BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: LA
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:
The purpose of this complain is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The purpose of this complain is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/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 2020-03-03
Company: Experian Information Solutions 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:
I found out that there are two accounts from XXXX XXXX XXXX XXXX appearing on my credit report. One of the accounts was opened in XXXX for {$300.00} and the other one was opened in XXXX for {$4000.00}. I had no idea these accounts were in my credit history since I never really keep track of my credit but I got my credit ran because I applied for a loan and that's how I saw these accounts. I don't know who opened the or how someone else could have got ahold of my personal information to open these accounts. I did not get anything out of these accounts that were opened in my name. I never made any payments towards either of those accounts. I filed a police report and notified that company.

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 2015-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My complaint is about telephone calls to me from a debt collection company. I have no outstanding debts of any kind. Yet I continue to receive telephone calls from this company whose website self-describes as a debt collection specialist. No message is ever left on my answering machine and many different numbers are used, presumably to defeat the call-blocking feature of a home phone. 
I went to the company 's website on XXXX XXXX XXXX, 2015 and stated that the calls had to cease as I had no outstanding debts so there was no case to be had with me. The calls resumed this morning so I am filing this complaint. 
Your form required me to choose a type of loan, but there is no loan concerned with this company or me. Your form also required me to best describe my issue, but again, there is no loan, so my issue is best described as harassing or annoying phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I lost my debit card and drivers license. A week later I noticed activity on my account. I went to my bank and they filed a claim for me, cancelled my debit card and ordered me a new XXXX. On XXXX/XXXX/XXXX, I received XXXX letters stating that they had completed their investigation and the charges were valid. I called customer service and what an ordeal that was!! I was transferred around and back and forth to different departments for over 2 hours. Not XXXX rep knew what they were doing or where to send me. Finally I spoke to a manager and her said he would help me resolve this. Apparently, someone deposited fake checks totaling {$1800.00} from XXXX XXXX bank into my account. In the time that it took them to find out they were fake there were several withdrawls made, a purchase and even a fake check from my account that was cashed at an ATM that has a live teller on a screen that processes transactions. I did n't even know they had those. All of these transactions were done in XXXX. I live in XXXX and have not been XXXX. After explaining this numerous times the manager, XXXX said he would file the claims for me and get this investigated. I called today, ( XXXX/XXXX/XXXX ) to check the status and I called the phone number XXXX had given me to use. The rep told me he did n't have any claims on file. He sent me to a different department and that rep told me that my claims had been resolved and I would receive a letter in the mail. I asked her what they said and she stated that the charges were valid and the investigation was closed!! Not only has my account been compromised, I ca n't access my direct deposit from my employer because it 's gone, but there are people out there that are creating fraudulent checks and cashing them, using a debit card that they did not have a PIN to that also has a chip, and the are creating checks from my account and cashing them! Bank of America did not care that this was happening. This is the reason consumers end up paying high fees for bank services but not XXXX of Bank of Americas employees knew what to do or took it seriously. Looking at my account you can clearly see what happened if anyone took the time to look at it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016, Bank of America issued my monthly statement which showed a payment due on XXXX/XXXX/2016, of {$150.00}. I logged into their website that day, and, since it then showed a payment due for XXXX, I made a payment of {$220.00}. When next statement came out on XX/XX/XXXX, it showed my payment on XX/XX/XXXX, posted XX/XX/XXXX, but it said I was overdue, and I was charged a late fee of {$27.00}. I called customer service, and they could n't help me, so I requested a supervisor. I spoke to XXXX, who said all he could do was remove the late fee, return my payment to me and have me pay it again. I reluctantly agreed to this since he said it was the only option to make the account current without making double payments. The fact remains that the website said I had a payment due, and I paid it in good faith. Now I am stuck paying extra interest on the {$220.00} which will now post over a month later. This may not be a huge amount of money, but it 's wrong in principle and has caused me to waste a lot of time and aggravation. I feel punished for trying to stay on top of my bill. The bottom line XXXX told him is " never pay the payment on the statement closing date, no matter what the website says ''. He did say he would submit my feedback about the site.

