BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
If you look at my last case # XXXX, you will get details of this ( same, ongoing case ). After I filed that claim with you, Google finally accepted my ID proof, and I was able to start making payments, including trying to pay them back for the hacking money that I do not actually owe them. I decided to pay because just wanted to get past this. 

Then this morning -- on XXXX XXXX, I got another alert that said My ID has been rejected AGAIN ... .they are asking for the same OLD banking info ( that's how I know it is related to the original hacking issue -- that bank account is closed after the hacking of my account, otherwise they would use one of my current accounts on file for verification ) ... .and yet I uploaded it again this morning, hoping it was just a mini issue ( maybe ) -- but NO -- they immediately rejected AGAIN!! This is ridiculous. 

Of course, today, on XXXX XXXX, I tried to contact google about it, and the XXXX started all over again. No one can help, they say let me transfer you, the next person says I can not help, they next says can you start over from the very beginning again. 

This has been going on since XX/XX/XXXX! That is 3 months! It is unfair to me as the consumer, to have to contact Google 50+ times ( I have all of the proof of each contact ), and have to go around in circles, as if I do not matter, especially when I am doing all I possibly can to comply. And all of this is because my account was hacked. I am the consumer and there are supposed to be protections for me. I am shocked at how unorganized Google support is, they make me start over every time I reach out. They say I will be " escalate '', but all I get is a copy and paste reply that they can not help and " please try these ( same ) steps over again ''. What is a little person like me supposed to do against the HUGE google?

What am I supposed to do? I feel I have no support. I pay for an extra help plan with Google ( Google 1 ) and it has been no benefit in this case at all.

HELP PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX I cosigned a loan for a vehicle. In XXXX the owner of the vehicle filed a chapter XXXX bankruptcy and the car was repossessed. The creditor currently still has the loan showing past due on my credit and tells me I am not allowed to make payments or even pay the debt in full due to the bankruptcy. I was told by the creditor, capital one auto finance, that I need to just wait for the debt to fall off my credit report. It is currently preventing me from getting a mortgage. They will not give me anything in writing to give to the underwriters that they will not allow me to pay off this debt and they will not remove it from my credit. I spoke with capital one yesterday and about six months ago regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a home XXXX XXXX, 2016, and was entitled to an escrow refund of {$5700.00}. I have called the mortgage company twice now ( PNC Mortgage ) and have been told twice that the check is " in the mail '' but there is no way to track mailing - when the check was actually mailed ( " should have been XXXX XXXX '' ) - or where it might be because they do not have a way to track delivery. This is ridiculous. Surely there are faster and more sophisticated ways to process refunds, but I suspect PNC Mortgage will not do this because they have the benefit of holding on to my money for as long as possible and are not held accountable. It is completely unacceptable to tell me they do n't know for certain if the check has been mailed or where it is right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: LA
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:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2022-12-24
Company: ALLY FINANCIAL INC.
State: IL
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:
I reviewed a copy of my credit report and Ally Financial ran an unauthorized credit inquiry on me on XX/XX/2022 and XX/XX/2022. 

This is a notice to cease your unauthorized hard inquiries on my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history. 


I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2022-06-03
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, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On 2009, my XXXX year old daughter and I inquire at XXXX College ( formerly XXXX XXXX College ) about their XXXX XXXX   XXXX ( XXXX ) course. The person on Admission explained to us that there are Government grants that they can help my daughter to get into the Program. Next thing I knew, they made me sign some papers without disclosing to me anything, but as a parent of the student because If they disclose that I will become a co-signer or will owe some, we will not proceed. Couple of years later, I started receiving Invoice from a company called ECMC that I owe them from XXXX College. Because of my Ignorance at that time, i made few payments of $ 300-350, then when I miss some payments, ECMC wrote me a letter saying, just make a payment of {$100.00} per month for twelve months, the loan will be finished. So, I did gave my bank information and they were taking automatic payments for one year.  Later on, I received Invoice or bill from company XXXX and said, it was sold to them. I started to keep wondering, how did this ever happened well in fact i never signed anything from the school. I heard about loan forgiveness from a lot of companies soliciting on my phone until I encountered and speak with a representative from " XXXX XXXX '' Company and they promised that they will help me convert this loan to " loan forgiveness from President Obama. So, I pay them {$500.00} processing fee and have been arranged to pay {$35.00} per month but I must pre-qualified or apply every year. Now, they were saying I got denied and must start paying {$280.00} per month. I said to myself, that's it, this is not my loan, I was not disclosed and provided documents that explains I owe this loan which is now {$35000.00} plus. I called and ask help from our Congress maker Mr. XXXX XXXX that handles Federal Level / Department of Education Issues or Complaints and Mr. XXXX XXXX and XXXX told me to follow the process. Please help me get this unauthorized loan that was just passed on to me because I was just a parent who not knowingly aware what I was signing at that time. Over this years that I was so stressed, worried and overwhelmed with this problem, I became sicker as a XXXX XXXX year old mom. My XXXX XXXX XXXX was getting worse and thinking I will just die with this problem.

