BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
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: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, Transunion and XXXX have violated my rights per 15 U.S.C 1681 section 623 which states consumer reporting agencies must report accurate and true addresses.

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 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, I used my debit card for {$23.00}. At that time I had {$300.00} in my account. Then on XXXX XXXX, I paid another bill for {$20.00} and at that time I had {$130.00} in my account. Later on XXXX XXXX, XXXX checks came through my account - XXXX for {$63.00} and XXXX, which I admit I forgot about writing, for {$120.00}. Bank of America manipulated the way the charges came through my account in order to charge me XXXX overdraft fees instead of just the one, and I actually think they are going to charge me a fourth fee this evening because the {$23.00} debit card from three days ago is still in processing and once it goes through another overdraft fee will be generated - even though the {$23.00} charge was approved three days ago. I know BOA paid a hefty settlement a couple of years ago for manipulating debit card charges in order to charge more overdraft fees and now they are doing it again. I guess they did not learn their lesson.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After my deferment I called navient to see if there was anything that could be done with my incredibly high monthly payment and they insisted that they could n't help me. I 'm a single mom and my monthly payment is more than I make in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About one month ago I noticed on my credit report something from Commonwealth I've never heard of them the amount didn't add up to anything so I started a dispute with XXXX. I ended up winning that dispute it was removed from my credit now they are sending me an invoice and calling me telling me that I still owe the debt. They couldn't tell me what it was for the person I spoke with stated they think it was for a hospital or a doctor 's bill but wasn't sure and that's all they have. She then said that she would try to find an itemized list and have that sent to my address. Then told me that it can be sold to somebody else and they can try to collect the debt eventhough the dispute turned out in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX XXXX XXXX reported derogatory information on my credit report to the following bureaus : XXXX, Equifax, and XXXX The information reported was late-payment for the month of XXXX. Ms. XXXX, the consumer, experienced a hardship due to an erroneous mistake from the IRS in the month of XXXX, whereas, the consumer 's account was locked by the XXXX XXXX XXXX XXXX XXXX : in this case, payment was not able to be processed. For the month of XXXX, the consumer requested a deferment due to the Pandemic and hardship faced. In the month of XXXX, the consumer did her best to make a payment, at which, XXXX allocated that payment for the month of XXXX. The consumer returned to work during at 40 % on Phase II on XX/XX/2020. XXXX reported that payment 30-days late ; after knowing, the current situation-at-hand dealing with the Pandemic and tough financial decision. The consumer has leased two cars from XXXX and has never been late! This is the first-time! The consumer was able to re-finance the car with her credit union at a lower-rate ; and, the balance owed on the account was paid-in-full on XXXX, XXXX. XXXX never considered the consumer 's financial-hardship for the month of XXXX, and, refused to take into consideration, the consumer 's commitment in leasing two-cars for the past six-years ; and has never been late! The consumer 's FICO score was decreased by 100-points! In addition, the consumer takes her credit-score very seriously ; and has been on-point with paying on time for the past three-years. Having this derogatory information removed with fairness and non-judgemental, will allowed the consumer to feel secure knowing, that XXXX has the consumer 's best interest at heart and, that her secret-clearance will not be severed by XXXX 's determination to not attempting to remove negative information on my credit-report during a hardship and devastating time due to the COVid-19 Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called AFNI ( XXXX ) keeps calling me and asking for someone else. I've told them repeatedly it's the wrong number, but then they start harassing me about whether I know the person and whether I have contact information for them. I don't even recognize the name, and I've told them to stop calling, but they keep calling me. How do I make them leave me alone? This feels like harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Mother recently passed away. We have a joint checking account in XXXX names at HSBC. My Mother 's name OR my name. I went to the bank, provided a death certificate along with my State issued ID, and was told the account would be closed and a check would be issued in my Mother 's name at the end of the month ( XXXX ). I would like the check to be issued in my name since XXXX names are on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
in XXXX 2019, I opened a Home Equity Line of Credit with Flagstar Bank. As part of the process, Flagstar bank paid the closing costs for the HELOC, totaling about {$1200.00}. 

Now I want to refinance my first mortgage, and Flagstar won't let me close out my 2nd mortgage without paying those closing costs. So we had to subordinate the 2nd mortgage, and now my rate has increased because there is more debt involved. This is the part that stinks -- my first mortgage is much more significant loan, but Flagstar won't release the 2nd without sticking it to me for the closing costs. 

