BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Re-focusing on past statements PHEAA has provided in this forum, it is appalling that PHEAA basically calls me a liar by claiming that they couldn't " substantiate '' any inappropriate activity. The fact remains that they have employees who act threatening towards me when I call the company out on their wrongful behavior. Again, this is another form of discrimination against the borrower by the acts of their Agents. They allow people getting paid to be professional at their organization to act in any way other than professional. I have had Agents claim they were keeping a " close eye '' on my personal information after they became hostile over the phone simply because I disagreed with a statement they made. Chat Agents dialogue shows and proves contempt for being professional by claiming they " already answered my question '' when they did not, and I had to repeat myself multiple times. My guess is PHEAA deliberately deletes recordings that prove their agents are despicable and hateful individuals. These agents make mistakes that are borderline criminal by invalidly removing my access on multiple occasions. The responders are extremely short-sighted and fail to diligently look at all evidence of wrong-doing. There have been several chat transcripts like the one I submitted in the past. It is only when I post the entire transcript through this forum that PHEAA tries to claim apologies. Any other time, they find " no wrongdoing ''. This is an obvious red flag and a crucial clue that whoever is responding is not doing their job properly, and probably needs to be terminated or replaced. 
PHEAA STATEMENT FROM XX/XX/2022 -- While we understand that you have been dissatisfied with the service that you have received, we were unable to substantiate your claims of inappropriate activity. No further action related to restricting employees accesses to view account records is planned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Genesis FS Card Services, Inc.
State: FL
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:
Two consecutive months I have tried to login to pay on the due date and the website always gives me login errors or says temporarily unavailable. Shortly after the XXXX XXXX  cutoff when payments are late, I'll be able to login again, but will be too late and have been assessed a late fee both of the last two months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on a house on XX/XX/2021 after much research even asking the lender multiple times questions regarding the appraisal and what was the appraisal offer lower than asking I kept getting he didnt know, the transaction happened, come to find out there were leaks and damages plus inspections done without my knowledge. I am not able to live in my home I just bought due to mold and being allergic to mold, and seems everyone involved in this transaction has dirty hands. Im very afraid theyll get away with this if nothing is done. I lost everything. I moved all my belongings here thinking this was my retirement home. I reached out to Veterans United requesting verbally and in writing a copy of my records on XX/XX/2021 was told that they the lenders had nothing to do with this and she was sorry for my home buying experience that turned out bad. 
I emailed CEO XXXX XXXX at XXXX and XXXX as well as, XXXX and have yet to even receive an acknowledgment. Ive emailed the local Sheriffs office asking for answers in how to go about this cause evidently the local police office states its not their jurisdiction. I have yet to hear anything back yet. Every attorney I emailed, called, etc has not responded, asked for a large retainer without seeing what I have, and the realtors, say theyll call you back but never respond. Im XXXX XXXX XXXX veteran Im tired mentally and emotionally. I did nothing but place my trust in a bunch of professionals that are licensed criminals and the law protects them. This is a {$240000.00} loan, Ive lost over {$30000.00} thus far just dealing with this and paying hotel and food plus other bills, I have XXXX left. And these criminals are free to keep scamming folks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is in regard following account ; Alleged Creditor : XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX is reporting to my account when i do NOT have credit with them!!!! I personally went to the branch and was advised that I am not listed on that account, but it is ON MY CREDIT so clearly i am somehow listed! I do NOT have an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX. Please make them remove this from my account!

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 2023-09-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

I have read under FCRA, 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 1681q - Obtaining information under false pretenses 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, imprisoned for not more than 2 years, or both.

