BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2500.00} Terms NA fair credit reporting act violation never late

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 2016-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan servicer XXXX XXXX transferred our loan on XX/XX/21. At the time our escrow balance was {$11000.00}. The new loan servicer SLS Mortgage stated that they only received {$3000.00} from XXXX in our escrow account. There is a {$8600.00} difference between what one company is stating they received and what one company is stating they sent. I contacted the county and neither company made our XXXX tax payment nor any other payment. I have called both companies for proof of what was sent... cancelled check or proof of wire. And I asked the same thing from the receiving loan servicer. 7 weeks later I have not been able to get proof from either company. In the meantime, I am required to pay an addtl. {$800.00} per month due to an " escrow shortage '' in my account. I have called both loan servicer 's several times within the last 7 weeks as well as mailing each of them a certified letter. I am out currently out approx. {$9000.00} and unable to get this issue corrected.

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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Between Navient and XXXX XXXX i have XXXX school loan from XXXX ... when navient took over XXXX it doubled my student loan on my credit report with late payments/ defaults showing which are not true.in my credit report it shows double loans both over XXXX. I have tried to disputed with both companies to remove XXXX of the loans but each company blames the other for the error and makes the other responsible to remove.this double student loan with negatives has hindered and prevents me from increasing my credit score to ever be able to purchase a home.. i have tried with several lenders and they all have pointed out the same dent in my credit report its due to this student loan from XXXX ... XXXX years later! I have had to work hard to show proof in ogher ways that im am capable of managing my money and credit by havingbto open credit card accounts and showing that i am " on time '' with no late payments on them.the struggle and the numerous phone calls to these companies is a headache and at the end i have gotten endless run around with them. Meanwhile i cant purchase nor get ahead in this world because of this error. I suffer, my kids suffer and Navient just does n't care to respond nor take any action. I wish I would have never taken out a school loan biggest mistake of my life that is still haunting me XXXX years later. 
Please hepl me remove these errors from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSWORLD SYSTEMS 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 is my 2nd complaint. I have requested validation of the alleged debt, not verification, in writing twice. The company is either unwilling or unable to do so. This is a violation of the FDCPA. I have disputed with XXXX. This company continues to report to XXXX which is a violation of the FCRA. They have removed it from XXXX but not XXXX. They have had months since my last complaint to either validate the debt or remove the credit bureau listing. Simply sending a copy of a bill is not enough. This bill goes back to when the utility company was own by a different company. This bill shows service being billed while I had an active account at the same address. This bill has only one number different in the account number. I believe this to be a mistake. A bill does not provide enough information for me to research my own records. There is nothing that proves I ever agreed to be responsible for this alleged debt. I have exhausted my resources and I will be pursuing litigation shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
In XXXX on Renewal of my BOA alaska visa card ending in XXXX I was offered XXXX to not close the card. I accepted the offer, it has been 6+ months and they have not credited the promised XXXX miles to my account. I have called several times and they always promise to post the miles, I have a fairly large sum of money at BOA and this has been a big waste of time to try and get what I was promised.

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 2017-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I asked  capital one for a  credit limit increase, I was denied due to not paying enough per month on my bill ( which is n't true ) besides payi ng 6 times the minimum amount due I pa y early every month also my balance is 10 % of my credit limit. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
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:
Last month I received a Atm card from this bank with no explanation. They told me my account has been compromised and the person took all the money in my account. I provided the branch a police report when my identity got stolen last year they assured me that I would get my money back. I reported them before and the president office never returned my calls. They are giving me the runaround. They do n't care or value me as a customer they are very unprofessional and not sincere. They had very difficult time inputting everything in the system that the bank manager had to process the request. I never got my replacement card or my funds back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. EQUIFAX MTG on XX/XX/XXXX ( Reported Identity Theft ) 10. EQUIFAX MORTGAGE SERVI on XX/XX/XXXX ( Reported Identity Theft ) 11. EMS on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
They ran my credit with out my authorization.. I have sent them letters numerous times and no response

