BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am on a fixed social security income and I had all five of my credit cards being automatically paid for by check through my primary account ending in XXXX. Due to fraudulent activity on that account over the course of a year there were many times that the bank would issue nsf fees and on my credit card payments, and not pay the credit card. But they would charge overdraft fees on unrelated to credit product payments. Its like they picked and choosed what to pay intentionally causing my credit cards to be not paid. The account was being bombarded with withdraws from unknow sources that caused me to close the account all together due to fraud. My point is that during the year of 2020 i was charged over XXXX in NSF fees and I only make XXXX. The fact that the bank would allow some transactions to go through and others not to seems odd. The bank stated that the fees were valid according to their account opening statement which I was unable to read because of the small print.

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 2018-05-29
Company: LDF Holdings, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My family and I have been receiving calls from a woman name XXXX. She works for XXXX XXXX. Phone number : XXXX. She says that legal action will be taken against me. My father, who lives in Kansas, received a message from XXXX on XX/XX/XXXX and she told him that they needed to serve me a subpoena. I called them on XX/XX/XXXX and I talked to a man who said that their office had a legal case against for me a payday loan debt from XXXX loan. I asked XXXX XXXX not to call my family about this matter, but they have called my husband on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX that per the law, they have to send me a letter to inform me of the debt and they have not done that. XXXX XXXX claims that the loan is from XXXX loan and it was supposed to come out of my XXXX XXXX account. I did have XXXX XXXX in Kansas, and the payment from XXXX should have gone through and I looked through my emails and dont have any email from XXXX XXXX about a declined transaction from XXXX loans. I don't live in Kansas anymore and I don't bank with XXXX XXXX now. I emailed XXXX loan on XX/XX/XXXX and told them that I was being contacted by XXXX XXXX and they told me that the debt had been sold to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX loan never notified me that the debt was sold to a 3rd party of XXXX XXXX XXXX. Per the law, XXXX is supposed to notify me if the debt is sold to a 3rd party and they did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2012 XXXX  XXXX XXXX was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. XXXX XXXX XXXX has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER 7 years old since it was closed, and should NOT be reported anyway. XXXX XXXXXXXX XXXX, XXXX, XXXX, and Experian are ALL in violation of the FCRA.

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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX Vi, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/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 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap.

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 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Stearns Ventures, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have loan from Sterns Lending and it started XX/XX/XXXX. I request them to cancel my PMI on XX/XX/XXXX since My LTV is XXXX %. I did not received any notification except that my case has been received and they will get back to me in 5 business days. after that no response. When I called the customer care then they said they are still working my case and they will let me know the decision by XX/XX/XXXX since it is very lengthy process then I asked then if they should be refunding my PMI money which by that time I have make two payments then She said I have to keep paying my PMI and it will not be refunded. I felt betryaed by them since in The email they said 5 business day for response and there is no information that this process will take 2 months of time. during the loan process I was told that I can cancel my mortgage when my LTV reaches XXXX %. But Now I have to pay extra 2 month of PMI because of their long time response. I am not even sure they will cancel my PMI. Probably they may ask for appraisal which would cost me more than paying the PMI.

