BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
i : reported identity theft of my name and social security number to Police as well as to FTC, see attached. Bank of America ( BOA ) seems to have hired robo signers and others to forge my signature on a fabricated note and claimed that i : borrowed monies from it, when i : never did. i : demanded numerous times from bank of America to make the presentment of that promissory note that it claimed i : signed [ when i : never did ], while Bank of America and its Agent ( s ) Principle ( s ) Co Parties claimed that BOA has in its possession the promissory note that i : allegedly signed, but it never did present that to me. Through extortion and racketeering acts and coercion, i : was forced to sell my unique private property, the alleged servicer XXXX XXXX XXXX stole my monies from the proceeds of the sale and is refusing to return my monies. In addition, later i : found out that after the close of escrow, Bank of America and its co parties agent ( s ) principle ( s ) have sold my note to other entities, as of almost 1 year ago [ the date  that i : researched it using XXXX ], it shows that i : owe in excess of {$120000.00} to unknown entities even though Bank of America/XXXX has filed for release in county recorder due to their being paid in full [ which is really theft of my assets ]. So not only, they are not returning my monies at TILA section 1635 et. seq, indorsed by all three branches of the government to wit : by the president, the congress and the SCOTUS unanimous decision : XXXX v. Countrywide Home Loans Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( XXXX XXXX XXXX SCOTUS Unanimous decisionXX/XX/XXXX Author : XXXX XXXX ), Reg. Z. by Federal Reserve, 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ) but also it seems that they have sold my note to other parties and claiming losses on those to obtain additional default insurance from various insurance companies while claiming that the alleged loan was paid in full when my home was sold, they recorded that closure in county recorder, 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 2017-09-03
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Navient Solutions is reporting derogatory on my credit report, for a zero balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Target reported me as late on my credit card payment during my  XXXX   XXXX   XXXX  and is refusing to correct the reporting. I had no knowledge of any balance and apparently had a {$2.00} balance and they charged late fees and now the balance is higher. under the SCRA I should be protected during  XXXX  periods from any default reporting and they are refusing to correct this which is affecting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: SC
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 XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX REC XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX 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 a account without my written instructions.

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 2022-07-18
Company: EQUIFAX, INC.
State: SC
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 XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed this debt with Resident collect inc for {$1200.00} and it was deleted but immediately placed back on my credit report with a different name but the same company and the same address as Resident Collect Inc. It 's reporting in my credit report as Innovative Recovery for {$1200.00} and it 's still the same company as Resident Collect, Inc. I 've disputed this debt repeatedly with them! I 've contacted the original creditor of the debt and they said they have no record of me owing the debt to them! I asked Resident Collect Inc for validatity of the debt and they have n't provided any documents! They put the debt on my credit report twice without giving me the right to dispute the debt or send notice saying that I could dispute it! They are playing games with my credit file and breaking all kinds of FCRA laws! They are not listed with a surety bond in the state of Texas under Innovative Recovery to collect a debt and besides the original creditor which are apartments is saying they do n't have record of me owing the debt. So how are they allowed to continue this illegal practice! I 'm willing to bet that I 'm not the only consumer this is happening to! This is my 3rd attempt to settle this matter, that is why I 'm reporting them to the CFPB to get help with the matter. They made it hard to dispute because there is no record of Innovative Recovery unless you XXXX them and it 's web address is residentcollect.com so the company is resident collect not Innovative Recovery. They are reporting dishonestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this Inaccurate reporting with all three credit bureaus XXXX, XXXX and Experian. Each time it comes back as verified but the information is still incorrect. I have contacted the XXXX XXXX XXXX XXXX Bank as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XXXX Payment History show as XXXX day late for XXXX. 
Date of First Delinquency show as XXXX Credit Report show XXXX day for 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 2018-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive paid off all my balances with CapitalOne, but they have not submitted the information to Credit reporting agencies. Im trying to purchase a new home and this information is keeping my score lower than it should be. It upset me that I was charged interest after my balance was at XXXX. I called to have it waived, but CapitalOne refused, so I paid. Its been a month now and the information is still there ( the last balance ). If they submit the information, then my score would increase. I need CapitalOne to submit my XXXX balance information to XXXX, XXXX  and XXXX asap! Calling them will not change their procedures or help me with my problem. I found this Credit Card company is late submitting information to the Credit Reporting companies, which is a disservice to the American people. They should be investigating on this issue alone. I have 2 accounts with them ; 1 is through their parent company and another through XXXX ( which they are the parent company ). Any help you can provide would be greatly appreciated! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Date : XX/XX/2022 Time : XXXX & XXXX XXXX ( XXXX ) XXXX Called Chex Systems to resolve an account was met by a very rude customer service rep by the name provided ( XXXX ) XXXX 

The rep never asked me for information to look into my account to resolve matter, instead he talked about how the banks are, stating bank employees are XXXX  and they dont know anything, they only get paid {$11.00} hr. Then he directed back to me and said, You are here because, someone told you No! 

I tried to ask questions and he started talking over me. He appeared very angry. 
I couldnt get a word in to ask questions about account or asked for information required to pay account instead I was spoken to like a child. I just want to resolve or pay bill. 

I got tired of him talking down to me and spoke up and told him I dont need your opinion. Representative redirected my call twice, after saying to me You messed up. Then redirected me back onto the line to wait. 

Need help with getting a professional rep on the phone, who does insult callers.

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 2022-03-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022, I sent an electronic check payment from my bank to COMENITY - XXXX Rewards XXXX. The bank stated that the payment was sent on time. The payment is not due until XX/XX/2022. 

On the next bill, I received a late payment from XXXX. They did not process the payment until XX/XX/2022. I called XXXX and explained the situation. XXXX stated that they can not waive the fee since I closed the account. Since I paid the bill on time, I should not have to pay the late fee. XXXX stated that they can not do anything about it and if I don't pay the late fee, I will get another late fee on the next bill. 

The late fee is {$29.00}. It's a lot of work to try to clear this up. However, on principle, I hate paying it since they may do this to a lot of people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On complaint XXXX I have received a letter from TitleMax stating they sold the vehicle and there was {$1600.00} SURPLUS and the letter states that a check is enclosed- there was no check enclosed, therefore I have n't received the surplus amount. 

I have called TitleMax on X/XX/2017 and they say they ca n't find me in their computer system and a manager will have to call me back. This is unacceptable. The letter clearly states at the bottom that a check is enclosed and yet no check was received and NOW they say they ca n't find me in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have tried on dozens of times asking the the three credit bureaus to remove negatives reports on my credit report. Such as collections, hard in inquiries and late payment etc.and nothing has been done.such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: PA
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:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of information this information is impartial and is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2017-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
i have been with citizens bank for 16 years. i have a savings account that had a minimum amount required of {$200.00} ( which i did not know ). I went below the {$200.00} and was unaware that they were taking a service fee of {$4.00}. They claim that i was notified because they update their online banking with the statement. I was unaware of the statement and just realized that they have taken the fee five times. I contacted them, told them i was unaware of the low threshold for the bank account and notified them that i did n't realize that they update the online account with the statement. I requested a refund for the service charges and they would only partially refund the fees. I feel uninformed and ripped off by this bank. I spoke to a supervisor over the phone, XXXX XXXX, and he would n't budge. He stated that i should 've known these fees and statements were on the online account. I have a checking account with them and would 've had no problem putting the required amount in the account if i had only known. 

I do not get paper statements because they charge a fee. This is the only bank that i deal with that charges fees for paper statements. I am still owed {$15.00} which is n't a lot, although, this is a principle issue. I was an uninformed consumer and i had no idea that they were charging me fees. They should not be able to get away with doing that to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a letter from Portfolio Recovery trying to collect an alleged debt of XXXX that is not mine. I called inmediately to the phone number provided to inform that there was an error because that debt was not mine. I talked to an operator named XXXX and gave me the address to write to the dispute department. I inmediately disputed the alleged debt and they send the evidence they have that consisted of some copies of statements that are not mine. The statement is from a person named XXXX XXXX who lives in XXXX, Florida. I have always live in XXXX XXXX and my full name is XXXX XXXX XXXX XXXX. I called and wrote Portfolio Recovery disputing the debt and they refused to accept the information given, after receiving various letters and unwanted phone calls I decided to send them a certified letter telling me to stop writing and calling me. After I sent that certified letter in XX/XX/XXXX, Portfolio Recovery in reprisal notified credit companies in XX/XX/XXXX that I had a alleged debt which is not true and affected my credit score from XXXX went to XXXX. I want this information to be removed from my credit report because this alleged debt is not mine. The information given by this company is inaccurate and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: EQUIFAX, 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:
Equifax had a split file on me and when they combined the file finally my credit score was XXXX points there has been no changes to my credit report and because I complained they had decreased my credit score by a 100 points that is not right they should not be able to do that there has been no changes to my report since they combined my report except the complaint now they will lie to us and say anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Premier Holdings
State: AE
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Representatives from Premier Holdings of XXXX, TX have contacted my mother, father, and myself on several occasions over the past several years threatening possible legal action and garnishment of wages for non-payment of a private student loan with XXXX XXXX. 

They were informed each time that the loan had been settled and to not contact myself or family members again. My Father is not associated with this paid loan in anyway. However, Premier Holdings threatened possible legal action against him even though he is not associated with this debt. In addition, they have been harassing him for years with unwanted phone calls and letters regarding this matter. 

Premier Holdings Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account manager : XXXX XXXX Account manager 's contact : XXXX Account manager 's Rep Id : XXXX Loan Information : XXXX XXXX Private Student Loan Account # XXXX, XXXX, XXXX Amount : {$4200.00} Settlement date:XX/XX/2010 Settlement Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

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 2022-07-12
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I began having issues and calling in XXXX concerning past due and late payments which was supposedly resolved after speaking with a supervisor. I called again in XX/XX/XXXX ; I made 2 payments XX/XX/XXXX, and another payment XX/XX/XXXX ; I called again in XX/XX/XXXX and learned my payment was being held in a suspense account for whatever reason I did not get a resolve to. XX/XX/XXXX only {$390.00} of my {$1600.00} was reversed which made it appear my payment was not made. XXXX payment was missed and I made 2 payments XX/XX/XXXX. From XX/XX/XXXX to date all payments have been made ; however, the mortgage company refuse to apply the XX/XX/XXXX unapplied payment of {$1200.00} to my account. Each time I call I continue to be transferred and after a 2 or 3 hour hold the matter has of yet to be resolved. There is also a late fee amount over {$610.00} they have as outstanding, however, according to my records and their statement the amount is {$280.00}. I began calling this morning and was transferred to 3 customer service agents and after explaining the issue each time was told I would need to speak with someone in escalations and I have been on hold now for 3 hours and 12 minutes which is ridiculous. It appears they are not willing to resolve their error and this has been very stressful and I expect a resolution.

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