BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: IL
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXXXXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXXXXXX BANKXX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U. S. C.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any 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 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 2016-11-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In the past months, I have been reviewing all my student loans and trying to make since of some recent changes. I asked for my loan disputes to be removed, however, they were removed but I see there was a change to XXXX of the XXXX XXXX Accounts. According to my credit report in XXXX of 2016 all my XXXX XXXX XXXX showed Closed and a XXXX balance with remarks stating something to the nature of " account transferred o the government ''. As of XXXX XXXX, 2016 it shows closed with a NEW balance of {$2.00}, XXXX and no remarks. How is this amount owed? I never received a written notification of this new amount owed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a fraudulent charge on my Barclays jetblue credit cardXXXX from cheap carribbean-on XX/XX/2022. It was on my now closed card XXXX XXXX XXXX XXXX. We tried to resolve with cheap carribbean who has no record of the transaction. 

We have disputed the charge 15 times and have spoken to Barclays about the dispute 5 times. They have not done anything except charge interest and late fees. This is problematic as my credit rating is suffering for a purchase I never made. 

As Barclays refuses to act I have no choice but to complain to you. After over 2 months they appear not to be submitting the dispute as cheap carribbean said they will refund the card if the dispute is received.

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 2022-10-17
Company: EQUIFAX, INC.
State: NV
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:
This account is reporting inaccurately across all three credit bureaus. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification from Bank of America for my Home Equity Line of Credit since XXXX of 2015. To date I have not been successful. I had been paying interest only payments on the loan of around {$420.00} per month. In XXXX of 2015 the Bank sent notice that the payments would increase to a little over three times the payment I had been making. A new payment of {$1300.00} My circumstances have changed significantly since when I originally took out the loan. I was XXXX that rendered me XXXX and unable to work. I had to retire on a small pension. To start the loan modification process, the Bank asked me to provide extensive financial information : monthly income and expenses, tax records, ( which had been destroyed and I am just now recouping ), retirement and XXXX records. I provided the Bank everything they asked. At times, they asking for the same thing XXXX and three times, from the initial contact until now. The new payment amount of {$1300.00} I can not afford to make along with my monthly medical expenses, rent, insurance, food and transportation, all of which are going up and XXXX for benefits did not this year. 
I will be forced into foreclosure for sure. When I asked for the modification under hardship, I wanted to lower my payment to make it affordable, i.e. a lower FIXED interest rate and extend the loan term. 
BANK CONTACT-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 2015-03-22
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I returned and paid all XXXX XXXX satellite services equipment as they advised me if I do n't want to be billed for their equipment it must be returned. They shipped me free boxes and labels to return their equipment and told me as soon as I returned it they would send an email once they received it. After they received it I got XXXX emails stating the equipment was returned XXXX, and XXXX XXXX. It is now XXXX I received a bill stating that I owe them {$960.00}. I told them I have n't had an account since end of XXXX. They ignored my letter I wrote them, now as of XXXX XXXX I got a new collection debt on my report from AFNI which they bought this debt from XXXX. I told AFNI that this was not my debt I do n't have services with XXXX anymore since XXXX. Why is this now illegally on my credit report as I do n't owe anything, they were paid for services that I had and billed me for {$500.00} of equipment but stated upon received they will remove it. As of today I am obviously being billed XXXX for something that is not mine as I do n't have any account with them anymore. Why would XXXX years later something falsely like this appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
There were several unauthorized debit card transactions on my account from XXXX/XXXX/2015 to XXXX/XXXX/2015. On XX/XX/XXXX, XXXX transactions for a total of {$970.00} were unauthorized. On XX/XX/XXXX, XXXX transactions for a total of {$600.00} were unauthorized. I lost my card, and reported the card lost immediately, within minutes, of realizing that I had lost it. Regions bank refuses to return my money and blames me for stealing money from myself. It claims that " cardholder acknowledges PIN was not compromised '' when in fact the opposite is true. I live paycheck to paycheck and I really need my stolen money returned to me. What a horrible bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company New Rez sent my tax money to the wrong place. This happened last year 2021 the last XXXX quarters.and 1quarter this year for a total of XXXX dollars I started receiving notices that my taxes were late I calledNew Rez they sent the money to my second property tax department in XXXX however XXXX claim they didn't receive the money.New Rez keeps telling me they are gon na get the money back and put it back in my escrow.They have raised my mortgage in the XXXX dollars a month instead of putting the money back in my escrow They keep lying to me every month. They admit its their mistake but they won't fix it.this has been going all year I pay my mortgage on time please help just want them to put the money back in my escrow

