BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, my Bank of America account was compromised and the scammer transferred {$650.00} from my savings to my checking account, then used the XXXX feature built into the Bank of America app to transfer {$700.00} to themselves. 

On XX/XX/XXXX I noticed the fraudulent activity when paying off my credit cards and called my bank to report my identity had been stolen and explain what happened. Bank of America said XXXX would investigate the issue and open a claim. A claim was never opened and this still does not address that the scammer had access to my bank account to make the transfer from my savings to checking 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 explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I asked XXXX, XXXX, and Equifax to do a thorough search on my credit report and effectively remove the inaccurate reporting of XXXX XXXX XXXX off account. Upon my own investigation and that of XXXX we found the entry inaccurate. XXXX removed the entry completely, the others did not. A copy of XXXX 's results have been attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: KY
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: AZ
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 U.S.C 1681. 


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 15 U.S.C 1681a. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681a2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

15 U.S.C 1681i5. ALL ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS, REPORTED INACCURATE INFORMATION, AND THEY ARE TO BE DELETED IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF 15 U.S.C 1692.

15 U.S.C 1692e8. COMMUNICATING INFORMATION KNOWN TO BE FALSE. DELETE IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FCRA Sec 623a3 [ 15 U.S.C 1681a2 ] RESPONSIBILITIES OF FURNISHERS.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FDCPA Sec 807 ( 8 ) FALSE OR MISLEADING REPRESENTATIONS.

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 2022-06-20
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:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) & XXXX ( XX/XX/XXXX ) have 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 Unauthorized Inquiries : XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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:
MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRES RESULTED FROM FAILED ATTEMPTS TO GET CREDIT OR CARS WITH MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We rented a house through XXXX XXXX XXXX in XXXX, GA, while we looked for a house to purchase after selling our home. We signed a 12 month lease. However, we found a new house much sooner than anticipated. I contacted XXXX XXXX XXXX and let them know, we paid everything owed to them and left the property cleaner than it was when we moved in. According to the move out paperwork the company provided, we had paid everything owed. I even emailed an employee and she confirmed that we were paid up and didn't owe anything else. Several months later the company said we owed an additional XXXX dollars. I replied to that email with the response from the employee and didn't hear anything else. However, they sent the account to a debt collection law firm, and even after sending the correspondence from the employee who said our debt was paid, they continue to attempt to collect the debt and have placed it on our credit report. I also filed a complaint with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: TN
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 disputed with Experian on XX/XX/2023 about fraudulent accounts that are reporting on my credit report that has caused detrimental health effects to me due to Identity theft. I sent in My FTC report and affidavit, my dispute letter, my identification, and my social security card. The accounts that are reporting negative were not authorized by me and so I completed a police report and sent in all the needed items requested to prove that I did not authorize those accounts and that my identity may have been breached by the XXXX XXXX. They Removed the accounts but later put them back after going through the procedure that Our congress has requested consumers to do. The accounts are WF/Dillard/Account Number : 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 XXXXXXXX

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 2023-03-22
Company: Duncan Solutions, lnc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 Professional Account Management ( P.A.M. ) sent an invoice via email. The invoice was from the PA Turnpike totaling {$570.00}. I paid the invoice via P.A.M.s website. I was not supplied with a receipt after payment. PA Turnpike is stating they did not receive the money from P.A.M. PA Turnpike and PAM no longer do business together. I called PAM and they are stating they dont have my account. I have the email that was sent and the transaction from my bank statement showing that the balance was paid. I believe both companies to be unethical and are trying to get me to pay for a debt I no longer owe.

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 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 Accounts # 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  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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
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: Account status incorrect

Complaint:
I have tried contacting XXXX, XXXX, and Experian about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting 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 explanation
Consumer complaint received 2022-04-19
Company: FIRST ALLIANCE HOME MORTGAGE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX I Initiated conversation and expressed interest in locking in a mortgage with the lender. 

XX/XX/XXXX The lender confirmed that rates can be locked-in based on todays rates which were sent to me in an estimate, and referenced in the text message XX/XX/XXXX I asked the lender to make sure that rates can be locked. 
The lender responded verifying that yes, well get same rates as today.Market today hasnt changed so well be good locking in tomorrow I responded OK Several disclosures and estimates were sent to me from the lender up until XX/XX/XXXX. All disclosures up until this point listed the interest rate at the initial promised rate as discussed in conversation. 

