karma an email from their website asking why my savings account had been frozen & why I was not notified. Credit Karma did respond asking they needed a picture of my I.D . ( Front/Back ) & my bank statements that were from the bank I had linked to the savings account of my credit karma savings account to see why my account was frozen. On XX/XX/22 I sent every document they needed and they responded with not knowing why my account was frozen and someone from a higher team will contact me directly. Its is XX/XX/22 and I have not been contacted by anyone from credit karma, my money is being held, and my bills are not stopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
Those thing on my account is infecting my life. I do not wish to have them on my consumer 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 see and hard inquiry on my credit report that I don't know anything about from XXXXXXXX XXXX XXXX XXXXXXXX phone number is XXXX their address is XXXX XXXX for XXXX  in The XXXX Texas it happened on XX/XX/2021 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 2021-07-23
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: Personal information incorrect

Complaint:
Reopen the complaint with Experian regarding the incorrect address where I have lived since XX/XX/2000 since it remains incorrect, i.e., 'XXXX  XXXX ' is omitted. Under Personal Information in my Experian Credit Report, the current address where I have lived since XX/XX/2000 should be corrected from : XXXX XXXX XXXX XXXX XXXX, MD XXXX to the correct address, i.e., add XXXX XXXX : ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX As documented in the previous complaint, I've been trying to get this simple correction done for several years. What is the problem that Experian can't make this simple correction?

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 2017-10-28
Company: RSI Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB. 
False and Misleading statements

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: FL
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:
XXXX  account XXXX. I have not supplied proof under the doctrine of estoppels by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX have already deleted the fraudulent account! All requirements ID with the XXXX report. You are required by law to remove this account no later than four days. This account is involved in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: AZ
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:
An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding Equifax. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter regarding that a debt was assigned to another company. I never had a debt with neither of the companies. The letter has missing the disclaimer that I have 30 days to dispute debt. I have not contacted company out of fear that it might be fraud or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my Bank of America car loan in full and as a result they sent me the title. I have proof because they sent me the title. The the loan was not a charge off, the loan was a completed transaction and I want the item deleted from my credit report or corrected to reflect that the account was paid in full and not a charge off, Bank of America is wrong and acting in a fraudulent manner as usual.

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 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
ChexSystems has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for XXXX ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. ChexSystems has wrongly claimed to have verified the information leaving me with no available remedies

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