18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

In addition, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may
furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY 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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct # XXXX and Child Support XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a 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 2021-03-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There was multiple charges to my card between XXXX and XXXX totalling {$4300.00}. it appears that this company continued to charge my card {$300.00} at a time untill all my money was taken. I immediately disputed the transactions and about 10 days later got a email stating that my inquire in regards to the transactions show that there was not a error. Well this is rediculous as I did not authorize these transactions and I also supplied proof that this company has done the same thing to other people. I did not receive any good or services and did not present my card to be charged so I need my money refunded to me and furthermore I'm ready to get a lawyer to help me. I was also informed that serve card has been sued for this very reason in the past by not correctly resolving disputes. My money was stolen with out my authorization and it needs to be given back to me. Especially seeing I showed proof that this chumba has done this to others and are known for taking money with out authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed the original creditor, XXXX XXXX, a total of XXXX for a former account. XX/XX/XXXX, I made a payment of XXXX. This was updated on my credit report. On XX/XX/XXXX, I made a payment of XXXX. Both payments were made directly to XXXX XXXX. I have disputed the balance owed on this account multiple times to XXXX XXXX  and XXXX. Transworld is the collection agency contracted to collect the debt continues to report a balance owed of XXXX. I called Transworld on XX/XX/XXXX and was told that XXXX did not notify them that the second payment had been made. I called XXXX on XX/XX/XXXX and spoke with a XXXX who informed me that the balance is XXXX On XX/XX/XXXX, XXXX contacted Transworld and informed them that the balance is XXXX and to remove it from the credit report. I followed up with Transworld today and spoke with XXXX XXXX ( agent idXXXX ) and was informed that their records show that I owe a balance of XXXX. I called XXXX again and asked for the CEO 's email address as I needed to escalate the matter. I was then told by a rep who worked for XXXX that they would notify the collection agency that the account was not only paid off but they would request to have it removed from my credit report. I feel that I have done my due diligence in taking care of this matter but it is still adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: LA
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:
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 XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights. 

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

15 U.S.C 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 explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX XXXX I contacted my Bank CHASE & notified them of unauthorized reversal charges on my account there had been several to make them aware is wasn't me but to also ask them why I haven't I been notified by them & or the fraud department, By this time I had changed my username to try to stop whoever it was and started receiving fake text and phone calls messages asking me why. I then realized just a few weeks before thgis I noticed some weird activity with my debit card & request it to be deactivated change immediately and a new card be sent out possibly were the ones doing the reversals on my account & I followed by also reporting this to my local Police department obtain a police report case number for fraud. 
Chase Bank started the claim process & told me they would take extra security measure on my account and it would take 6 days as I request to close the account as it still was accruing a increase negative amount they ask me is I wanted to dispute all charges I stated yes & I requested that my creditors all be paid back for the reverse charges, and then proceed to close the account. Chase informed me the account must remain open during the investigation, its been over 6 days also after reporting this on XX/XX/23 there was another reversal made after me warning them its not me and this reversal was made with my old debit card that I ask to be deactivated specifically told Chase from this point on if I have to conduct any business with I would call and use the security measures put in place to avoid any more charges it went thru as well. I received several letter saying the reversal was completed but still the account remains in a negative status, I proceeded to make an appointment to speak with someone on XX/XX/23 about this manner and get an update only for the representative to tell me I have to call claims again, now Im receiving emails stating I need to make a deposit in order for this account to remain active because its - {$2400.00} and havent heard or received anymore correspondence from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-03-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Please refer to previous filed complaints XXXX and XXXX. 
Since filing these complaints, 5 transactions {$50.00} and 4 a {$25.00} have been presented three times, returned 3 times and assessed overdraft fees {$36.00} for each transaction. As well, 6 @ {$30.00} were presented as extra fees of the merchant of the {$50.00} and 4 @ {$25.00} transactions. These fees were also presented 2 times and returned. Banking regulations allow 2 presentment but institutions accept as many as are presented. 
This process is a severe abuse on the consumer. 
This is a process that is used to generate fees. As well, the transactions are re ordered so there may be funds available for lower amounts but largest are put first even though not presented in that order. 
I have communicated with the Executive Escalation Representative, XXXX XXXX. She has refused to consider the circumstances and abusive processes which caused the issue. My account would not be overdrawn if not for this unfair practice. I still have to pay the returned items and the overdraft is all fees. PNC has refused refund in the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: BMW Financial Services NA, LLC
State: GA
Product: Credit reporting 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 already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!

Company response to consumer: Closed with explanation