The lender sends a loan estimate and disclosure for settlement on XX/XX/XXXX with a changed interest rate, without any notice or explanation. He later says that the market was too volatile and he had to change the rate. 

This was an act of predatory and fraudulent lending that should not be experienced by anyone. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I qualify for the PSLF program. I have been working as a XXXX for XXXX years. I was sent papers saying that I had less than 10 payments accepted out of 120! I was astonished. 

I was told that you could make BIG payments every year and they would count for 12 payments. 
In addition, I looked at my Balance and I was DETERMINED to pay it off in 2 years ... not TEN years, so I could buy a house. at his point, I felt like no matter how many payments I made, it was a fraud, and I had to just pay it down FAST, because the higher the balance the more the INTEREST! 

I started changing my payments : XX/XX/XXXX XXXX required XX/XX/XXXX. XXXX higher payment XXXX more than required XXXX XXXX XXXX XXXX XXXX XXXX higher payments XXXX more for 3 months than required XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment XXXX over required XXXX XXXX XXXX no payments required XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XXXX. XXXX -- -- -- -- XXXX in overpayments made during the pandemic that I could have used for a downpayment for a house I called up Fed Loan in XXXX and went over all my overpayments. I was upset, because I got a letter that showed that now almost XXXX of my payments were being ACCEPTED. 

I was told that NONE OF MY OVERPAYMENTS MADE A DIFFERENCE TOWARDS PSLF and ONLY the XXXX amount or the min payment! 

I spent hours on the phone and we calculated the amount to be paid back to me. 
I was told it would take 2 weeks to 2 months for the money to be paid back to my bank account. 

We went through EVERY TRANSACTION. I was literally taking the money I would have used to BUY HOUSE, and the PAYMENTS WEREN'T EVEN MKING A DIFFERENCE. 

My payments for the past 9 years that I had been making were accepted! I literally have 10 more payments. Less than 1 year! 

I am still waiting for my money to be refunded ... ... as NONE of the OVERPAYMENTS COUNTED. 

I am still making the monthly payments to XXXX... now you can't even see the documents on FEDLOAN. But they are all the same and run by the government, it should all be documented! XXXX only shows the most recent payments. 

I can't wait for this mess to be OVER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CCS Financial Services, 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:
My information was sold to a company that I know nothing about. I want them to destroy any information they have on me and get rid of that debt. I know nothing about it. I believe that is against the law. 

I also have some medical bills that were sold that I want destroyed and off any account that you have with my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS XXXX 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2020-07-27
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that Citibank had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the fdny. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because Citibank will just prolong the case. It would not be financially feasible for an attorney to handle it. 
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.

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 2023-07-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On the afternoon of XX/XX/2023, I tried to transfer money from my checking account with US Bank to another bank using US Bank 's online banking system. After entering the correct information and submitting the request for the transfer, the system displayed an error message and provided an XXXX number ( i.e., XXXX ) for me to call. 

After calling the XXXX number, a representative of the US Bank tried to help me. She asked me to share the screen with her and asked me to submit another transfer request as she looked on. After getting the same error message, the US Bank rep put me on hold to investigate the situation. 

As I was waiting, I realized that I was logged out of my online session and when I tried to log back in, I got the message that my online ID had been disabled. When the US Bank rep returned, I told her about the disabling of my online ID, and she said that the reason for that was that I had tried too many times to transfer money and as a result, my account was now locked. She further told me that I would not have access to my account for XXXX hours. 

I became upset with this situation as I wanted to transfer the money to the other bank that offered higher interest rate. Now I am not able to transfer money for a few days because after waiting XXXX hours for my account to become unlocked then there will be a weekend and I won't be able to transfer money until at least Monday XX/XX/2023 and earn additional interest during those days because US Bank employs rude and incompetent representatives who provide incorrect instructions to their customers and when customers accounts get locked they blame it on the customer and they become confrontational. 

I believe limiting my access to my funds and my ability to transfer MY MONEY out of this incompetent bank for at least a few days is causing hardship for me and my ability to earn additional interest on my money. 

I should have access to my money at any moment and US Bank has taken that ability away by not allowing my to access their online banking to transfer money.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: VA
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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