BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am writing to report a violation of the Truth in Lending Act ( TILA ) by [ Loan Servicer 's Name ], regarding my recent loan account with their institution. I seek your assistance in addressing this matter and ensuring that my rights as a consumer are protected. 

On XX/XX/2023, I initiated the process to pay off my loan with ACIMA. The original principal balance of the loan was {$330.00}, and I expected the final payoff amount to be consistent with this principal balance. However, to my surprise, the payoff balance quoted by the company amounted to {$730.00}. 

Upon inquiry, I discovered that the inflated payoff amount included exorbitant Non-Sufficient Funds ( NSF ) fees that were added to the balance. These NSF fees were levied due to a failed attempt to debit my account for the payment. I contend that the inclusion of these NSF fees as part of the payoff balance violates the TILA and consumer protection laws as I never ever received a billing statement by mail to advise of such charges being added to the principle balance. 

Subsequently, I contacted ACIMA to request a refund of the {$340.00} in NSF fees, which were wrongfully included in the payoff balance. In response, the company stated that these fees could be treated as part of the payment and added to the payoff balance. This assertion contradicts the TILA and is an unfair and deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
For years, I have been going back and forth with two credit bureaus and my oldest line of credit because it is not being reported on my TransUnion and my XXXX credit reports. This was not always the case, but it is and has been for years. Both TransUnion and XXXX say that the credit line is not being reported and I should contact the credit line to have them report it. I contact the credit line and they not only tell me via phone that they are reporting to all three major credit bureaus ( XXXX, TransUnion, and XXXX ), but they send me letters from the XXXX XXXX Department stating that their records indicate that they ARE reporting to all three. The most recent letter was sent XX/XX/2021. 

I have sent proof of that documentation on several occasions. I have called, opened a dispute online, as well as submitted documentation via mail showing them it is being reported. However, as time goes on, the credit line still does not appear on either TransUnion or XXXX. What is equally frustrating is when you call; you have an artificial intelligence agent that you have to go through just to get nowhere. They constantly tell you to go online to dispute. However, since a missing credit line is not one of the items listed to dispute, the website does not allow for you to submit documentation for that issue. 

Knowing that my oldest line of credit ( which is 25 years this year ) is not reported on TransUnion and XXXX is frustrating because I know that your credit history is a good portion of how they calculate your credit score. 

I am beyond frustrated with this whole system. I wish the whole credit reporting thing didn't even exist ( and I have excellent credit ). Since we are so heavily surveilled and we have become the product ( since our information is sold over and over ), the least TransUnion and XXXX can do is report ALL of my current, open, revolving credit lines. We did not ask to be a part of this game. But since we are, at least treat us fairly.

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 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They've reimbursed me for purchases that where made unauthorized by me and then, made my pay them back for the reimbursement, they refund my accounts for unauthorized purchases and payment made from my accounts.

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 2023-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From the period of XX/XX/XXXX- XX/XX/XXXX. I have been getting over draft fees from M & T Bank. I put this period time line as this is the frame of my complaint. M & T Bank has been charging me over draft fee 's unfairly when I could have just transferred the funds into my account to make sure that said payments would be taken out from the merchant. I have a total of XXXX accounts with them and they are very misleading when opening business accounts as well. They did waive four fees for me, but the others are not justifiable. I believe a total of {$3800.00} or more of fee 's have been taken out of my account with M & T Bank. There banking practices are unreasonable and unfair when it comes to fee 's. From this particular period I didn't have overdrawn account protection due to the pandemic. It's been very challenging for me and I have been banking with them for over 5 years. I understand that this is a corporation. However, they have some very unfair practices with over draft fee 's. I made a payment on XX/XX/XXXX for {$27.00} and transferred the amount in my other account because normally it takes 2-3 days for the merchant to receive the ACH and M & T hit me with a {$36.00} over draft fee in my account. I don't understand how banking works and I keep up with my account. This is getting out of hand with them charging fee 's in under 24 hours of transferring funds into another account.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-11
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022