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 2022-10-17
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 been a victim of identity theft since 2015 I have had freezes, fraud alerts, put on my credit report. I have made police reports which I have sent in to Equifax reguarding account and inquiries not made by me. In one of my police reports from 2015 its listed that all my personal identifying documents where stolen, which includes passports, ss cards, tax returns info etc. EQUIFAX have removed the fraudulent accounts but NOT the inquiries from attempts to gain credit in my name fraudulently or unauthorized are made. I can not keep a fraud alert or freeze on my credit at all times because it hurts me when Im applying for credit. I can not help people have my information and tries to apply for credit or new accounts from time to time. As soon as I realize it, I freeze my credit and try to dispute inquiries. I have sent 5 letters of disputes for the inquiries and 8 fax. EQUIFAX has failed to investigate or reply. They have no proof I authorized or given permission for anyone to run my credit. Nothing that I signed with my signature. These inquiries and credit rating are affecting my livelihood, and they have not replied to me since XXXX when I began noticing the problem from my credit monitoring site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: CA
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 Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had overdraft protection with Regions Bank in XXXX, Alabama on my checking account. However, instead of waiting to get the overdraft from my Social Security Check that come in every month. They took the overdraft from my grandchildren savings so it would n't net interest. So, I took my grandchildren money out of Regions Bank. They retaliated by closing both of my checking accounts without notice. Therefore, I could n't receive my Social Security check for the entire month of XX/XX/XXXX with put a great hardship on my me and my family.

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 2015-08-22
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AfNI / collections account ... I asked several times for proof and I still have not got an answer showing proof its mine. I 've asked for it to be removed and they still have n't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had an account with XXXX that has been sold to a company, this account has been re-aged I have the original last bill and the dates are not the same I have asked multiple times for the creditor and the credit agencies to remove this and they have ignored my multiple attempts to have this corrected and removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Independent Dealers' Advantage, LLC
State: DE
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 believe I lost my wallet where I held all my important information like id and social security card and etc. Ever since losing my wallet, I've notice unauthorized activity on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Chime Financial Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a email from chime and they said my card was lock for fraudulent activity at XXXX on XX/XX/XXXX then a hour later I received another email stating my phone number and email was updated so I tried to log in my account and I was lock out so I called chime I had to verify my identity by sending picture of myself holding my drivers license and paper with the date and my signature after that they reset all my information and I was able to log back in my account and thats when I saw that it was XXXX transactions made to a XXXX XXXX one was for XXXX and the other was for XXXX I couldnt dispute it until it cleared and it cleared Saturday morning so thats when I did my dispute and this afternoon they claim they didnt see no foul play and claim I cant get my money back I sent emails and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2015-08-17
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Afni XXXX is using a machine to make calls and showing on the caller ID as XXXX a different company. When I received a call this morning I was asked to hold for the next available operator, I waited to see to see who they were looking for as my former step-mother has been passing out my number to her creditors. The call disconnected without me being able to discuss the matter and ask them to remove me. I then called XXXX trying to clear this up and was told they had no account with my phone number and told me they had other complaints that Afni was engaging in this practice. I finally called Afni and they refused to admit to their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My account was paid and included XX/XX/XXXX Chapter XXXX, discharged on XX/XX/XXXX. Bank of American are billing a deceptive amount. The monies paid were reversed and added back into the loan making the loan more than what the Heloc 's original amount. Debt was paid in chapter XXXX and settled with debtor. Bank of America has reported to all credit reporting agencies during the period that of the chapter XXXX bankruptcy. They attempted to collect on the debt during the XXXX year chapter XXXX bankruptcy period. I attempted in good faith to work with bank of America and each time, they became more aggressive with billing statements with deceptive information and false claim of amount owed. They have reported to credit agency false misleading information that I have disputed. They have mailed false billing statements. They have reported missed payments and late paying to the credit bureau. I filed with XXXX and someone sent a mean nasty message regarding filing with XXXX and stated that this would be handled with CFPB and it has not been resolved to this day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like to file a complaint against Experian, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a negative balance in my Google pay. I do know know who is responsible for it, I have never borrowed money from Google I always pay with one of my debit card. You can check my history of payments over the years I have been playing games. I don't know who might have done this or how. I have been telling y'all this for over a year at least. I no longer make any purchases for my games because this negative balance. Please check my payments from many other times u can see I always pay with one of my debit cards. I have never been given any money r borrowed money from Google pay. Please get this straightened out. I am getting very upset about this because I have addressed this issue many times with Google. I will not pay for a balance I'm not responsible for. I will no longer play any games r make anymore purchases. I have spent XXXX of dollar in Google why would mess that up I am a daily player and have been for years. You can look at my history of payments and it always payed with one of my debt cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have my Federal student loans serviced by Navient, whom I believe misguided me into a repayment plan that is very favorable to their bottom line, and not my achievement of paying off the loan. They are receiving massive chunks of my payments in the form of interest with my total balance owing barely chipping away. Their representatives have not offered any alternative solutions to help benefit both parties.

Company response to consumer: Closed with explanation