BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The information on my credit file states that the account was closed at the consumer 's request which is inaccurate. It also states that a settlement was accepted and the account was charged off. These are XXXX different things. This account keeps reporting to my credit file from XX/XX/18. This information is all incorrect and needs to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-20
Company: LEXISNEXIS
State: OH
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.

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 non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: LA
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:
This company has allowed a death notification to be placed on my credit file and Im not deceased, Ive asked if there is a death certificate and havent gotten any results. I need to have that corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for XXXX ( XXXX XXXX XXXX ) XX/XX/2023 because my XXXX sent me an outlandish bill of $ XXXX that was due even though I have been on XXXX XXXX XXXX decades and never said I wanted to leave the program. I received XXXX emails all summer saying my account was being XXXX and that I would receive an email once the transfer was completed. I never received the email but yet I was billed for over $ XXXX even though my payments have always been XXXX on XXXX XXXX I tried to log into my account at Edfinancial and still could not. I then went to XXXX and applied for XXXX and according to their records my XXXX received my XXXX XXXX  ago. I emailed my XXXX a XXXX XXXX ago and never received a response. I sent another email XXXX and probably wont get help with that either. I can't pay XXXX in XXXX and don't know why I am being billed for such an outlandish amount and they will not respond or XXXX my account. This XXXX payment is causing XXXX XXXX XXXX and they're not XXXX my account, processing my application for XXXX, nor emailing me and telling me what's going on. Please help me. I qualify for XXXX ( XXXX XXXX XXXX  ), have always qualified for XXXX, and sending me a bill for $ XXXX is almost intentionally meant to cause XXXX XXXX yet I can't get any help.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 install

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2018-08-30
Company: Continental Finance Company, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am filing a complaint against my credit card company continental finance on XX/XX/2018 at XXXX XXXX XXXX and spoke to ms XXXX I wanted apply for a credit line increase that I was told when I called XX/XX/2018 to pay my bill increases are every six months ms XXXX inform that it I should wait until the XX/XX/XXXX to apply for the increase I would have a better chance because the XX/XX/XXXX is my closing date I believe what she told me and I waited the next day I call after looking at my account and I seen was XXXX charges had hiot my account in 24 hours I immediatedly call and ask for a supervisor at the same time I called on the XX/XX/XXXX XXXX XXXX a mr XXXX inform me when he picked up the call that he was the vice president. I told mr XXXX what happened when I spoke to one of his rep ms XXXX on the XX/XX/XXXX after verifying my account mr XXXX then inform me what happened on my account he said the anniversary of opening the XXXX account fees had been applied to my account and that is why I am in the negative of XXXX and I am over my credit limit of XXXX dollars he said to me what the rep should done was to pull the agreement up and inform me of that when I spoke to her on the XX/XX/XXXX and he said because now that are over your credit limit if I apply for a credit line increase now I would be decline mr XXXX also inform me that he was going to have the call pulled to listen to phone call between ms XXXX and myself because of the advice ms XXXX gave ne to wait before applying for my increase now I can not. mr XXXX apologizes for the rep like I told mr XXXX that not solve the charges on my account the customer services rep should be accountable for the information that is giviven to the consumer I am filing a complaint also their are too high I am charged XXXX every month for use of their website i can not pay my bill on there website since i have opened the XXXX account the only thing i can do is look at my account i have call to pay my bill hey do however waived the XXXX fee that they charge for consumers to pay their bill which should be free why i am being charge this XXXX maitance fee every month and most credit cards i have i had let spread payments over a 12 month period this charge that has hit my account XXXX fees i have worked hard to maintain a good payment history on my account, for this to happen due to a customer rep working for this company giving advice to the customers i am a XXXX senior. PLEASE HELP

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 2023-11-07
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2023 at XXXX I received an email from PNC Bank stating that my checking account was in " low cash mode '', and that my account was negative {$170.00}. On XX/XX/2023 at XXXX I received another email from PNC Bank stating that I was approaching 24 hours of " Extra Time '', and that I needed to bring my account balance to at least a {$0.00} balance before XXXX on XX/XX/2023 in order to avoid being charged overdraft fee ( s ). 

As you will see in my attached ATM deposit receipt, I deposited {$180.00} in cash on XX/XX/2023 at XXXX, thus meeting their XXXX deadline of XX/XX/2023, which was more than 20 hours before their required cut-off time. However, after making the deposit before the required deadline, PNC returned two payments to two merchants, thus causing my payments to those merchants to be considered late, as well as receiving returned payment fees from both merchants. When I spoke to a representative from PNC Bank she informed me that PNC reserves the right to return " any '' quote : " payments that they deem to be questionable that could cause my account to become overdrawn ''. With that being said, it was clearly obvious that I had made a cash deposit to bring my account out of the negative well in advance of their stated cut-off time, therefore why would PNC have returned two of my pending payments, obviously knowing that I had made a deposit 20 hours before their stated cut-off time? What's the point of telling their customers that they have a specific amount of time to remedy a negative account balance if PNC is going to return an item 20 hours before the cut-off time that PNC itself offered and agreed to?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has failed to update my credit card account status in a timely matter, and this failure is hampering my ability to obtain special holiday resources from my credit union. Rather than admitting to their omission, Experian has blamed the issue on the creditor ; however, the other two bureaus, XXXX  and XXXX, have updated my information. 

This is the second instance in two months where it appears as if representatives at Experian have been disingenuous with me regarding how they update credit 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 explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NY
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. 

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 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 1681's-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 inforation is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of america promised me a 36 month 0 % via phone but sent me something else in the mail. spoke to rude supervisor XXXX out of New York XXXX and was told he was the highest I will ever speak to and I have called multiple times and I will not get anything. Very hostile employee. I was told in XX/XX/ that if I complained my credit card account will be closed

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 2023-06-15
Company: Experian Information Solutions 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:
This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2020-02-20
Company: WELLS FARGO & COMPANY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX Creditor Wells Fargo obtained a Judgment in the amount of XXXX plus interest. The Judgment was obtained Through their law firm at the time XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone XXXX. On XX/XX/XXXX through my 3rd party XXXX XXXX I faxed them at XXXX the fax was an offer to settle this account to obtain a lien release on the property as I have sold my house located at XXXX XXXX XXXX XXXX XXXX NY XXXX and must close by XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I made many attempts to settle. On XX/XX/XXXX I was told by XXXX XXXX that the debt was transferred to another Law firm and to Contact XXXX XXXX at the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone XXXX. On XX/XX/XXXX I faxed them for the same request for settlement and followed up with phone calls to XXXX XXXX whom has not answered me yet. I was also able to speak to the receptionist and attorney or paralegal there by the name of XXXX XXXX Ext XXXX. They both confirmed that they could not find that file. 
On XX/XX/XXXX I called back XXXX XXXX at the previous law firm XXXX XXXX XXXX and she confirmed to me again that this matter needed to be cleared up with XXXX XXXX at XXXX & XXXX XX/XX/XXXX I called back again XXXX XXXX Left a message and spoke to the receptionist again that the file was not there. Now I am fearful that I will not be able to close on my house and I will have a foreclosure on my record instead of a sale. I am being harmed by the aforementioned herein as they refuse to settle with me.

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 2023-10-31
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My employment checks was deposited in to credit karma/ MVP banking, I had notified them that some one keep changing my address and phone number, then they had frozen my account, I had to summit many documents proving who I am, it's been over two weeks, and they still refuse to give me my funds. I spoke to the private investigator, he told me that they have the ip address of the person who did it. And that he promise that they was going to release my money. As of today I still haven't had no luck with retrieving my funds. They are treating me as if I'm the bad guy. When I'm the victim... I've XXXX many emails and all they do is ignores my emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I'm trying to open an online account with Citizens Bank. It asks for personal information - Social Security number, birthday, etc. But when I enter my the information, it does NOT hide my typing with *** asterisks *** as it should. I don't have internet at home and use library computers where anyone walking by can see what I'm typing ; also, librarians can see my screen from their computers in the office. 

This is VERY insecure and puts the customer at risk of having his identity stolen. And it's probably illegal. Doesn't the law require banks to safeguard customers ' private information? 

When Citizens informs me that this problem has been fixed, I'll open an account online. 

If Citizens refuses to fix this problem, or tells me that I must waste my time going into a branch to open an account, I will file further complaints with the XXXX  and AG.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher XXXX XXXX XXXX XXXX, Al XXXX. ( XXXX ) XXXX unlawfully reported {$1300.00} to my personal credit report and the debt belongs to XXXX 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 2023-03-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a notice from TRANSWORLD SYSTEMS INC. located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, Phone XXXX. The notice ( acct : XXXX ) stated that I owe {$1600.00} to original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is for services provided on XX/XX/XXXX, by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, Virginia. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX submitted a claim for {$1600.00} to my insurance provider XXXX XXXX XXXX ( All Savers ), but the claim was denied because they failed to submit the claim within the timeframe specified in their contract. 

I received an explanation of benefits from XXXX XXXX XXXX ( All Savers ) XXXX informing me that the claim was denied due to timely filing issue and that I was not responsible for paying these services and that XXXX XXXX was not to bill me because the fault lies on them. 

I contacted the following parties on XX/XX/XXXX : Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( acct # XXXX ) and they informed me to disregard the notice from the debt collector. They have never delt with TRANSWORLD SYSTEMS INC. and they are aware that I am not liable for the bill. I have had numerous phone conversations between them and XXXX XXXX XXXX ( All Savers ) to get this resolved. I had assumed the matter was closed because it has been over a year and then I received this notice from TRANSWORLD SYSTEMS INC. on XX/XX/XXXX TRANSWORLD SYSTEM INC. : I spoke with a representative and they informed me the notice was on hold because they were waiting on a response from XXXX XXXX XXXX. XXXX XXXX informed me that they do not deal with this debt collector and that my account was XXXX for the service date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I co-signed on a Honda for someone back in XXXX of 2013 the car was stolen I was aware that it had been stolen but it had full coverage with XXXX and the dealer also would not let the car leave the dealer withought gap ins I reciently became aware of this because I tryed to buy a car and I have a debt through American Honda financial services I called and they told me that XXXX only payed XXXX towards the car an I was responsible for the remaining balance so I called gap and they said that they reversed the gap insurance because Honda never sent them the police report nor paperwork they needed o feel that one they should have called me if Im the co signed and 2 the car had the proper insurance and the proper gap yet they reported it to my credit report as a repo I dont understamd what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a secured card three years ago was told if i kept my account and card in good standings for a period of one year that it would be revieved and would go to a regular card where i would get my deposit back and have a unsecured card I pay most of the time more than the limit and always pay early, also making sure that i never go over my limits. They do have a hire interest rate on a secured card and charge me XXXX dollars annual fee, i beleive that is why they hold people captive in this sceem and should be fully investigated, it is now going on three years and always same buul story when you call them, they say you where late, over limit. I have checked my credit report today and no over limits or lates and score XXXX for credit.

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