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 2022-02-26
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021 I contacted my mortgage company XXXX XXXX  in reference to my property being removed from a class AE ( mandatory ) flood zone to a class x. I'm aware that they receive this information from FEMA so I ask them to remove the requirement from my mortgage so I could purchase affordable flood insurance. 

Round point related that they will not remove the requirement unless I acquire a Location Map Amendment ( LOMA ) from FEMA and provide it to them. I then reached out to FEMA and undertook a challenging process of acquiring a LOMA acknowledging that my property has indeed been reclassified as a zone x. 

On XX/XX/XXXX and XX/XX/XXXX I uploaded the letter of amendment determination document to XXXX XXXX XXXX XXXX. Since XX/XX/XXXX I have reached out to XXXXXXXX XXXX  on XXXX occasions requesting a confirmation that they have received my LOMA and to provide written confirmation that Flood insurance is no longer a requirement of my loan. 

On every occasion they have needed to resubmit my request and have provided a later date for the LOMA to be acknowledged. My last communication was on XXXX XXXX where they have acknowledged that I have requested this to be done since XX/XX/XXXX on several occasions and they have been unable to complete my request. 

Round point is unwilling to recognize the FEMA LOMA document that governs the requirement for flood insurance on my mortgage. I believe this is a unscrupulous act which is incurring an unnecessary expense for me and my family. 

If I have contacted the wrong complaint office, my apologizes, please point me in the correct direction. 

Thank you for what ever help you can provide, XXXX XXXXXXXX XXXX Loan # XXXX Name on loan - XXXX XXXX XXXXXXXX XXXX XXXX  Phone # XXXX XXXX XXXX # XXXX XXXX XXXX ( Please leave a message )

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 2017-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
When I reviewed my bank of America SAVINGS account today I noticed that the bank has been charging me Monthly Maintenance Fees for 6 months now. I now realize they have a rule where a fee will be charged If I do not have at least one qualifying direct deposit of {$250.00} or more OR I do not Maintain a minimum daily balance of {$1500.00} or more. BUT the FACT is I have XXXX accounts with them. A core checking,, a joint checking, savings AND a business checkings account where I have direct deposit of {$3900.00} or more every week. Inspite of giving the bank business, it is incorrectly charging me so much in fees which I believe in wrong and it is directly deducting the fees out of my savings account without my permission or knowledge. IF i dont audit my account balances I will not even realise. This is cheating. If they want to charge me fees, they should warn me through email or calling me and offering me to a solution to avoid fees including closing some accounts! I want all my money that I was charged in fees back even if it means closing some or all of the accounts. My wife also has XXXX accounts with bank of america and I will consider closing all of our accounts if you continue to charge me frivolous fees and dont refund my fees. I am giving you business but you are ripping away my money!!! what a scam. Call me on my phone if you ever want to talk dont stealthily keep charging me fees and take away my hard earned money. 

STOP STEALTHILY STEALING MY MONEY BANK OF AMERICA!!! I DO NOT EARN AND DEPOSIT MONEY IN THE BANK SO YOU CAN DEDUCT FEES EVERY MONTH. I WILL CONTACT THE ATTORNEY GENERAL OF MASSACHUSETTS AND SENATOR XXXX OFFICE DIRECTLY IF YOU EVER STEAL MY MONEY THROUGH FEES. CALL ME BEFORE YOU WANT TO CHARGE ME FEES.

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 2015-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Not being allowed to have online access my credit information so that I can view the record and address any issues with disputed or incorrect information that is appearing within my credit profile ( s ). Being forced to make a phone call to address any issues and when that happens the issues are not address correctly and results in different credit report agencies reporting different identifying information of the same entity and or reporting the same incorrect information for different credit profile entity.

