BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: LFG Data Services Holdings, LP
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
My dispute is to Lexis Nexis for inaccurate information on the bankruptcy file. I ask that some one alive review my dispute and not just a automated system. I am not disputing if the bankruptcy belongs to me or not. In the bankruptcy file, there is a name not belonging to me or my wife XXXX XXXX XXXX under the fair credit act law Lexis Nexis must delete the files and not furnish inaccurate information because its illegal for you to do so. I asked that someone alive review my request because by law I have the right. and I ask that the bankruptcy files be deleted even though it belongs to me but because legally it has inaccurate information a name not belonging to me or my wife!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I ordered XXXX debit cards for my kids to learn how to manage money. It worked up until today. I received a notice that XXXX is having difficulty transferring money from PNC Bank because they made a change that rendered the link useless. As of right now, I can't transfer money to my kids accounts and am frustrated that PNC would dictate where I can transfer my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, CA XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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  XX/XX/XXXX XXXX/XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ordered an item from a catalog from XXXX. I received the item and the invoice. I mailed my check on XX/XX/21 ( it was due XX/XX/21 ) to the address provided to me. It was not cashed until XX/XX/21. When I went to my bank ( XXXX  ) I was told that the way the company deposited the check, my bank is not able to get a copy. 
I was billed a late fee, I tried calling the phone # provided and it would just disconnect. I then started receiving letters from Comenity bank to pay additional late fees. I have written 2 correspondence trying to resolve the issue. That I had paid for the product as soon as I received it. I'm an older man and have an excellent credit report. I do not pay my bills late. 
This company is gouging me with late fees. I sent my payment in time, and now they have added 5 months of late fees plus extra charges, even though I have tried to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan servicer is Mohela. I made payments through the covid forebearance and requested a refund of those payments on XX/XX/23. I have received no communication from them. I sent them a message after initial request to make sure they were going to refund all payments- as I had paid some loans of and the loans were no longer listed with Mohela . I still have not received refund or heard anything from them in XXXX months. I submitted message complaint with Mohela 1-2 weeks ago and still have not heard back about status of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Recently, my loan has been transferred from XXXX XXXX XXXX Loan No : XXXX ) to Mr.Cooper ( LoanNo : XXXX ). I paid last month dues with additional principal to previous lender XXXX XXXX on XX/XX/ ( Unpaid Principal amount {$430000.00} on XXXX statement ) and i got the notice from MrCooper on XXXX XXXX XXXX When i checked with XXXX, they said that additional principal amount has been already transfered to MrCooper but its still not showing up unpaid principal amount as {$440000.00} in MrCooper loan administration portal. I reached MrCooper customer service more than 3 times from last month and not getting any solutions for this issue. I need to fix this problem so that i can pay off this month due before deadline XX/XX/XXXX. Please see the attached statement from both XXXX and MrCooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, a dispute was initiated with XXXX Credit reporting agency and Transunion CRA regarding a collection that appeared on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I explained to the representative that I have been a victim of identity theft. This company excessively reports to the agency over 4 times within the past 15 days. The information reported has not been accuarately verified by XXXX. On XX/XX/XXXX, I spoke with Representative XXXX from XXXX, she is unable to provide the details of who from XXXX XXXX XXXX XXXX verified the account represented. I was not provided with the full name or spelling, address on the account. She states " we '' XXXX send the information that is on the credit report electronically, and the company responds back regarding accuracy, electronically. I asked to speak with a manager, XXXX said " that is not going to happen. ". I believe the account is being reported inaccurately and unverifiable.

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 2022-03-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chexsystems and XXXX ( XXXX ) are in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I the consumer have never given explicit written consent for XXXX ( XXXX ) to " communicate '' or chexsystems to furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. 

I demand Chexsystems and XXXX ( XXXX ) cease and desist pursuant to federal law 15 usc 1692c ( c ). XXXX ( XXXX ) and Chexsystems are in violation if the account is continuing to report and XXXX ( XXXX ) and Chexsystems do not have permissible purpose to report this account pursuant to XXXX XXXX XXXX. 


Immediately remove the XXXXXXXX XXXX with account # XXXX with a balance of {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 2023-08-18
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: Information belongs to someone else

Complaint:
In XXXX I sent a letter to Experian, explaining the laws that are being broken and the errors that are made in my consumer report. I didn't receive any notification of an investigation occurring, nor did I receive any updates to my reports. This continues to affect me daily and portrays me as a person that does not honor commitments through these erroneous errors on my report. This defames my character and affects my access to good jobs and better housing. Please assist so I can have an accurate 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 2023-02-16
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CCS ; I noticed you have 3 accounts reporting fraudulent under my name and ssn number. They are NOT my account and i don't have any prior knowledge or relationship with your companies or any of the companies listed. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: PA
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:
I requested all 3 reports in XX/XX/2018. I received XXXX and XXXX reports, but not Equifax. I went to the Equifax website and chatted with someone. They said I should call the service department. I called the service dept. They started by asking reasonable identifying facts ( about 4 ) Then they started asking about my credit cards in force etc. It was clear that they were digging for financial information and not dealing with my request ; so I hung up. 

I only want the 2018 year end report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
To whom it XXXX concern, Bank of America opened a savings account and a credit card in my name without my consent. As a result, there are bank account and credit card fees being charged in my name, which if not paid, will affect my excellent credit status. 

This issue arose when my grandmother 's former employer, who banks with XXXX, initiated a transfer from their bank account to my bank account also at XXXX bank. I provided my grandmothers former employer a copy of a cancelled check from my XXXX Bank checking account. Soon after, I began receiving bank account and credit card statements from Bank of America. I have called Bank of America twice to request that the accounts are closed. They are requiring that I file an ID Fraud report, which I disagree with. I do not believe that this matter arose as a result of ID Fraud because Bank of America is the perpetrator, not my grandmother 's former employer. I believe that this matter arose as a result of Bank of Americas questionable business practices.

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 2023-05-26
Company: Block, Inc.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I lost my cash app debit card XX/XX/XXXX. So, I placed an order for a new debit card the XXXX of XXXX, it cost {$54.00} because it was suppose to be made out of metal. Anyways, I never have received the new debit card and I can't get them to issue a new one or refund my money. I have screenshots from the conversations that I have had with cash app about this problem. They have now disabled my account and are telling me I can not get a card now. I have asked why but no reply. I will be more than happy to send you the screenshots, thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX upon receiving my bill in the mail I noticed the {$2500.00} payment had been applied to purchases instead of an expiring 0 % offer that was expiring and about to jump to over 25 %. I called and was assured the change would be made to apply the {$2500.00} payment to the remaining balance that was going to jump from 0 % to over 25 %. The rep explained they would refund me the $ $ and that I would turn around and pay it back so as to apply the payment to the balance amount I meant it to be applied to and not the purchases. Because apparently when I made the payment the payment was applied to the highest interest rate and not the 0 % interest balance that was to expire. But Bank of America just reneged on the phone conversation because I just receive a letter that they are unable to return the {$2300.00} because the original payment your are requesting was made more than one monthly billing statement ago. This is unacceptable. We had an agreement and now I have to carry a balance of over {$2000.00} with an interest over 25 % because I did the responsible thing and paid off the balance offer before the 0 % expired?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-03-10
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I contacted Exeter Finance to receive a lien release statement bc my title is no longer in my possession and a document is needed from the DMV. The DMV will not create a duplicate unless a lien release document is provided. EF stated that would submit the request for the document and I would receive in 24-48 hours. Here we are on XXXX I have not received any documents. I call them again to receive an update and now they are saying they do not have to provide this to me. My account is paid off and Exeter Finance refuses to provide this document to me.

Company response to consumer: Closed with explanation