I feel like I was not really aware of the consequences of signing that addendum when it was presented to me, with so many other pages to sign. I called Flagstar and asked them if we could negotiate these costs ; they " submitted the request to upper management, but I should know that these are almost always denied. '' I feel like I've been snowed by Flagstar and I will not be doing business with them 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 2020-09-30
Company: Experian Information Solutions 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-04-18
Company: EQUIFAX, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-09-30
Company: EQUIFAX, INC.
State: RI
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: Investigation took more than 30 days

Complaint:
I'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, XXXX and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and XXXX. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my Equifax credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: COLLECTION BUREAU INCORPORATED
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Bureau Inc has been attempting to collect a debt of approximately {$630.00}. It was for a charge to replace the carpet in my old apartment. The carpet didn't need to be replaced, as I explained and demonstrated to the original creditor, with photos of the apartment taken upon my exit. I have disputed the debt over the phone and in writing, with photo evidence. CBI has refused to remove the debt despite the evidence that it is fraudulent, and has refused to remove it from my credit report, even if paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: U.S. BANCORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
they keep calling and calling, II have ASKED THEM TO STOP

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 2020-09-30
Company: AES/PHEAA
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Fedloan Servicing in XX/XX/2020 and asked them to fix my paid ahead status payments to have them adjusted so they will count towards student loan forgiveness. I again contacted them in XXXX or XXXX and they told me they were still working on the request. Now it is almost 10 months later, and I am still waiting for these payments to be adjusted and counted towards my forgiveness. 
Also the payment count towards my subsidized and unsubsidized accounts are different, but should be the same. Please help me get the information I am requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Between XXXX and XXXX I was charged excessive overdraft fees. Some of those fees were transfers to my own Bank of America checking or savings account. Over {$450.00} in fees. I would like a refund of those fees in full. Why? Because Bank of America advertises this service in which you are supposed to get notified immediately when your account is overdraft so you can take appropriate action. Usually, if you put money in the account within a few hours you avoid the fees. However, these notices are not coming to my email or text until at least 24 hours after the fee has been charged. The service is advertised to help you " avoid '' fees. Well, how can I avoid fees if I 'm not getting the alerts. By the time I checked by account I was already {$300.00} in the " red '' just from overdraft fees alone. I am a XXXX and I do n't make much that 's why I have these alerts so I know when I 'm missing money but I ca n't do anything when {$300.00} are already gone. I want all my excessive fees refunded from the time period of XXXX. 

Thank you.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX Opened XXXX {$1000.00} I've reported that this account is not mine. I dont have a account with XXXX at all. I've disputed this MANY times, its been removed many times but still shows up every month. I've contacted XXXX and they told me this account doesn't even exist but this XXXX XXXX XXXX collections says it does. I asked att for a copy of any phones I have, none exist, Account information, None exists. The damaged been extordinary to my credit score for YEARS for no reason whatsoever.

Please resolve this issue. I'd be greatfull, Respectfully XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl. 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 non-monetary relief
Consumer complaint received 2020-03-03
Company: Receivable Asset Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Kramer & Associates recorded my call today without telling me. I asked at the end of the call today if they are recording to which they sad " ALL CALLS ARE RECORDED. '' No notice was given at the beginning of the call. Kramer & Associates have violated Cal Penal Code 632 CIPA The California Invasion Of Privacy Act in doing so. The California statute that defines the crime of eavesdropping. This section makes it a crime for a person to listen in on, or torecord someone else 's confidential communication, Note that California is a two-party consent state. This means all parties to a phone call or conversation must give their consentbefore someone can record it.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-30
Company: GreenSky, LLC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Incorrect payment information. Use coupon book provided to pay XXXX payments at {$130.00} beginning XX/XX/XXXX and XXXX payment at {$130.00} due XX/XX/XXXX. Received email stating I owe XX/XX/XXXX payment which was paid XX/XX/XXXX. Called went over every payment from # XXXX due XX/XX/XXXX to last payment made # XXXX on XX/XX/XXXX with no resolve. Have all my cancelled checks for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2021-03-11
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX after I made a payment of over {$6000.00} to reduce my large balance due to Covid-19 Chase card services XXXX, DE XXXX changd my limit from {$21000.00} to {$12000.00}. I was never late and I never exceeded my limit. I feel this was very unfair practice and would like my card ending in XXXX to be extended the credit line that i was granted before Covid-19 hit, any and all help you can provided would be greatly appreciated.

Company response to consumer: Closed with explanation