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 2021-04-06
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello So, several days ago I received two money transfers being withdrawn from my bank account. One from my savings account ( I NEVER have given my savings account number to anyone ) and one from my checking ( of which I dont give out either but to pay bills like insurance, cable, etc ) So two fraudulent charges came out of my XXXX XXXX account to Moneylion. I have no idea what moneylion is. So I called about the charges and XXXX XXXX took care of the reversals. Great. But today ( XX/XX/2021 ) i recieved a debit card for a Moneylion account! I did not open a money lion account! Ive contacted Moneylion several times and no response!! They are terrible! Please help me close their account they are allowing hackers to open accounts with fake names. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB is claiming that I owe them {$6400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
This my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, LA 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 2021-10-02
Company: CCS Financial Services, Inc.
State: NY
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:
This company refuses to validate the debt. I have sent a letter to them disputing the validity of the said debt. I requested that they send me information proving that I owe what they say I owe. The did not comply. This is in violation of the FDCPA. I have disputed the debt with the 3 major credit bureaus and they continue to report an invalid debt. This is in violation of the FCRA. I will have to peruse litigation if they continue to report this invalid debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Kohls cashier asked me multiple questions after I asked if she could look up a basic rewards card, like at a supermarket. Was asked for all sorts of information and as it turns out, I was signed up for a credit card Without knowing. Occurred today XX/XX/XXXX. Kohls location XXXX. The store is aware. They said it happens all the time and they couldnt figure out how this one cashier was signing up so many people. Fraud. They said the way the card offer is presented is misleading. I called the toll free number on the form they gave me later this evening and asked them to reverse the credit application. They were giving me a hard time about it. Very difficult to cancel. Interest rate of 25 percent. Returned the goods of about {$50.00} and closed the account. Store cashier Totally misrepresented her actions and credit department didnt agree it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: Citi Management Group, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
citi management group has called my phone XXXX times the last XXXX days. I answered the call today, and attempted to give them my bankruptcy info which they told me I have a fraud case pending against my ss number. I quickly hung up, they have called me back XXXX times since then.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: LENDER LIVE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my mortgage on time. Although the payments are taken out of my checking account immediately, they are not applied to my account for several days. 
On XXXX XXXX, 2015 I received a notice that my mortgage was over XXXX days late. I also had a late fee attached to my XX/XX/XXXX payment. I contacted the company ( LenderLive ) and was told that the money I paid online for my XX/XX/XXXX mortgage payment was applied to a fee that LenderLive was supposed to tell me in XX/XX/XXXX that they believed I owed. I do not owe any fees to LenderLive. I refinance my mortgage with XXXX, fully paid XXXX, and they sold the mortgage to LenderLive. I received a letter from LenderLive in XX/XX/XXXX that my account was in good standing, I pay on time, and yet I suddenly owe over {$1000.00} and not only was the representative unable to tell me exactly what it was for, they reported me as delinquent to the credit reporting agency!!! I now have a credit score dropped by XXXX points because of money I do not owe. I did NOT authorize LenderLive to apply my mortgage payment to whatever it is they applied it to, I do not owe anyone money, I should not have had a late fee applied, and where is the $ XXXX dollars that were not applied?? I paid $ XXXX and they used $ XXXX for unauthorized purposes, did not credit me the remainder AND fraudulently reported me to the credit bureaus!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
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:
Equifax has my Date of birth incorrect. Besides not fixing the issue after all requested data was submitted, they also never provided who- what entity provided this misinformation? It had to come from somewhere after 60 years and I have requested who exactly is reporting this date of birth and no answer has been provided. Data came from somewhere and only equifax has it incorrect. I followed the procedures : NOTICE TO CONSUMERS : You may request a description of the procedure used to determine the accuracy.. 
I AM REQUESTING THIS from the above statement within the Equifax letter. Send that, instead of a stupid 5th request for my drivers license. Send me how you determined my wrong Date of birth. 
Besides correcting the wrong information, I am entitled to know the above on the procedure. How was my DoB determined and by whom? Name the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent my 3rd affidavit to MBFS and they received it XX/XX/2021, XXXX XXXX  Delivered XXXX, MI XXXX item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, MI XXXX. The item was signed for by XXXX XXXX. 

I am demanding that MBFS address my concerns and respond with Federal facts and not hearsay. MBFS has failed to address me as a consumer and the federal rights i have made known to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Certified Recovery Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent them a letter on XXXX XXXX, 2015 asking for validation of the debt per The Fair Debt Collection Practices Act. 
I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The following collection agencies Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has reported 3 collection accounts on my credit report on XX/XX/21 on XXXX XXXX on XXXX and XXXX for {$200.00} XX/XX/XXXXOn XXXX XX/XX/21 on XXXX and XXXX for {$700.00} XXXXon XXXX XXXX on XXXX  and XXXX for {$79.00} XXXX has voilated my right as a federally protected comusmer under 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XX/XX/XXXXand beforeXX/XX/XXXX, local time at the consumers location ; Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX was not given consent directly from me the consumer nor provided express permission of a court of competent jurisdiction. 
Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has voilated 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
They have damage my reputation by reporting to my credit report oppressing me from receiving services or goods causing harm to the physical person by having me work excessive hours of overtime at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Paypal Holdings, Inc
State: UT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I tried to submit a payment via PayPal and I entered the email address incorrectly. When I contacted PayPal to attempt to correct the issue, they closed my claim saying that a money transfer between friends was not covered by their conditions. I understand that it is my fault for entering the wrong email address to send the money to but the company should be more helpful in rectifying the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Paypal Holdings, Inc
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a hard inquiry from XXXX/PPC on my credit file from XXXX/XXXX/2015. I never applied for credit from paypal but did have my bank account information stolen and money taken from my bank account.

Company response to consumer: Closed with non-monetary relief