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 2017-05-30
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In  XXXX     2017  Navient was notified by the Department of Education that I am a  XXXX   XXXX   XXXX  and in school deferment status. As such, there should be no student loan deductions. Navient continued making deductions from my bank account in spite of my status. In  XXXX  and  XXXX  {$270.00} was deducted from my bank account. In  XXXX  and  XXXX  there was insufficient funds in the account so the bank charged NSF fees. To date there is a total of {$200.00} fees incurred as a result of  Navient  's actions : {$34.00} fees in  XXXX  and {$170.00} fees in  XXXX ,  2017 . I contacted Navient on  XXXX   XXXX  about the matter. A customer advocate returned my call on  XXXX   XXXX . I was told that the refund was approved on  XXXX   XXXX . In response to repeated calls following up on the matter, I was told that the refunds were being processed. I was told to submit the bank statements showing the fees that were incurred. I did as requested. On  XXXX   XXXX  I was told that the request for the refund was resubmitted and wi thin 3 to 5 b usiness days I would see the refund in my bank account. A call today,  XXXX   XXXX , I was told that the refund was on hold. The customer advocate said that she will resubmit the request for the refund.  <P/> 
Navient wrongfully continued to try to withdraw money from my bank account. Even if it was a system glitch, Navient 's   actions between  XXXX   XXXX  and  XXXX   XXXX  leaves no doubt in my mind that there is a clear lack of care for the student. There is a refusal to correct the error. Also when they found a reason to stop the process no one contacted me to let me know that there is a change from what I was last told. This lack of communication is disrespectful and lacks basic customer care.  <P/> Students need to be vigilant especially when there is direct debit in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX I went to visit Navy Federal Credit Union, in XXXX XXXX, TX, which I am a member of and have been a member of since XX/XX/XXXX. I went there to complete a cash advance, I am a XXXX Veteran and My XXXX goes into my external account. So every month I go to Navyfed to do the cash advance from my external account, XXXX and transfer my funds to Navyfed. I've been doing this kind of transaction for over a year now from the same account, using the same card without any issues, until yesterday. Navyfed only allows cash advances over the phone up to {$500.00}. Anything over that amount a member is required to come inside the branch to complete the transaction, because additional information and identification is required. Which I've always complied and understood. So, yesterday my transaction was denied after, I provided everything they asked, and the teller told me because certain identifiers could not be verified, therefore I could not use my card to the external account. I asked why not? When I've been using this card without any issues. I said where is the documentation stating the changes, she continued to say I can let you speak to my manager, I said that's fine. The manager said she would call her supervisor, they denied it saying Navyfed had taken losses from this kind of transaction with my external bank. I told them what does that have to do with me? Decline those members that have resulted to the bank taking loss. Not the members that's doing accurate and legal transactions. I asked for the corporate number, they called the branch to try to get more information and I asked them where is the notice about this change? They said they didn't have one. Well I'm Like that's kind of funny when the branch stated it was a valid policy change. And at this point I feel targeted. You can't just verbally make a policy change without the appropriate documentation. Then just expect bank members to abide by it. They ending results was that I was unable to transfer the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hard inquiries have been appearing and disappearing from my credit report through 2016. 
Hard inquiries were inserted without prior written notification - XXXX inquiries that I am enclosing. 
Also, hard inquiries were inserted without permissible purpose. For example, I never gave any permission to XXXX BANK & XXXX via XXXX BANK AND TRU. Nor is it clear why are there other hard inquiries. 
I 'm requesting permanent removal of inquiries from : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX BANK DELAWARE XXXX BANK XXXX XXXX via XXXX BANK AND XXXX THE XXXX XXXX CO via XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Paypal Holdings, Inc
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I signed up to use PayPal so I can use my own current ( personal XXXX credit card to pay for a friend 's wedding. Without my knowledge or consent, PayPal ran my credit report and signed me up for their credit account. I 'm infuriated that a company could do this without informing the user of the mobile/web experience. I 'm trying to purchase a house, and this incident will affect this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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: Personal information incorrect

Complaint:
I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and XXXX, XXXX and EXPERIAN has not made any effort update any of what I requested with supporting documents.

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 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.

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