BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Bank of America foe receiving royalties via EFTs depositing to my account from XXXX XXXX XXXX XXXX, XXXX and XXXX. Its all one long named elusive situation that needs to allow the author the ability to see transaction, Instead the author has to check a royalty page that is not good ledger record keeping of transactions, even the failed. There is no record of EFTs that have deposited and been returned, there is no record of XXXX payments deposited or returned. There is no record of XXXXXXXX XXXX XXXXXXXX deposits or returns of ETF or any other parties that may have associated royalty transaction records. And get this the author is paying for all these transactions with no itemized record of EFT transactions from his royalties or from the bank, unless possibly requested. Seriously CFPB needs to get publishers and bank to give the lowly author an account of transactions being priced with fees that no one can produce on an itemized regular basis. The author could be charged and no one never brought it to their attention. As a matter of fact the author could be charged by the Publisher and the bank. Transaction as well as payments should be accounted for to track fees and payments for both big entities siphoning money from authors. there may even be tax implications hidden in unrecognized fees and hidden to writers, some not well versed, such as self publishing ones. Transaction accountability of at least how many should be reveled in the record of publishers royalty statement as well as payments, if not what was returned monies/royalties without the author ever knowing. Banks could make agreed millions from royalty transaction fees paid by authors that never received a dime. 

So I would like an account of all transactions and fees from and to XXXX XXXX XXXX XXXX - XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX - And XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and others including Distributors. Also, I would ask the publisher/distributer please give an indication of who they are as specifically as possible involving EFTs because often the parties use general terms and code that the author/writer/consumer reading their statement can not identify the royalty related companies name for transaction. This is a wild out of control set of records concerning money and transactions should be the main record as well as payments received, returned, voided and failed EFTs. Someone could be robing writers for years. I need the EFT records of transactions and fees of these XXXX to XXXX if possible. I want these factors noticed because there are too many possibilities consumers could be getting ripped off by publishers and distributers for 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 explanation
Consumer complaint received 2015-11-27
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial is reporting our car loan as 30 days delinquent for XXXX 2015 ; this is an error as we bought a new vehicle during this period of time and refinanced this loan as part of the new vehicle loan ; the approval for the new loan extended beyond the due date for the old loan, but, of course we did not pay because the new financing was still in the approval process ; we were informed by an agent at Ally Financial that this would NOT affect our credit ; however, we now find that Ally Financial is reporting to both my husband and my credit report that we were 30 days late on the old loan for XXXX 2015, in spite of what they previously told us! 
We have disputed this erroneous reporting both with the credit reporting agencies and directly with Ally Financial and Ally Financial arrogantly refuses to change it ; this erroneous reporting is hurting our credit but Ally Financial obviously does not care! We have been approved for the new car loan and have faithfully made our payments ; further, we have been faithful customers of Ally Financial for some time and have consistently made our payments on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS

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 2023-03-02
Company: Experian Information Solutions Inc.
State: NJ
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:
THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: 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 2022-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Since XX/XX/2022 I have been unable to get my credit report through XXXX after making a complaint of outdated information being used to deny me the use of my credit! I have tried to call repeatedly and I am unable to make contact with a live person at any time for ANY reason. I have sent letters and they have gone unanswered. All of my credit information has been wiped from my online account. I have tried accessing the report from XXXX XXXX XXXX and I am barred from getting that way 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 2022-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Signed moving agreement and sent the {$1000.00} deposit requested via ACH. 1 hour later, called to cancel, as was suspicious that the company was fraudulent, was told " there was nothing they could do. That we will keep the deposit, and you can use it for a future move. '' A check was made up with my account information, and the number given for my move was used as a check number so that my bank could not stop payment. Bank also refuses to refund and stop future withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX : Graduated XXXX XXXX XXXX XXXX. 

XXXX XXXX : Consolidated my loans. Total financed : {$120000.00}. Terms : Level payments, 30 years, 3.5 %. First servicer was XXXX XXXX. I started making monthly payments for the amount due. Made at least the required payment. No missed payments. 

XXXX : Loans were transferred to ACS. I continued to make monthly payments, and monthly excess payments. No missed payments. I noted that my ACS principal balance did not appear to be declining according to my own schedule ( even assuming no excess payments were applied to the principal ). Over the years, I requested the amortization schedule and other information from ACS many times, but they did not comply. 

XX/XX/XXXX : Loans were transferred from ACS to XXXX. As of XX/XX/XXXX, ACS showed my principal balance to be $ XXXX.This value in itself was not correct. This can be proven by plugging the initial loan terms into an amortization calculator. Assuming no extra payments ( ever ), my balance should have been about {$81000.00}. In addition, according to a policy I was aware of, my extra payments were not being applied to the principal. They were used to advance my due date. As of XX/XX/XXXX, my due date had been advanced by my extra payments to XX/XX/XXXX. That's 17 months of monthly payments. Because ACS had calculated my monthly payment as {$640.00}, this totals {$10000.00} that was not applied to my account before it was transferred to XXXX. 

