BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/2016 I started my dispute with XXXX regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Experian deleted all except for the bankruptcy. However, they did not provide any documentation verifying my signature on this bankruptcy. They stated verified but provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Experian to validate this information and provide me with copies of documentation associated with this account. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In response to this letter, Experian states they have verified the bankruptcy. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against this agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.

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 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Paid off card then company sent XXXX bill which I sent in before the next months bill but had the wrong information on my account then they closed my account and dropped my credit score a XXXX points. I have never been late on payments and think this is unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has forwarded my account to collections and legal action because I have not paid. I have been trying to pay but due to being out of work ( even though I was trying my hardest to find work ), I could not afford any payments. I explained my situation and they would ask for my income vs expenses and agreed that I had no extra income in which to pay, yet when a manager was contacted I was told I had to pay if I did n't want further action to be taken. I felt bullied into trying to find money that I did n't have because I would receive at least 6 calls a day everyday from their different locations saying that I had to pay or I would be taken to court. I was never offered a reasonable repayment plan. I would explain to them my situation and offer an amount I could definitely pay but was continuously told that was n't enough. They kept suggesting using a credit card - which I do n't have - or ask people I know for the money. I do n't know anyone who I could ask for that money. I feel that they should have been willing to take any amount I could pay a month instead of rejecting everything I suggested. My interest has added {$1000.00} 's of dollars to my loan and this has affected my credit. Navient is now telling me that they will take me to court due to non-payment. I just got a minimum wage job and am willing to pay but that is no longer an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loan was sold by XXXX to Navient. Navient then " adjusted '' my account so the due dates of the XXXX loans were the same. This somehow resulted in my monthly payment going up by {$10.00} per month. Over the remaining 72 months this results in Navient receiving an additional {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
from XX/XX/2020 i was charged 19 x over draft fees each at {$35.00}. I have multipole accounts with capital one caring huge balances. these fees were charged on one particular ( non-for-profit congregation account ). I was told the account was set up with an overdraft backup to draw funds from my other account if overdrawn. this never occurred. instead they charged me 19 times {$35.00}. over the phone they did provide me a small refund for ( 4 ) of the 19 fees, but I'm still out the remaining 15 for a total of {$530.00}. I fee its unfair form Capital one to charge me these excessive fees for the following 4 reasons ( 1 ) you should've covered the overdraft form my linked account ( 2 ) this is a non-for profit business which can not afford these excessive bank fees ( 3 ) based on my overall relationship with capital one at which i have huge balances in my other accounts ( 4 ) due to the difficult Covid-19 situation which is devastating for our congregation and effects all operations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-17
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account from my credit 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Wells Fargo Sent a XXXX through their system, and held the funds for 15 months. After many attempts I was unbale to get the funds. 15 months later Wells Fargo sent a check. They took the money and held it for 15 months.

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 2019-02-06
Company: COOLEY ENTERPRISES INC
State: TX
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:
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by Clay Cooley XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX XXXX the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-29
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:
I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police 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 2022-03-19
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently purchased a new phone. XXXX XXXX XXXX had asked me to mail in my current phone. They said that I'd be charged a fee if I did not return it. I immediately sent the phone back, as requested. I assumed everything was handled. We are in the middle of purchasing a new home and I was asked about a collection item that is from AFNI. After further research, I see it was a charge from this phone. XXXX & XXXX is claiming they did not receive it and have charged me this fee. Now AFNI is attempting to collect from me. This is an invalid debt. This needs to be handled immediately. If this matter is not handled immediately. I'm not in jeopardy of not qualifying for this home and if we do, the interest rate is going to be considerably higher than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Innovis
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a record on my report and asked that in the verification they include how the item was verified, the name of the person that verified the item, etc. This was done twice and both times the information was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: BYL Collection Services
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt is ruining my life!!!!! In the past, I was denied housing with my spouse because of these people, and the debt is for {$9000.00}!!!! We are on a fixed income, and in no way, shape, or form afford that! These people are liars!!!!! They kept jacking up my rent without notifying me about it!!!! They lied!!! I now live with my spouse, however this still needs to be taken care of!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Credit bureaus are reporting wrong names and 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 2022-03-19
Company: Experian Information Solutions 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:
XXXX RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) BALANCE : {$410.00} STATUS : DEROGATORY ACCOUNT # XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 


XXXX  XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I made a Full File Disclosure Request Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) to Equifax in writing. 

I received no response. On XX/XX/XXXX I sent the request again. I included my Security PIN both times. XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  responded. 

I still have not received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Another person 's name has been added to my 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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted Transunion XXXX of XX/XX/2021 to have these inquiries removed they refused to removed them and I am concerned Ttansunion has our credit information open to foreign workers in others countries that when you can you can't understand them. Please see attached document

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 2022-10-10
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I looked at my credit report, there was a collection account that comes from Southwest Credit Systems. It showed that I owed a total amount of XXXX debits. But actually, this is not mine. When I contact XXXX to dispute it, they said this debt is under someone else 's name. I believe this is a fraud. Also, there is a closed XXXX  XXXX XXXX account that belongs to this guy showed in my report. It's also a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police 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 2017-01-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I downloaded check images because online messaging ( in XXXX or earlier last year ) said you 'd stop having check images available from switching to the new system. I downloaded everything at that time, but it looks like you had a trial period that lasted another month and the images were n't moved over to the rest of the month. I have images from late XXXX to XXXX missing. Basically all checks from number XXXX to whatever is now showing ( # XXXX ), is not available to download. Further, I/we ( with help from family ) requested help from online support and they tried to say it should be there, which is not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XX/XX/2015, Discover posted a promotion that advertised XXXX % cash back on purchases made with XXXX Pay. They amended the terms and conditions after the offer had started to add a condition prohibiting gift card purchases. Then, starting in XX/XX/XXXX, Discover arbitrarily and without proof began to disqualify entire purchases based on their hunch that the purchase might contain a gift card. In order to receive the cash back promised on the payment, the customer was required to provide receipts ( which has never been, and still is not, in the terms of the promotion ). 

I first received notice of disqualified purchases on XX/XX/XXXX ( attached : XXXX ), with additional notices on XX/XX/XXXX ( attached : XXXX ). I e-mailed Discover on XX/XX/XXXX to let them know that I had not saved the receipts from those purchases, but that they were all at least partially non-gift card purchases, and requested the XXXX % cash back that I was due. I received a response from Discover on the XXXX ( attached : XXXX ) telling me they would request my receipts from the merchant and I would hear back when they were done reviewing the account. 

It is now XX/XX/XXXX and I have n't heard anything from Discover since then. I would like my cash back, as I have paid an opportunity cost in using Discover over other cards at that time. The amount of cost in disqualified purchases was {$1800.00}, so I would be owed {$180.00} cash back on the purchases if the full amount were to be found eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX around XXXX, I made an online payment on the Bank of America website for my credit card bill of {$7700.00}. On XX/XX/XXXX I went to the BOA website to check if the payment had been processed, as it was due that day. As of XXXX XXXX  there were no pending payments, so I checked my bank and the amount had not been withdrawn. 

I called BOA and spoke to a representative who confirmed that there were no payments pending. I asked her to double check because last year, I had a similar problem where there was no posting on the website so I made the payment twice thinking the first transaction did not go through. After waiting for a few minutes while she consulted another department, she said there weren't any payments pending. Therefore I gave authorization over the phone to withdraw the amount to avoid penalty. I thought the matter would be finished. 

Yesterday when I checked my bank account, I found that two withdrawals from BOA for {$7700.00} were made on XX/XX/20. Immediately I called BOA and informed them of the mistake and asked to return the money that day. They agreed to refund the {$7700.00} but they told me it normally takes 2-5 business days, however up to 10 days. 

This money should be refunded to me IMMEDIATELY. To wait this amount of time for a " refund '' is unacceptable. Because of such a large amount of money was taken out of my account, it was in deficit. This is causing me financial and emotional distress. I need that money to be returned now so I can pay the rest of my bills for this month. 

There is a serious problem with BOA online bill pay and a lack of accountability for this mistake. As I mentioned this is the second time that this has happened. I had specifically asked the representative to double check that no transactions were pending. I spoke with 2 managers and neither could offer any assistance.

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