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Carter-Young, 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:
Carter young is falsify information to collect on debt that is not mine. It is fraudulent. They have also violation of FCRA AND FDCPA by adding additional fees to alleged debt to collect. I have sent them a dispute and they sent back a letter with multiple false names which are not mine and false information. This is effecting my livelihood. I demand for {$1000.00} due damages carter young caused me stress, mentally, physically, and also emotional distress with the constant calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: MoneyLion Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am using Moneylion prepaid card to receive my work payments and the card is not trusted everywhere so I have to transfer money to other cards to make purchases. Moneylion froze my account claiming it is because of fraud. I turned in all documents needed and still am unable to access my money after two weeks of being told it would be unlocked after 48 hours. The people I have talked to have been rude and giving me the run around. Which leaves me to believe they are playing games and never really escalating anything.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I asked XXXX XXXX XXXX for a discount on my automobile insurance they stated that they did not have any discounts, so I obtained another insurance company XXXX and told XXXX I do not owe you money they sent notice that if I showed them my Declarations page they would delete the purported money I owed them I do not have to send them any more of my personal information I do not have insurance with them any longer. So this what I received in the mail in XXXX. I do not have an account with this company. This is IDENTITY THEFT pursuant to 16CFR 603.2. I have contacted this DEBT COLLECTOR. I am feeling upset, about this and I try to sleep but ca n't do that much because of my Credit Report being torn apart just because when I want to secure things for my personal, family or household use, I have intruders trying to steal everything I have in the name of DEBT COLLECTION I did not give my permission for this DEBT COLLECTOR CREDIT COLLECTION SERVICES to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR CREDIT COLLECTION SERVICE to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I do not know how this DEBT COLLECTOR Obtained my non-public private information which is a GRAMM LEACH BLILEY ACT violation. This is IDENTITY THEFT pursuant to 16CFR 603.2. This DEBT COLLECTOR CREDIT COLLECTION SERVICES is trying to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CREDIT COLLECTION SERVICES, this is aiding and abetting fraud on the Consumer who is a natural person. I do not know where they got some figure saying I owe them they are strangers into my private affairs. 
This Debt Collector has violated and harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this CREDIT COLLECTION SERIVES DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I was contacted via text message on my XXXX cell, in an attempt to collect a debt owed by another individual. I returned the call and was asked if I was another individual. I responded that I was not the person they were seeking. I was asked if I was related to the minor that had accrued the medical debt. I stated yes, but due to a court order, I had not been associated with the debt guarantor for over four years. There is no documentation with my signature guaranteeing payment for non-eligible coverage related to medical care, the guarantor is my ex-wife. We do not share households.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card number was fraudulently used by an unknown person online to purchase items at a XXXX XXXX in XXXX on XX/XX/XXXX. The items were picked up and signed for at the XXXX XXXX XXXX on XX/XX/XXXX. My Visa card with Bank of America was charged {$1000.00}. I became aware of the charges in the next monthly statement. I instituted a fraud claim with Bank of America and changed the account number immediately and destroyed the credit card per B of A instruction. The physical credit card was not stolen and was never out of my possession. B of A investigated and their decision of XX/XX/XXXX is that the charges are valid and I owe the amount noted. No documentation has been received from B of A to support their decision. Note also my account had a security threshold of {$750.00} which stipulates I should have been contacted for the charge to be debited to my credit card account ; no contact was made for approval. B of A has not given me a fraud affidavit or any other support to assist in this fraud claim. I have filed a police report with the XXXX, AZ police and have notified the XXXX credit bureaus of the situation and place a credit freeze on my name and credit. I feel that B of A should provide me with the signature of the transaction as well as any other documentation utilized by them to deny. The account is now drawing monthly interest charges for the disputed amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a parent plus loan with XXXX/Sallie Mae that my daughter neglected to pay. When I found out I started paying {$86.00} a month. Approx. 2 years ago, XXXX called me saying it was n't enough & I was just paying off the interest. I told them I could n't pay much more than that. They asked for {$120.00} a month. It was a struggle but I am paying that much monthly. Now they raised the amount to {$240.00} a month which I can not pay so I have been paying the {$120.00} a month instead but they do n't like it. They continually harass me by phone ( I have proof on my cell phone ) even though I am still paying & now they are charging me astronomical charges because I am not paying what they want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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:
I HAVE MULTIPLE CREDIT INQUIRIES ON MY REPORTS IN WHICH I DO NOT RECOGNIZE! THEY NEED TO BE DELETED IMMIDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear sir/madam today XX/XX/2017 as I checked my credit file on XXXX, I noticed that a fraudulent collection was noted on my credit report. 

I do n't know this company or any of it affiliates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent several letters out to XXXX, Equifax, and XXXX beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful. 

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-14
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20 I asked my bank, XXXX to reverse charges for XXXX shoes. On XX/XX/20 Xero shoes refunded my money in two parts. XXXX then reversed my dispute and rebilled me for the original transaction. Paypal says that I owe them since they did not receive the reversal of the dispute nor the rebilled. I have spoken to Paypal many times including having one of their Representive speak with a XXXX Representative. The XXXX Representative told PayPal that I do not owe PayPal anything because the money was sent back to Vendor 's bank account. Therefore the issue is between PayPal as the processor and the Vendor 's Bank. The amount PayPal says I owe is {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Student Loans that were paid off via Sallie Mae are not listed as paid via XXXX, they are listed as being defaulted, and have been garnishing tax returns as well as social security checks every month. Garnishments do not pay anything towards principal balance ( on loans that were paid off ) .... All interest is paid off on loans and everything else goes towards collection costs. Also the collection costs, as well as compounding interest is based off of loans that have been paid off.

Company response to consumer: Closed with explanation