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 2022-11-11
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPT OF EDXXXX XXXX Balance : {$3300.00} ; DEPT OF EDXXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LOANCARE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX Acct # XXXX LoanCare Mortgage LLC # XXXX Date Loan Open : XX/XX/XXXX Loan Modification Date : XXXX XXXX File Number : XXXX Dear : to whom it may concern I am writing to inform you that XXXX XXXX XXXX has taken out a mortgage in my name without my consent. I first became aware of this situation when I received a letter from your institution regarding the mortgage. I was shocked and dismayed that someone had used my personal information to obtain a mortgage without my knowledge or permission. I have all the necessary documents to prove I'm a victim of identity theft. I strongly request that your institution take immediate action to rectify this situation. Specifically, I ask that the mortgage be canceled and removed from my credit report. I have also attached any documents that may help resolve this matter. 

XXXX XXXX XXXX asked me to help him close a deal on XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX told me he needed someone with a fair credit score. I agreed and rented a room and a 1 % on the deeded. A year passed by I found out that he had taken a loan of {$450000.00} without my acknowledgment!? That's when I told XXXX what happened and why I have a mortgage under my name ; he told me he has a lawyer working on it. It would not affect my credit. That's when he toke me off the Deed that I was on 1 %. I didn't sign any paper or no cosign on the mortgage. 

He sent me an Email on XX/XX/XXXX, After I disputed the claim. He asked me to notarize a letter to take me off my credit report. The 2nd email he sent was an error. We all had to sing on the same day. We had to do it over again. The date has to be the same. Then we had to do it two more times because you need all four parts together : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. After going through that, I discovered he did a mortgaged modification. He removed me from the Deed, kept me on the mortgage, made a loan modification, and took an additional {$50000.00} loan. He promised to remove my name from the mortgage and tricked me into signing, and I thought he was pulling me from the loan mortgage. 

Thank you for your time and attention to this matter. Please go over the Document and review it yourself. 

Sincerely yours 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 explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account XXXX Account Number : XXXX Please remove it 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 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 explanation
Consumer complaint received 2021-04-26
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : Individual Account ending in # # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Date Assigned : XX/XX/2020 Balance Date XX/XX/2020 Paid original amt. {$100.00} Identity theft/unauthorized account opening / Fraud. 

There was identity theft/unauthorized use concerning my personal credit account under collection. I do not have any account number ending in # # XXXX with XXXX XXXX XXXX ( XXXX ) account. I never received any outstanding bills from XXXX XXXX XXXX. XXXX XXXX XXXX has forwarded a collection to : Helvey & Associates, XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX ( Office : XXXX and email : XXXX ). Helvey & Associates has failed to send me any notification in writing to collect debt nor was I aware of such debt. Helvey & Associates has invertedly attached a collection to my credit report without my knowledge. The derogatory public collection is damaging to my credit report and has followed by credit score significantly. In addition, the debt has a zero balance and marked as paid. 
I have called and asked Helvey & Associates to delete this reported collection to both XXXX  and XXXX  but has refused to do so. I have contacted XXXX XXXX XXXX and they have stated a notice was given to remove any collection since this individual account was already paid. In addition, the account number associated with this collection did NOT match my account number, so I am assuming this is a fraudulent account that got filed under my credit report. 
I have asked XXXX  and XXXX to please Deleted this collection under my credit report. XXXX  and XXXX  have failed to Delete this collection notice in a timely manner. This is my filed complaint with the Consumer Financial Protection Bureau and State Attorney General office. Please send me a letter or email confirmation action on deletion per requirement. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: I.C. System, 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 status incorrect

Complaint:
I stopped using XXXX XXXX services and move from my house the with internet service in XX/XX/2018. After this, I canceled my account with them. After canceling my account, they continued to charge me for services they never provided on an account that had already been closed. I do not owe them any of the money that they are requesting.

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 2022-11-11
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: Their investigation did not fix an error on your report

Complaint:
Please remove inquires and XXXX XXXX XXXX  I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.

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 2023-07-10
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX : # XXXX, Account XXXX  : # XXXX, Account XXXX : # XXXX, Account XXXX  XXXX XXXX : # XXXX, Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation