BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: LEXISNEXIS
State: IN
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:
On XX/XX/2019 I sent a certified validation letter to Lexis Nexis asking them to validate a bankruptcy listing. They responded with a full report under my name that had a bankruptcy listing with inaccurate information. I also sent in the certified mail proof from the alleged bankruptcy court that they do not validate and or communicate directly with any third parties. It appears Lexis Nexis ignored that information. If you look at the attachment which is a copy of what they sent me in regards to the bankruptcy listing they DO NOT have a File Date just some random number which is repeated under the LAST DATE SEEN. They also do not have a DISPOSED/DISCHARGED DATE which would be needed if they were going to send this information to the bureaus and report anything that could potentially negatively impact a consumer financial well being. The information that they have does not match what the bureaus are reporting so how is that the bureaus got their information from Lexis Nexis? To add to this, Lexis Nexis HAS THE BANKRUPTCY LISTED TWICE! This is absolutely ERRONEOUS AND UNFAIR CREDIT REPORTING! They have given my information or to Equifax while their is a SECURITY FREEZE ON MY ACCOUNT because I have been so afraid of a family member putting things in my name. I have so much proof on Lexis Nexis. Please see the attachments. This must be removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage servicing company based in Texas called Residential Credit Solution is NOT offering us an option to communicate with them electronically to resolve an issue with slamming. Despite the fact that we are paying for property insurance, they are adding the amount to our mortgage balance. Their customer service front-line folks are unable to provide the source of the escrow funds and only provide the balance. They wants us to chase their escrow folks. It appears they are on commission and only care about collection.

Company response to consumer: Closed
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My WELLS FARGO ACTIVE CASH VISA CARD ... XXXX Has a scheduled automatic payment. 

The amount is described : " $ XXXX $ XXXX '' The disclaimer states : " *An amount within this range will be sent as your automatic payment. Any additional payments applied on or before your due date will reduce the automatic payment amount. '' This payment description is vague, ambiguous, unclear, incorrect, and does not guarantee that the last statement balance will be paid. 

By contrast, my other credit card, shows a DIFFERENT description for the automatic payment. 

WELLS FARGO AUTOGRAPH VISA CARD ... XXXX The amount is described : " Last statement balance* '' The disclaimer states : " *You have selected the Last Statement Balance option. The automatic payment amount will be shown on your next statement. This amount will be reduced by all payments posted before your automatic payment is processed on your due date. If these payments meet or exceed the automatic payment amount, no automatic payment will be sent. '' Wells Fargo claims that both of these accounts are set to automatically pay the " last statement balance. '' Nonetheless, the payment amount displayed to me for card XXXX shows a range of {$0.00} {$35.00} and does not state " last statement balance ''. This range of payment does not provide confidence or guarantee that it will in fact pay the full statement balance. 

Wells Fargo could not fix this problem. Wells Fargo stated their internal systems show the {$0.00} {$35.00} payment range is displayed as " last statement balance '' in their system. 

The Wells Fargo online portal for credit card automat payments is misleading, inconsistent, and deceptive regarding my card ending XXXX. 

My case ID for this interaction is XXXX. 

I was promised a case manager would respond within 10 business days.

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 2023-06-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
After attempting to get my money back from a company that was clearly a scam. They no longer have a site or anything for an order from XX/XX/XXXX order # XXXX for XXXX XXXX XXXX XXXX XXXX came to {$71.00} XX/XX/XXXX XXXX XXXX  spoke on the phone with XXXX at TD bank. 

Merchandise not received. 
They have since changed their email and stopped responding to emails and XXXX  in XXXX and XXXX. 

I was given a provisional credit was issued on XX/XX/XXXX and then it was taken back on XX/XX/XXXX and the bank stated that I made the purchase. Yes I did make the purchase my issue is I never received product and I have proof of communication and then lack of response to either refund me or send me my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: World Acceptance Corporation
State: MI
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:
Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter on XX/XX/2022 to remove collection accounst that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XXXX/XXXX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : -

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 2021-11-02
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
western union : - XXXX recording date : - XX/XX/2021 amount in USD : - XXXX amount and currency to be delivered : XXXX rupees I have sent this money to XXXX to my family member bank account he never received the money till today i have tried to contact western union several times and they are saying that i have to ask that XXXX XXXX  how can i ask them i have did this transfer with western union so i have to ask them from last 2 months they never helped me to get my refund back or to make money available to the receiver they are keep on sending email to the XXXX XXXX  and the XXXX XXXX  is keep on saying that the money is already deposited in the receiver 's account and that6 guy never receive the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I withdrew XXXX from bank of america atm in XXXX ma. the atm only provided me with XXXX and ran out of my money. I called right away and was told it would be credited in two business days we are now on day ( 5 ) and still has not been credited to my account. each time i call always getting different answers with nothing being resolved and my money returned to account! 


please help me resolve this issue! 

sincerely, 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 monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion and XXXX are reporting my student loans to be late. My student loans were NEVER late. My student loans has always been in deferment even when President Biden administration policy act was in place. Student loans can not be placed in Bankruptcy unless there is an hardship shown per President Biden administration policy. Make the necessary changes to correct these negative marks on my credit report regarding all my XXXXXXXX XXXX XXXX. There is also car loans on my credit report that do not belong to me the following are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please fix these remove this incorrect information immediately!

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 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to pay my last payment XXXX tax office ion XXXX, XXXX XXXX. Have never had an escrow account with BANK OF AMERICA. Tax office said BOA had paid my last payment of XXXX without informing me. I immediately called BOA and paid them the XXXX. Begged cried and pleaded with them to delete escrow account, as it was paid in full. I am on XXXX and get XXXX per month yo pay my bills. My parents help me with taxes. I pay insurance separately also. HAVE BEEN WITH THEM OVER 20 YEARS. Paying XXXX per month. Payment has gone up to XXXX a month. They have tried to force me into a loan modification and other government help. I do not want that. Paid regular XXXX and they sent it to unapplied funds. Saying I didn't pay FULL AMOUNT DUE AND THEY DO NOT TAKE PARTIAL PAYMENTS. I called and pleaded but yo no avail. Again, they changed my mortgage payment from XXXX to XXXX a month. Please help me. I'm XXXX and.have never been late with a payment. Had paid XXXX yo tax office, went to pay final amount in XXXX and tax office said BOA has already paid remaining, called and paid BOA remaining amount immediately. They have forced me into escrow without any contact at all. When I ask to be removed they said NO. ITS like my 20 year history with them doesn't even matter. I am sending pics of statements where they wouldn't apply my regular payment of.XXXX. Until I paid XXXX... I am on a fixed income. I can not pay the XXXX extra every month. Never been behind on taxes, insurance or my house note. I really need your help..I just want them to take me out of escrow. XXXX may not seem like al

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 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-03-19
Company: EQUIFAX, INC.
State: NJ
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:
I received an email XX/XX/2022 from XXXX which is a company that I had a XXXX XXXX XXXX XXXX  with. The email stated the following correspondence : Saying goodbye is never easy XXXX, You are the reason we built XXXX. Youre the reason we created XXXX XXXX XXXX. All companies change shape and grow at some point. Our time has come and we are saying farewell to our beloved XXXX XXXX XXXX plan to focus our efforts on other products that will help people in greater ways. 


On XX/XX/XXXX, our trusted partner, XXXX, will be taking over for the duration of your loan. You will make payments and manage your account from their website. Aside from XXXX now being the servicer, nothing else about your loan is changing, and all terms will be the same. Continue to make payments on your scheduled due dates. If youre using AutoPay, it will continue to work as usual. Youll be able to download all of your loan documents and statements from the XXXX website. 
1. So my payments which were on auto pay began to come out of my account with the new company as of XX/XX/2022. However, the new company has not reported any of my bi-weekly payments to any of the credit bureaus. And when I tried to file a dispute with all three agencies regarding this matter I was given an message that stated I am unable to dispute the information.

2. Also the company is listing on my credit report that my monthly payments are {$270.00} which is inaccurate. I pay {$120.00} bi-weekly and there are only 4 weeks in a month that comes out to {$250.00} per month not {$270.00} as being reported by the credit reporting agencies. Which you can see from the documentation provided. And the same message was received when I tried to dispute that inaccuracy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-04-13
Company: EQUIFAX, INC.
State: NJ
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AES/PHEAA
State: WA
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:
I received an email saying that I had until XX/XX/XXXX to submit my loan payment for the month. When I attempted to log in, I got a " Site under maintenance '' page. No biggie, I work in software so I waited a few hours and tried again. Same page. 

I looked online and found a twitter post from XXXX  ( @ XXXX ) on XX/XX/XXXX, stating : " We are currently experiencing technical difficulties with our mobile application. We apologize for any inconvenience this may cause and we will notify you when this is resolved. '' Only it's not isolated to the mobile application. I can't access the customer support information from the site, I can't repay my loan from the site. And I'm not aware of any other ways that I can make a payment. There are tweets in the thread spanning from XX/XX/XXXX to XX/XX/XXXX, with people complaining that they're unable to log in. 

I can't access the contact information for the company either, because when I click " Contact Us '' on the main page, it says " Site under maintenance ''. 

I looked at their online terms of service, and there's a clause that states they aren't responsible for inability to access repayment portals even if they are the ones that caused it. 

Snippet from the Warranties Disclaimer from PHEAA 's Online Services Terms of Use " YOU ACKNOWLEDGE AND AGREE TO USE ONLINE SERVICE AND ANY MATERIALS OR INFORMATION PROVIDED BY PHEAA ( INCLUDING THIRD PARTY INFORMATION, PRODUCTS, AND CONTENT ) AT YOUR SOLE RISK AND THAT PHEAA CAN NOT GUARANTEE AND DOES NOT WARRANT THAT YOUR ACCESSS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE OR THAT THE INFORMATION ACCESSIBLE FROM ONLINE SERVICES WILL BE FREE OF COMPUTER VIRUSES ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: WI
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:
By the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation