BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
It seems in XX/XX/2023, EdFinanical sent either a letter or an email to me indicating that they were changing their systems and as such had created a new account number for me. I don't remember receiving said letter/email but I admit I might have missed it. I can't tell you if it was a letter or email but I have been told by the company that I have gotten both but they can't provide a copy of it. Because of this missed communication, my payments from XXXX, XXXX, XXXX, XXXX and XXXX have not been applied to my account. I discovered this on XX/XX/XXXX and called the company and was told, if I could provide proof of the payments they could put in an escalation to process my payments faster. I faxed over this information on XX/XX/XXXX and called again on XX/XX/XXXX to confirm receipt. I have called back several times asking for a supervisor because all the call reps can tell me is that payments will be applied within 120 day ( sometimes 120 business days ). I got a call back from the supervisor and she was also going to escalate it. I didn't hear back from her again. I then sent a letter to the CEO and put in a complaint with the XXXX  so then the call reps wouldn't talk to me to except to say that a response would be sent. The response was be patient we have the records for your XXXX thru XXXX payments and they would apply them as quickly as possible. I responded to that complaint with they were missing my XXXX payment and they haven't replied. I called last week and requested a supervisor call me back. I never received a callback. I have also requested a copy of my full payment transcript as they changed systems and I no longer have access to that information. I have never received that information either. It is now past the 120 days for the XXXX payment and it still hasn't been applied. I don't understand why it is taking so long to apply electronic payments when I have provided them with the dates, amounts and tracer numbers. I have also been told that they never sent out any additional letter/emails when they received payments with bad account numbers. They now have {$850.00} of my payments that they have yet to apply and their only response is be patient. I am tired of being patient and talked down to because they didn't bother to create a system that when payments were received with an old account number on it that they could easily find the new account number. I am also tired of being patient when I have provided them the information that they requested, are ignoring it. All I want is my payments to be applied in a timely manner and at this point XXXX from the date each payment was made is too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF HAWAII CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an online account. I then tried to make an online profile but could not because the phone numbers linked to my account were wrong ( they were not the same ones I put on the application when I applied ). 

I called their customer service number ( XXXX ) and spoke with XXXX who said I did not have a deposit account. I told her they probably closed my account because there was no balance for more than 30 days, and I asked to speak to a supervisor. She put me on hold for more than XXXX minutes, so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: NCB Management Services Inc.
State: VA
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:
NCB MANAGEMENT SERVICE- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX  I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Good afternoon, Sir/Mam, the issues I'm currently facing with Mr. Cooper mortgage is that, I am a XXXX XXXX veteran and have been approved by the state of Maryland as being Tax exempted. However, Mr. Cooper has been charging me Escrow fees since we moved into our home XX/XX/2021. 

This was brought to light by my original lender XXXX XXXX  ( XXXX XXXX XXXX ) who requested an update of my current mortgage as to ensure we weren't being treated unfairly and that we're paying the correct fees. Upon his review XXXX XXXX XXXX asked, " why are you putting money into an escrow account when you are Tax Exempt? '' I then told him I wasn't sure as to why Mr. Cooper charged me extra escrow but did mentioned that I had brought the issue up with Mr. Cooper, at which point XXXX XXXX XXXX XXXX suggested I file a complaint with the consumer financial protection bureau because I was being wrongfully charged.

I've contacted Mr. Cooper and spoke with the compaby several times about this issue. Representative from Mr. Cooper asked me to provide proof of my exemption letter multiple times and that which I did. However, Mr. Cooper mortgage claims they could not find my document on file. this has been ongoing for the past XXXX and half years since we moved into our home. 

Furthermore, every year, it seems our mortgage seems to be increasing and this is due to the property tax for which I am exempt. My concern is that, if this continues, we may not be able to pay our mortgage and possibly lose our home.

The escrow payment is recurrent and I am attaching a copy of both my tax exempt letter and escrow charges for your review. Lastly, I have a family of six including a 1 year old and is just asking that each party is treated fairly as time are hard with the current inflations. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 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 XXXXXXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Dept of Ed/ XXXX : # XXXX XXXX XXXX : # XXXX these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

And one more thing, they didn't even record the current status of the disputed information.

Experian, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but Experian isnt doing its job according to the law.

