BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: GA
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 settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had a simple savings account with Capital one bank for 2 years. I have had {$170.00} deposited in the account. I get the account summary every quarter from the back. I got a letter 2nd Week of XXXX  ' 18 that my account was closed. I was surprised to know that, and I called the bank 's customer service. Customer Service representative said that my account in " abandoned '' and the money was sent to unclaimed funds to the state. XXXX XXXX  did not try to contact me via phone, email or letter about the activity in my account. All I received was one letter saying that my account was closed and funds were submitted to a " State ''. The Customer Service was not able to provide anymore information on how would I go about retrieving my funds back from a " State ''. There was no letter explaining what would be my next steps or what would be the burden of proof to retrieve funds, and how long would it take. This is NOT how a bank is supposed to function. Are our regulations as such that a citizen can not keep funds in a bank for extended period of time without any activity? And isn't the Bank supposed to contact the customer before taking any actions on their accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Southwest Recovery Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted certified and notarized documents to each company via USPS mail. These companies are replying back that that have not received proof but some one from each company has signed off of the documents that were delivered. I have also filed previous complaints against these companies. I have uploaded documents to this website the same documents that were sent to each company as proof of the accounts not belonging to me. These companies have not sent out any verification in any form as proof that these accounts are mines. I am proceeding these matters further in civil court if not removed in 14 days.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to 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 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently reported a plethora of unauthorized charges to bank of america via the usage of my debit card that begin XXXX reported XX/XX/23 once I noticed the low balance as the charges totaled {$2400.00} via XXXX XXXX. I also reported it via XXXX XXXX as well. I requested bank of america block any future transactions and they cancelled the debit card attached, I had not heard anything else from them, nor did they request any additional information, however I then find out on XX/XX/XXXX  the morning of that they denied my claim, for an unmerited reason, now I have to still pay my rent because that was my rental payment and am now facing eviction. I am a compliance manager and I even reached out to XXXX XXXX to also file a dispute - BOA indicated based off prior statements or activity- and conducted no investigation as any prior authorized transactions weren't disputed or refuted, However I DID NOT authorized the charges in which I remitted a complaint about, only to be told they could not confirm an error. I feel it is completely unethical and unfair and I know they've had tons of complaints and lawsuits of unethical practices, but I refuse to allow this to occur to me and intend on fighting this tooth and nail as I know this is unfair. Their response was they are unable to approve my claim Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract smh

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 2022-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal they also violated my rights under 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 an account without my written instructions. 

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX Account # 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 an account without my written instructions

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 2022-12-22
Company: PNC Bank N.A.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been in a non stop struggle with XXXX XXXX XXXX ( XXXX ) who services my private student loan I took out during my XXXX education in XXXX when I was XXXX years old. The loan is through PNC. XXXX has made it impossible for me to defer payments. In XX/XX/XXXX, I had my first child and was without work or pay due to XXXX XXXX XXXX XXXX I had to fight to be able to postpone payments and since then, they have not allowed me any more deferment or forbearance time. On XX/XX/XXXX, I reached out to potentially lower my payment and they suggested I apply for a loan modification. I received the form on XX/XX/XXXX and submitted it back to them via their online portal on XX/XX/XXXX. My elderly mother has power of attorney for my grandmother who co-signed my student loans nearly 20 years ago. My co-signer grandmother now lives in assisted living with XXXX and is unable to fill out the loan modification paperwork independently, and her assisted living home is XXXX hours away from my home. XXXX has found every reason to reject my loan modification- they needed the form to have N/As instead of blanks or zeros, despite working with them to fill out the forms repeatedly. They told me my paycheck was too small and unreadable, despite sending them the only check form Im able to receive from my employer. I submitted forms back and forth to them more than 7 times since XX/XX/XXXX through XX/XX/XXXX, and finally on XX/XX/XXXX, I get an email that my application was expired and I will need to start all over again. I am absolutely drowning in student loan payments. Between XXXX and another private loan with XXXX XXXX XXXX, I am currently paying more than {$600.00} a month just in private student loans. This has made trying to buy a house impossible. I was late on XXXX payments waiting for them to finalize this loan modification but they are so desperate to squeeze every last dime out of hard working small families, they refuse to make any adjustments or accommodations, and even during the holiday season? Its pathetic. I worked on this during XXXX, my daughters first birthday, now through XXXX and potentially looking at having to fight with them through thei New Year.. and Ive already paid off the money I originally borrowed XXXX over - and I still have XXXX more years of payments. I am disgusted, discouraged and absolutely broken down by this process. I wish I could go back and tell my teenage self to avoid this servicer and this loan at all costs. This has cost me so much time, money, and peace, and Ill never get any of that back. All for what? To have a job I could have gotten without my XXXX and XXXX XXXX. I was conned into this and I have no way of getting out. I cant even die to get out of this, its terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: PA
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 XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took out a personal loan from Wells Fargo, first payments stated XXXX. XXXX is the amount. They wanted me to set this up on auto payments. I would go in every month and put another payment down on top of this minimum auto payment. Problems so far... It started to seem that my min payment was not being made. Every time I went in I made sure it was all set up for auto payment and that they were being made. The tellers EVERYTIME would tell me yes, they are all set up and working. Finally a teller suggested I make the second payment on top of the min payment " principal only '' payments, that would help me pay off loan faster. Started to do that. WF then said on XXXX XXXX ( when I started to do it this way ) they said after careful review, we can confirm the principal only payment option was removed from all channels??? THEN... a few months later, another teller was trying to help me, she pointed out that you can ONLY make overpayments the ONLY DAY THE AUTO PAYMENT GOES THROUGH! So In good faith, I started to put XXXX on top of the minimum payment of XXXX. In all I was giving WF XXXX a month... HERE IS THE A BIG PROBLEM... since I was putting down more than minimum, they were DIFFERING the auto payment to the next month. So not acknowledging the min payment. Then taking interest out of the extra payment amount!! OVERALL... by not acknowledging the min payment that added up to be and was XXXX NOT PUT TOWARDS MY LOAN per year!! By rights I should have this loan almost paid off by now!! I just noticed they get XXXX PER YEAR INTEREST FROM ME. Now I know that banks are in business to make money. But this??? I am in good faith trying to pay off my loan as fast as I can. That only seems logical?? So far, I have a case number with WFXXXX. Now I am sure with all their lawyers and being a huge company, they are all in the legal here... BUT the way they are going around and setting up all these road blocks trying to slow me down in paying off the loan is pretty despicable????? Hopefully by issuing a complaint others will see and be alerted to these shenanigans being pulled by WF. Thank you for taking time out on this matter.

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 2023-05-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
shared information with 3rd party without my consent. reporting inaccurate information to the credit bureaus. damaging my consumer report with negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: SIERRA PACIFIC MORTGAGE
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 information incorrect

Complaint:
On XX/XX/XXXX i called up Sierra Pacific Mortgage complaining that they reported me 30 day late on XX/XX/XXXX to all 3 credit reporting agencies, i claimed that i did send out my payments on time and i have proof for that, they responded to me that they also seeing that i send payments, but i should send them my proof trough email to their research department and they will respond to me within 48 hours. 
on XX/XX/XXXX i called them up for an update since they didn't respond to me on time, they response was " we are working on it '' on XX/XX/XXXX i called them again, they response was " we are working on it '' On XX/XX/XXXX i also send them an email again with my bank statements showing my payments. and still they didn't respond to me and they didn't remove the late from my credit report. 

its now more then 30 days and they didn't remove my incorrect late from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Lexis Nexis Account # 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 explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas has NO interaction with credit bureaus ( EXPERIAN, XXXX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( EXPERIAN, XXXX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by EXPERIAN, XXXX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. EXPERIAN, XXXX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, EXPERIAN and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' And I am opting out of their reporting services.

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 2023-04-12
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:
XXXX and Experian credit companys have accounts not set up by me they was open under my info after loosing wallet with ssc in it as well only account I have open for myself is any open credit card accounts first premier being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm XXXX these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XX/XX/90

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALLL DOCUMENTATION FROM MCCALLA RAYMER AND OR MCCALL RAYMER LIEBERT AND PIERCE FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. 

IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. 

SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Checkr, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
CHECKr, is the company that has been providin g OLD information about my driving record to the   XXXX   XXXX   that I currently   XXXX   for, or have applied to. They are reporting information that is over 10 years old!

Company response to consumer: Closed with explanation