By my calculation, based on records that I have, the amount that should have been transferred from ACS to XXXX should have been around {$70000.00}. Not {$94000.00}. 

It is well known and broadly reported that ACS mishandled student loan accounts including mis-calculating and mis-applying payments, and that when they were forced to transfer their accounts to other servicers errors like the ones I am reporting did occur. 

To fix this, I would like my opening balance with XXXX to be corrected. 

I have tried to get XXXX to address this, but they say to contact ACS. I can't contact ACS because they are out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I went to my US Bank branch in XXXX WA to send an international wire transfer to XXXX XXXX. XXXX. For {$15000.00} ( XXXX XXXX dollars ) Wire XXXX The receipt said that the funds will be available XX/XX/XXXX but the money was never received till now XX/XX/XXXX. and is not in my account neither. 
I been in the branch several times and they just said that it has been reported. 
Now they don't want to talk to me anymore. 
Thank you for your attention. 
Desperate customer

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 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. 
However, their lack of response or assistance has further compounded this issue. 
The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. 
I want to make it abundantly clear that I will not tolerate any further delay or negligence in addressing this matter. Failure to take immediate action to rectify this situation will leave me with no alternative but to pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) to protect my rights and seek damages for the harm inflicted on my financial well-being.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: AZ
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 have disputed inquiries that were not made by me to XXXX and those were, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I have disputed inquiries that were not made by me to Experian and that one was, XXXX XXXX XXXX XXXX  and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXXXXXX XXXX XXXX XXXXXXXX accounts with XXXX and one account with Experian and XXXX XXXX XXXXXXXX XXXX XXXX  account with XXXX XXXX XXXX account with experian

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 2018-11-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
What is the complaint? The mortgage company XXXX is doing another BPO ( 5th time ) and continueing to delay short sale and not accept a property apprasier estimate that we gave to them and only accepting their BPO by real estate agent who are not certified appraiser. this is our second complaint, Please help and render justice to our situation as I am older and ill with hardship. 
I have a property up for short sale and closing listed with a realtor since XX/XX/XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. What problems are you having? Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. What happened? The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.

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 2023-07-01
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 belongs to someone else

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-16
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : I am a Federal Student Loan borrower with FedLoan Servicing and a participant in the XXXX XXXX XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After receiving notification regarding the extension of the XXXX XXXX XXXX, I completed an original consolidation online for all of my XXXX and Direct Consolidation Loans, in accordance with the waiver instructions in XXXX. I immediately became concerned because an automated letter from FedLoans indicated all my loan counts would restart at a zero payment count. So on XX/XX/XXXX, I spoke to XXXX at FedLoan servicing who told me NOT to consolidate all the loans, and she actually removed the Direct Loans from my consolidation. ( Please see attachments- 1 is my original, and 2 is the incorrect one that was processed. ) Because everything else was filed correctly, my account was reviewed, and I was forgiven only the XXXX loans which had the qualifying XXXX payments. This payment count should have forgiven all my loans based on the new XXXX waiver ; however, because of the FedLoan representatives change, they were not. 

I have a timeline of events, the names of XXXX FedLoan representatives who provided the same misinformation when I attempted to fix the first representatives error, and screenshots of an online chat that also gave the same misinformation. Each conversation confirmed that all XXXX loans should not have been consolidated, which apparently is completely inaccurate. 

I properly followed procedures but was horribly misled. I am now stuck with {$63000.00} that should have been forgiven on XX/XX/XXXX according to the XXXX waiver extension. How do I proceed in having the consolidation corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: MD
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:
After I used the credit card only 1 time to purchase a car battery I paid the totlal balance and interest months ago and didn't use the card anymore. After months I recieved an email on XX/XX/XXXX that I need to pay {$33.00} interest and I am past due for 2 months. I didn't receive any emails about payments fot months. How can I be past-due for 2 months while the statement shows due date is XX/XX/XXXX. This company reported me that I had 2 months past due to all credit bureaus which is incorrect! This company has a lot of bad reviews and complaints from a lot of customers. They need to correct my report which they submitted to credit bureaus as well as the interest rate they calculated without any open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, XXXX XXXX ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX but they never installed it. Attached is the letter sent to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: SYNCHRONY FINANCIAL
State: PA
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 have been a customer of PayPal for over two decades.

I had alwasy used my own credit cards. 

I was recently offered a PayPal credit card which turned out to be offered from Synchrony Bank. The offer claimed there would NOT be a HARD ENQUIRY. 

Because of this, I accepted the offer and received a Card.

However, I found out later that my credit file showed this as a HARD ENQUIRY, thereby adversely affecting my credit score.

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