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 2023-09-08
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So on XXXX I texted a dude on Marketplace with the name XXXX XXXX and he was selling a XXXX for a good price so I texted him and asked how much and he told me and so I asked if he would take XXXX and he said yea and then I asked him where he lived and it wasnt to far from me about an hour and then this is where I shouldve stopped dont know why I didnt he asked me to make a deposit of about a XXXX $ so that I could have it in my name so no one else could take it. I told him Ill j take the risk and wait and thats a few days ago by and he texted me and said if you just give me {$150.00} for it XXXX you the XXXX the controllers and all the cords so XXXX like ohhh XXXX betttt. So then I told him I would send him the XXXX when I go up to his house to meet him and he tells me to just cashapp it to him now because he isnt going to be at his house and that XXXX just leave it on his porch. So XXXX like nah we have to meet up and then when I see it XXXX send you the money. So then a few days go by again and he text me aye if you send me {$120.00} to get a new key for my car and some gas that he could just drive it up to me. At this point its been forever and I just want the XXXX thing so XXXX XXXX it and sent him {$120.00} on cash app. His cashapp is @ layingtickets. And so hes like awesome XXXX be leaving soon and so XXXX bet and then a few hours go by and I ask where he is at and he text me back saying he is XXXX minutes out and thats when he hasnt texted me since and XXXX blocked me on XXXX and took down the listing. Please Im literally struggling so bad and yes I know it was very XXXX  to do. EDIT : this is my second complaint now, my first case got closed due to them not be able to verify that it is my account. I dont know how else Im supposed to verify that it is my account but I need this fixed asap please because Im really struggling and that money was a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
They are many account open under my name and the account were transfer to one account, I been trying to delete all the repeat it account from credit report and leave the one that is open and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Incorrect information being reported due to unlawful consent.

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 2022-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive made three prior complaints about this matter they lied about the opening checking account you receive a XXXX or bonus with direct deposit I did all that they broke down my direct deposits in two different payments so it would be less than {$500.00} so that way they could get out of giving me the bonus Then upon that my debit card my bag my phone was all stolen they use my phone to gain access to my checking account change my pin number use my ATM card to make purchases online and drain my bank account about XXXX bucks his company refuses to give me my {$500.00} back they say that it didnt happen but yet the funny thing is is I just received a letter today stating that their investigation was finished and they did in fact find out that fraud was involved and they granted me a payment of {$280.00} for some of the charges on there but there still standing at the ATM withdrawal was not fraud so I would like to get them to explain to me how that works The representative from the bank called me one time left me a message his voicemail says XXXX get back to you within 48 hours Ive called him seven times he will not return my phone calls its almost like they wanted to make it look like they made contact but in return they didnt really want to make contact because I cant get no calls return Im asking if something be done with this bank Ive gone through XXXX Ive gone through different web searches and see that they do this to a lot of people and they cant just be like oh I have high morals and values and I promise you I will die on this hill I will go forward with civil proceedings or whatever I have to do to get my money Im including pictures of the deposits and a picture of the police report number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Sychrony Bank - Over the past 18 months, I have made three payments : {$360.00} ( XX/XX/2020 ), {$200.00} and {$500.00} ( XX/XX/2020 ), on two separate accounts. Each time they posted the payments to someone else 's account entirely and did not credit my account. I paid the {$360.00} a second time and it posted correctly. The {$200.00} and {$500.00} ( both in XX/XX/2020 ) have never posted to my account and I was forced to make yet another payment. Because of Synchrony 's error, I am out {$1000.00}. When I called to remedy the error, I was on hold for over 45 minutes before the call disconnected. The owner of the account the payments was posted to also called, with no resolution. I have attached proof of my payments and proof of the account they were posted to. I do not know where the {$500.00} posted, but it has cleared my bank.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-10-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 am writing to formally notify you of the unauthorized XXXX inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY!

According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section.

Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile.

Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized XXXX inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following account and public records listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The items are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : 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 2022-12-18
Company: EQUIFAX, 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:
I have maintained a great relationship with XXXX for over 30 years doing my banking, auto financing, credit cards, loans home and auto insurances over a span of a decade. In 2019, I circumstances changed and my combat wounds from XXXX XXXX MILITARY and I became 100 % XXXX. Within, XXXX I had to ensure all documentation for medical for the VA and XXXX XXXX XXXX I went from the work force to a XXXX life and within this time span a suffered a divorce and the XXXX happened. 

I never once tried to get out of my obligation with XXXX and in writing and by phone calls worked payment plans out best suitable. XXXX, I received a call from XXXX XXXX XXXX ( not the CEO, a person from or claiming to be from the CEO of XXXX XXXX ) about my letters I wrote and over recored line stated they aren't doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I've placed more than 25 separate calls, attempting to resolve this matter, and the procedure is never completed. What's worse, they keep double-charging me every month for balances that are AUTOMATICALLY deducted from my bank account. 

If they balance is {$3000.00}, they deduct {$6000.00}. If the balance is {$4000.00}, they deduct {$8000.00}. The do this every month without exception, and take weeks to return the funds to my account, and only after I call repeatedly requesting that they fix the mistake. 

This has gone on for the last 5 months, and I still can't close the account. Bank of America is the worst.

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