BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account XXXX XXXX XXXXs outdated and being reported incorrectly. The account is outdated and should be removed, Experian is reporting the tradeline as charged out with a negative balance. XXXX and XXXX is reporting this tradeline correctly.

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 2015-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I was transferring money from my home bank to a new account to fund a new investment account. The investment account was held by XXXX XXXX # XXXX at BMO Harris Bank. My initial wire request confused XXXX fields ( the " Account '' and " For further benefit to '' ), and the wire was returned, whereupon BMO Harris Bank charged an exorbitant {$30.00} fee for the returned wire, which was taken automatically from my transferred amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
the information they provided was incorrect I was unaware of any accounts that were closed due to fraud. they also took longer than 30 days to respond I would like to speak with the company

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 2015-11-06
Company: American Credit Adjusters
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from ACA on Monday XX/XX/XXXX XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX ACA on Friday XX/XX/XXXX XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt XXXX for {$850.00}. He claims I opened this account XX/XX/XXXX 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.

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 2016-08-13
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Pleases Find Out Who Is My Address XXXX XXXX XXXX XXXX XXXX Or. XXXX I Moved Here Over 21 Year 's And Never Moved This Is A Home .Please Correct Thank You. 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 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have a lot of Hard inquieres, on my credit report the only thing I can think of my computer was stolen early this year. I had all my information in it, also it saved all my passwords and would put in all my info on any app that a person went to how can you help if you could. I have tried to send letters to the credit companys and the bureaus with no response when I did get a response it said no action taken. thank you in advance

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 2017-05-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XXXX , I applied for a  Bar Loan t hrough  XXXX  know  Navient. I r eceived the loan in the amount of {$15000.00}. Later in  XXXX , I paid a lump sum in the amount of {$5000.00}. Afterwards, I made reduced payments under the reduced payment and interest plan for about 3 years. According to the billing statement received  XX/XX/XXXX , I owe {$14000.00}.  <P/> Also, at the latter part o f  XX/XX/XXXX , I s poke with representatives to re-certify for the reduced payment and interest plan. I was informed by multiple representatives that I did not qualify. However, in  XXXX  the automatic payments for the reduced payment and interest plan were still being deducted from my bank account in the amount of {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a account with capital one in the past and I noticed few transactions from XXXX XXXX has been taking out of my account totaling around {$1800.00} and I disputing these transactions with capital one few years ago and yet they denied my claim and unable protect customers from fraud and rebilled my account .. if they dont open up a fraudulent investigation and Protect me from further fraud I will take legal actions against this bank. Like others customers that have did with XXXX transactions fraud .. once again my claim with XXXX XXXX payments were denied by the bank I called XXXX XXXX back in XXXX of XXXX and they close this fraudulent credit card in my favor and since I didnt apply for this account and removed it off my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Barclay. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2016-03-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Made a payment and they say they do n't have it. I had my bank send them proof, but they charged me a late fee and still say they do n't have it. My loan was sold to this company in XX/XX/XXXX and we have had problems ever since. I have made numerous calls and never get anywhere. I mailed my XX/XX/XXXX payment and called the day before it was due just to make sure they had my payment. They said no, so I did a stop payment on my check and did a check by phone with them for a XXXX fee. The next day, they tried to cash my check. I am sure they had it all along. For my XX/XX/XXXX payment I did an EFT payment through my bank because I was afraid to mail it after the XX/XX/XXXX mess. Now they say they do not accept EFT payments, but the XXXX XXXX servicing center took my money and still has it. What am I supposed to do?

