BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was sold and charged off and a XXXX party company bought it for pennies on the dollar and trying to collect the ending balance from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I am the widow of a XXXX vet and have been tax exempt for at least 15 years. At closing, my mortgage company, Planet Home Lending, charged me XXXX XXXXXXXX for taxes as part of my payoff. The tax collector sent the check back to the mortgage company and now the mortgage company is sitting on my refund. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
When I tried to open checking account ending in XXXX, Nevada State Bank conflated my new login they insisted I create with my login for account closed by me XX/XX/2023. 
This bank refused all attempts to close new account, since they mishandled my data.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a 100 percent XXXX veteran and the company XXXX XXXX XXXX fraudulently stole my identity from just a curious interest years ago. By telling me I could fill out a few forms but it would not enroll me. Years later I received a credit report of this. It had caused me not to be able to purchase a home and other lifestyle materials due to this constantly being updated as accurate updated report every moment I dispute. I have reported this issue to all three credit bureaus and they refuse to remove the fraudulent debt through online dispute but update it then my credit score drops more. Experian has denied me fair investigation using consumer laws. My documents of proof and my veteran  XXXX letter, XXXX ACCOUNT has been submitted and Experian bluntly rejected it as enough proof. I have submitted my XXXX letter since XX/XX/XXXX. My XXXX has been approved since XX/XX/XXXX and both Department of Education and Experian has worked as a team to ensure credit report is updated and I received total mind games. Its like a veteran in XXXX again except with its own companies illegally not following the consumer protection laws. 
I instead applied for XXXX XX/XX/XXXX and Experian refuses to remove item and investigate properly by contacting the Department of Education for verification of XXXX permanent XXXX discharge status. They informed me after I submitted proof I need to submit more. Help free me from this nightmare

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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my account out of nowhere. When I call i keep hearing different things. I have money in the account and need to withdrawal but they say theyll send a check but still havent

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 2023-09-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 want the official loan papers with my signature for the loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/23 I sent in a money order for {$1000.00} to American Express and they cashed the check on XX/XX/23. I have the back of the money order directly from XXXX XXXX verifying that it was cashed by Amex. They didn't credit my account. I have opened XXXX disputes over the same issue and they have never requested the back of the check or called or anything. They keep closing the dispute over and over and can not seem to resolve the issue. They keep asking for another {$1000.00} to finish paying off the account. Every time I go through customer service it takes at least XXXX minutes. I can not go on playing this same game with this large corporation over and over again and getting no where. Please help. The last referrence number was : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Edfinancial transferred my loans to their new system, which required registration for a new account. My loans were still being serviced by Edfinancial under this new system. After registering, my loans reflected different, higher balances than what were previously shown on their old system. I contacted customer support who said they can only put in a request to investigate the issue and won't give me a timeline of when that will be completed. It has been frustrating dealing with this company, as I've previously filed complaints for them recently where the misplaced funds from payments I made towards my loans, as well as issues registering for their new system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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:
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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 or 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 non-monetary relief
Consumer complaint received 2022-12-14
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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me XXXX XXXX  XXXX Date opened XX/XX/ Balance : {$0.00}

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 2023-06-27
Company: Experian Information Solutions Inc.
State: LA
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, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX  XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX has violated my rights accordingly : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. 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 2023-01-12
Company: ECMC GROUP, INC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Ecmc is currently in my bankrupcy. Theyre reporting late payments & balance owed. This should not be reporting on my credit report. I filed a XXXX  XXXX XX/XX/2022. They will get their money it a five year plan.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: WA
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 Sunday, XX/XX/XXXX I got an email alerting me that my email address had been changed on my Experian account. I had not changed it. 

I am a victim of identity theft, so it was clear to me my ID thief, who I know has my social security number, had seized control of my Experian account. This is a big problem for obvious reasons. I tried to log in to my Experian account and they said the user didn't exist. 

I emailed the publicly listed customer service email for Experian, as well as the one listed in the email they sent about my email address being changed. I didn't hear from anyone for 2 days. The next morning when they were supposedly open, Monday, I called their customer service line listed on their website, but it was impossible to talk to a real person. This was obviously by design. 

When they finally emailed back, it was from the non-publicly listed email that was in the " your email address has changed '' email. I asked them to provide some verification that they were really from Experian, since they were asking for personal information and it was an email address I couldn't find publicly listed. Two more days later they responded by writing, and I quote " I'm happy to inform you that the previous agent and me are from Experian and we are from the Email Department of Experian. '' This is ridiculous. Adding the registered trademark symbol to the end of the company name and saying you're from there is not real verification. 

I want to talk to a real, verifiable person from Experian on the phone and get this resolved. The email situation seems exceptionally shady, and their security system was so lax that my ID thief was EASILY able to seize control of my account. They also leaked all my personal information in XXXX which is likely how I find myself in this situation in the first place. 

Every day my ID thief has control of my Experian account means they are able to apply for more accounts in my name and get credit pulled. 

Even better- I would like to prevent Experian from gathering any more information about me and expunge all my info in their records because they have been so wholly irresponsible with it. If lenders need my credit report, they can use the other credit bureaus. 

Thank you for your help in 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 explanation
Consumer complaint received 2021-05-10
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home at XXXX XXXX XXXX XXXX XXXX Pa XXXX. 
I financed with Loan Depot, a company that only required me to pay 3 months of prepaid taxes and 6 months of prepaid insurance at closing. 
They used a bait and switch strategy where they undercut the local lenders with lower closing costs. Local lenders were charging 9 months prepaid taxes and an year ahead of homeowner insurance. 
Based on the purchase agreement I agreed to pay XXXX a month which is all I could afford. I bought the home in XXXX and the taxes were due in XXXX. 
Because I put 5 % down- I am forced to have an escrow account. In XX/XX/XXXX Loan Depot sent me a letter claiming that they were short in escrow- the taxes did not go up but they did not account for less XXXX in local taxes. I was fine to add XXXX to my monthly payment ot catch up for the shortage for this year and add the amount going forward. However- they increased my payment to XXXX for 9 month- until XX/XX/XXXX. In reality they do not want to forward my taxes and they are making me pay over XXXX month for 9 months which is against the purchase agreement. I had to withdraw money from my retirement to make these increased payments. This is against the law and they are keeping me XXXX to my credit and the home i purchased. If I fail to make the full payment they could foreclose the home. I contacted them sever times over the phone and in writing and a consumer agency. I have my numbers right - I am a XXXX XXXX  and have a XXXX in XXXX XXXX. I have my numbers right. I believe this is something that they do to many people and a class action lawsuit is needed. I am planning to sue and recover my losses since they put me in a tight spot and they wont allow me to get out of the escrow and pay my own taxes. 
Please investigate this corrupt company. One of their escrow people hung up on me when I requested the payment to be adjusted back. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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  account # XXXX, and Experian Ref # XXXX, and 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 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.

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 2021-05-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation