BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$79000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PayPal permanently banned user from using the PayPal service for false and undisclosed accusations of violations of the service 's user agreement. At no time prior to the ban being placed was the user contacted for input, explanation or self-defense, and the company refused to provide any details to the user concerning why such action was taken by company. User had no warning and no recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid at the hospital before the hospital would complete a XXXX procedure on my wife in XX/XX/2019. Works and Lentz continues to harass me and my wife. They have continually called my wife 's place of employment. The caller states that they are a lawyer and will sue us if we don't pay them also. Caller says that we still owe them even if we paid the hospital directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). 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 2023-07-30
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out two private student loan with American Education Services during XXXX and XXXX to cover tuition and expenses while attending school. The total was about XXXX. The first year I was giving reasonable repayment options but now interest rate has shot up to over 11 %. XXXX or XXXX of XXXX I reached out about lower repayment options I was told I used my time up for lower payments. I feel American Education Services are getting over on college students who are inexperienced and desperate for funds. I have paid back XXXX and have been paying since XX/XX/XXXX. That is about 13 years and I'm still paying with no relief in sight. I can actually pay off at XXXX vehicle off in 7 years but not a student loan. It is a shame I have to borrow money to make payment or choose between gas or food.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chime Bank has stole over {$1000.00} from my account. This particular transaction posted at the XXXX, Texas XXXX on XX/XX/XXXX, XXXX XXXX. I have contacted XXXX and this Transaction is nowhere to be found in their system. Also, XXXX XXXX XXXX is closed at XXXX. I have contacted Chime multiple times to files a dispute. Unfortunately, they closed my case without doing any investigation. I am now stuck with a near - {$900.00} balance that my XXXX direct deposit has went toward. I am still with over a - {$200.00} balance because of this. I have an active police report filed through The XXXX Police Department, a copy of my statement, proof of an overdraft limit ( Spot Me ) of {$20.00}, receipts of previous transaction that are time-stamped and match exact times associated with said transactions found on my statement ( this proves real-time notifications ), as well as transaction ID 's and other supporting documents. I am in the process of receiving other documents from the Detective, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: United PanAm Financial Corp.
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:
XXXX shows on XX/XX/2023 united auto credit co, accessed my credit report info illegally and without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Mr. Cooper Group Inc.
State: SD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper took over my home loan in XXXX with the first payment due in XXXX. My husband and I do not share bank accounts, therefore ; we each pay half of the monthly payment out of each account. The first time I made our payments, they were applied to principal. In mid XXXX I recieved a late notice, so I made another full payment. I called and they helped to adjust my payment and told me how to make the payment going forward. I followed those steps, and even made a payment early to ensure it would be applied correctly, and again, my payment was only applied to principal. I called again and was told that my account hierarchy could be changed to suspend the payments I was making until the full amount was recieved. Then, the other half of my payment came out, applied to principal, and they sent me a notice that I had funds in suspense and if I didn't make the rest of my monthly payment, they would return the funds that THEY suspended. I called again and was told that they don't even accept partial payments, then when I spoke with an escalations representative, they said the person that was supposed to change my hierarchy, made a mistake. No one at this company knows how the product works and people are going to lose their homes because of it.

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 2023-08-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to unfreeze my credit file with Experian. Every time I try to go to the page that displays the option to unfreeze, I get the error saying : " Status not found We're having trouble loading your information. Please try again later. '' I have tried to call Experian and no one was willing to help. I need to urgently unfreeze my credit file so that I can apply for a credit card.

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 2023-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I am the borrower on a Conventional loan that started in XXXX. The original purchase price was {$320000.00}. I have been paying PMI for more than 17 years. 

Per the consumer protection act PMI should have automatically stopped when the loan balance was 80 % of the original purchase price. 

Bank of America failed to acknowledge that surely after 10 years ( in XXXX ) the loan balance was less than 80 %. 

When I spoke to Bank of America they disagreed with me and took a stand they what they did by collecting PMI on a loan for more than 15 years was proper. 

There is no way a borrower should be paying PMI for over 15 years. 

Bank of Americas policies to collect PMI are unfair to borrowers and similar to government having people pay on student loans for 20 or more years.

This standard of not removing PMI once LTV is 80 % of the original purchase price is predatory and should be illegal. 

Bank of America sent me some documents to support their decision. However they failed to send the documents from their Escrow department dated prior to XXXX that show that mortgage was eligible for PMI removal a long time ago. This is dishonest and unfair to borrowers. 

Laws need to be changed so borrowers are not paying PMI way pass the point of that 80 % LTV point. 

Lenders should not be profiting off of collecting PMI for 10 to 20 years.

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 2023-07-30
Company: Westlake Services, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Westlake portfolio management has taken over my lease with American car center in XXXX of this year, Im finished paying my car off XX/XX/XXXX. They said I owe thousands of dollars but wont send me proof of the debt they say I owe and claim they wont finance the balance because they are not licensed in the state of Alabama so are threatening to take my vehicle. Several times I have tried to contact them to work something out but Im constantly getting hung up on or transferred to different departments that cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$1400.00} XX/XX/XXXXXXXX XXXX  XXXX {$1500.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
This guy on XXXX is doing a fraud bible and he takes people information and makes money from it he did it to my friend and myself and a lot of others his username is XXXX.XXXX  and hes doing fruad and stealing identity I would like him in jail. He has stole thousands and his friends do it too

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 2023-08-20
Company: Experian Information Solutions Inc.
State: NH
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: GA
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:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
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  ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : THIS ACCOUNT IS UNER FRUAD NEED REMOVED ASAP. ALSO TRYING TO GET A HOME SOON.

I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ ] XXXX Reason : [ INFO NOT RIGHT THIS UNDER FRAUD NEED REMOVED PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called SunTrust to close my checking account as I moved and the closest SunTrust is over 3 hours away. They refused to close my checking account over the phone. They said that because it had more than {$100.00} dollars there was some kind of security confirmation and they asked for my phone number. Then they said even though the number matched the one on my account and they could see it was the phone I was calling them from that it didn't pass their " third party verification '' test. My cell phone plan is in my wife 's name so apparently that fails the test despite the fact that she is also on the checking account. I told them to just close it and send a check to the name and address registered on the account that's been the same for more than a year. They refused. I asked them to do their extra security verification in any other way since their " third party '' cell phone number verification was not working. They refused. I got a manager on the phone and she also refused to close my account. They stated that I would need to withdrawal all the money so that the balance was under {$100.00} dollars or they wouldn't close it. There is a {$3000.00} min balance on my account so doing that would likely result in generating a fee, but they didn't care. The manager told me the only way to avoid the fee would be to change my account type, but the new account type came with a $ XXXX monthly fee. She said if I hurried then I could remove the money and close the account to avoid the fee. This is very unacceptable in my opinion. No bank should be able to refuse to close an account in good standing and proceed to make the customer jump through hoops to hopefully get it closed and avoid fees.

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 2020-09-30
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.

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 2021-05-18
Company: Certegy Holdings, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
I received a check from the U.S. Treasury department in the amount of {$1400.00}. I do not have a bank account and desperately need this money so I took the check and my government issued, valid I.D to my local XXXX grocery store. The employee at the customer service desk/money center immediately ask me to sign the back of the check. After doing so, I was asked to enter my social security number repeatedly on their debit machine. After approximately 5 minutes, the employee rudely informed me that they could not cash the check nor give me a reason as to why this decision was made. She handed me a XXXX receipt that had a phone number for " certegy '' listed on it. She told me " they will explain everything ''. I immediately called and was told even less than I already knew. I now have a {$1400.00} check I can not cash and have no idea why.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 accounts are not mine and have not been investigated properly using XXXX XXXX compliance and according to the FCRA standardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX own website says it takes up to 30 days to investigate accounts. But these account keep coming back verified in only XXXX days how is that possible if you are following the laws.

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