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 2017-05-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have file d two di sputes to update the following information one on  X/X/  17 an d one on   XXXX   17 - not hing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :   XXXX   Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting a n Open sta tus, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all  XXXX  reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is re porting no term which should reflect 360 months. The payment status is incorrect on   XXXX   and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TD BANK US HOLDING COMPANY
State: PA
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:
TD Bank XXXX XXXX recently started charging an interest rate fee on foreign transactions. I did not receive proper notice of these charges. Now I am being charged small amounts monthly. Unlike other credit card companies, I'm unable to allocate my monthly payments to directly pay off my foreign transactions. The only way to stop getting charged these small amounts is to pay off the entire balance. There is no recourse, there is no way to stop the fees, and I was never aware that I would be charged. This seems like dishonest practices to nickle and dime customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Financial Business and Consumer Solutions.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I understand that I owe money to university of XXXX. But unfortunately the past fees years have been very difficult for myself. I barely at times have enough money to pay bill 's let alone try to pay off debts. I have filed before on this matter of being threatened of being arrested to harassing phone calls to my XXXX year old father. They call five times or more. Never answwer when picked up or hang up when I answer. Now I 'm in a position that I have no work or income coming in. Yes I want this matter resolved but trying to find a job where I live is hard and being sick makes it worse. I have filed bankruptcy once and feel I my not have a choice now But to do it again. They refuse to send me any kind of document regarding this matter and have asked them to stop calling due to the fact I do not have a phone and the number that are calling is a friends phone. He is constantly having to stop at work and answer the calls. He has told them to stop and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX and XXXX I did a bank transfer from one account to my BOA savings account. On XX/XX/XXXX and XXXX BOA did an ACH correction where they deducted 2 {$400.00} amounts from my account. On the XXXX of XXXX I spent the entire day on the phone with my external bank and BOA. BOA was saying the external bank requested the funds to be returned. My external bank said " they didn't request the return, the money cleared my act just fine ''. I ended up going to the branch to physically show them that the money was cleared out of my account. The BOA rep started a claim. On the XXXX of XXXX I was credited {$400.00} for the XXXX of XXXX Then on the XXXX the of XXXX the same two - {$400.00} were taken out of my account. I went back to the branch, the rep got on the phone and started another claim. Today XXXX, I received a non description letter sayin after their research we have determined no adjustment need. THAT'S ALL THE LETTER SAYS!!!! So I call BOA back and low and. behold the " research dept doesn't speak to customers, we don't even have a direct number for them! '' WHAT KIND OF XXXX IS THAT!?! BOA has access to my money, can do whatever they want, and don't have to give an explanation. This is unacceptable. I WANT AN EXPLANATION!!!

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 2015-04-23
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by phone in XXXX or XXXX by FBCS , Inc for XXXX medical debts. I asked for debt verification, and the rep danced around the issue, and suggested that we make payment arrangements on this debt that they stated was from 2009. I honestly do n't remember if this debt is valid or not, but the rep said they would send me debt verification, which ended up being a generic looking document on their letterhead, which also looked generic, with XXXX or XXXX sentences stating that I owed the debt. Before I received that, I do n't recall getting anything at all from them. The debts totaled less than {$150.00}, so in good faith, I made a payment arrangement, but told them that I wanted true debt verification information, which I never received, even after I had made a couple of good faith payments. 

My suspicion about these debts, as well as the agency, kept growing, and I became more and more uncomfortable with them. They would even call a week or XXXX prior to my arranged due dates with them to make sure I was going to make the payments. Every time they would call, I would tell them that I never received the debt verification that I had repeatedly asked for. During the last call I received, I told the rep that I was going to file a complaint against their company with the CFPB, and she told me to do what I had to do. The final straw for me was that they put this debt on my credit report, which seems almost like a bully tactic to get me to finish paying off this possibly fraudulent debt. I do n't know what to do about this, but I am livid. Will you, or can you, please help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint wrongfully forceplaced insurance on our home XX/XX/XXXX to XX/XX/XXXX. 
They sold the mortgage to XXXX XX/XX/XXXX. 
We have sent evidence of insurance for the period in question through my insurance agent as well as myself by phone & fax. They will not accept emails. A new person answers each time and claims not to know the previous person that attempted to resolve the issue. Most recently it was XXXX in XX/XX/XXXX ( we were told a refund check would be mailed. Never received ). Then XXXX employee # XXXX was looking into the issue additionally requesting I share documentation by fax. Today XXXX  ( " XXXX '' ) advised they saw notes on file. Checking into the matter of a refund. Put on hold for over 20 minutes then call dropped. All persons communicated with are polite but no action or follow through occurs to refund the premium.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-19
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute the debt with DRS and XXXX. I have not received any information from either company that shows the debt is mine. I do not owe this debt and have never had an account with DRS or the company they are trying to collect for.

Company response to consumer: Closed with explanation