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 2023-09-26
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:
I have informed the credit bureaus and XXXX XXXX  that I've been an identity theft victim because my personal information was compromised. I initially contacted XXXX XXXX  and told them that this account was not mine, and I got the credit bureaus to remove the fraudulent charges placed on my credit report. However, the bank and the credit bureaus have ignored my request and continue to report derogatory and fraudulent remarks on my credit report. Therefore, I am filing this report to request that this fraudulent account be removed from my credit report and my records because I did not know this account existed. Someone opened this account without my permission, and once I discovered the existence of this account, I requested that it be closed. I asked them if they would remove the derogatory account from the credit report. They said they would remove it, but the bank and credit bureaus never did.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: GA
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 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 XXXXXXXX, 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. 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 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 2021-06-09
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: Reporting company used your report improperly

Complaint:
I have filed several disputes on regards of the unverifiable accounts reporting on my consumer credit report causing me a great deal of issues when going to a financial institute to extend myself credit. please help me verify these accounts, and if can't comply with the requirement of my attachments I will be seeking remedy on every consumer violation.

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 2023-04-26
Company: BANKMOBILE TECHNOLOGIES, INC
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I filed a dispute claim with my bank, T-Mobile MONEY ( " Accounts provided by Customer Bank '' | " Powered by XXXX '' XXXX XXXX, XXXX ) . It has now been ~240 days since the dispute has been filed and yet the bank has yet to provide a resolution. 

I tried calling them to attain a resolution, yet this has not been possible. My debit card is a MasterCard. [ If they filed it correctly ] it's Reason Code : XXXX ( Goods or Services Not Provided ) .XXXX XXXX representatives, " XXXX '' and " XXXX '', of the disputes department have openly admitted, on my most recent, recorded, call ( today, XX/XX/XXXX ) that they have broken MasterCard 's policy by not providing resolution within 180 days. Also, they mentioned that the XXXX, XXXX, has not responded to them at all. Furthermore, if I am understanding the law correctly, the " Fair Credit Billing Act of 1974 '' stipulates that they have 90 days to provide a resolution, which has NOT happened. 

The status of my dispute claim has not changed since the day I opened it. Every few weeks I get the same copy+pasted email that states, " ... We wanted to provide you with an update and assure you that we are actively processing your claim. We are waiting on information from the merchant. Once we have an update, we will contact you. '' The reason for this dispute is that I made a purchase with a merchant and did not receive what I purchased. ( MasterCard Reason Code : XXXX ( Goods or Services Not Provided ) ) - Claim Filing Date : XX/XX/XXXX - Claim Number : # XXXX - Amount : {$410.00} - Date of Transaction : XX/XX/XXXX Please help me with getting my money back! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been of zero help ; based upon the information I have, including the info provided by the bank it is my belief that they have negligently failed to handle this claim per both the law & MasterCard 's policies. Most importantly, I need my money back, but also would like to pursue whatever damages possible, based upon the negligence of this institution. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I have disputed two accounts off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These two accounts do not belong to 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 2022-09-12
Company: American First Finance, Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I contacted these companies letters on XX/XX/22 which were sent with US certified postage letters about inaccurate information on my credit report and they have not responded to my letters. The FCRA says they are supposed to respond to my request within the 30 days and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect Balance, Upon Reviewed my Statement, the disputed of a Purchased in the amount {$1200.00} on XX/XX/2018 from XXXX XXXX XXXX have not yet credit to my account, as i have reached out to the merchant regarding about this matter, and have receives confirmation letter from the merchant regarding about the refunded amount. Attachment are proof settlement.

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 2023-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
improper reporting. Collections need to be removed they are reported multiple times. Not updating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX 2022 Being a recent widow, at age XXXX, I responded to a XXXX notice of payment. XXXX XXXX, at XXXX, told me I was being hacked, and to call my bank, Bank of America. I called the number on the back f my debit card and asked for the fraud department. The XXXX XXXX at Bank of America indicated that someone at my branch had sold my identity. I was not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us including where my grandchildren went to school. I did not know that the hackers had spoofed the bank phone number. 

My computers and phone were hacked. Without my authorization, these people emptied {$250000.00} from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX  for {$100000.00}. The hackers created a new links using all my identifying information. Most deposits and withdrawals were done by a linked Bank of America account. I was never notified that there was any large activity in my account. The hackers created an account in my name at Bank of America where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created, and Bank of America is culpable in the amount in those Family Trust Accounts of {$450000.00} For XXXX months, I was terrorized, metaphorically held hostage with veiled threats of being followed, putting my children and grandchildren at risk. Since this shell game was done by entering my computers and phone, it looked like I had moved the money when in fact they ROBBED me of {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX dollars ). 

I have been financially XXXX. I do not leave the house, I don't answer the phone, I have lost trust in the system and the hackers are winning when the bank personnel really don't investigate and don't protect their clients. Bank of America agents indicated, after the fact, that they suspected I was being scammed but never blocked my accounts and never knew another account had been created online without my knowledge. 

I even told the manager of the branch what was happening and he said that my behaviors had been strange when at the branch, yet, nothing was done to stop the consistent bleeding of cash.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: MA
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:
XXXXXXXX XXXX continues to review and monitor my credit when I do not have any open credit accounts with this bank. This company continues to violate my right as a consumer to privacy of my personal information. I have continuously written letters to each of the three consumer reporting agencies to making them aware of XXXX XXXX improper use of the credit report. XXXX, XXXX, and Experian have a duty to protect consumers and they have shown to be negligent in their handling of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : 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 2021-06-10
Company: EQUIFAX, INC.
State: MD
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation