BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: Regional Management Corporation
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I mailed a dispute to XXXX XXXX, which they received per certified mail on XX/XX/2023, requesting that they update my balance to XXXX ( XXXX ) due to the debt being paid, and I included the evidence supporting my claim per the attached enclosures. 

According to 607 Compliance Procedures 15 U.S.C. 1681e ( b ) Accuracy of Report, which states the following, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Since XXXX XXXX is in Violation for NOT reporting a XXXX Balance, Im requesting for this entire trade line to be removed from my consumer credit report. I appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: MD
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:
Hard Inquiries need to be removed from my credit reports. 

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

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 2023-03-21
Company: Experian Information Solutions Inc.
State: MO
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}.

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 2023-08-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 have been trying to get the information that is on my credit report removed and deleted but the credit card agencies would not so now I had to file a identity theft report besides giving each company a copy of my police report. But now I havr and FTC report done as well to have these credit cards removed from my credit report asap. The FTC reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: TX
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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: PNC Bank N.A.
State: AL
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:
I attempted to dispute charges to my BBVA account. The person on the phone told me to go to the website of the other company and take my card off file. I explained that it was an annual fee yet they still allowed charges over several months. They have continued to charge late fees even though money is available in my savings account. I believe this was done because I moved my retirement account to another banking institution. They expressed with the merger from BBVA to PNC that I will not have access to my direct deposit funds. They state the transition will have different account numbers. I am having to change my direct bill pay accounts to a different bank. They expect me to return for services. I will not be returning as this will cause problems for my direct bill pay accounts and direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For two years in a row, I have submitted income documentation to XXXX to recertify my income-based repayment eligibility and payment amount. For two years in a row, XXXX has held on to this documentation until the last minute, then sends me the recalculated payment amount less than one money before the new payment amount is to go in effect. For two years now, XXXX has not factored my spouse 's student loan debt into the payment calculation, despite it being included by me both years. In fact, this year, I even starred and highlighted it and they still left it out. Last year, they fixed their mistake and lowered my payment amount accordingly, but it took them an extra money that I had to pay nearly double my normal amount. This year, the same thing happened, but they offered me an administrative forbearance for that one month while they fixed their own mistake. They assured me interest would not capitalize during an administrative forbearance of their own accord, and I also still have financial hardship so it would not capitalize. I just got a letter that it will capitalize, and it will be over {$15000.00}!!!!! Please help. 

Of less importance to me now, but still frustrating, they have refused to calculate my PSLF payments saying my employer start date is missing on my verification form. It was n't. I resent it and highlighted it and they still said it was missing! They then agreed to do a special recount since they saw it was there by phone. It 's been 6 months and I 've still heard nothing back. They say it 's normal processing time! 

My primary concern right now is the interest not capitalizing on XXXX XXXX. XXXX has purposefully ignored information provided by me, held on to things for months, and taken advantage of me financially through their own mistakes again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX  Greetings, PLEASE REMOVE ANY ACTIVE FRAUD ALERTS, EXTENDED FRAUD ALERTS, PROMOTIONAL BLOCKS, OR ANY OTHER NOTATIONS OR PERSONAL STATEMENTS THAT I, THE CONSUMER, DID NOT REQUEST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. ENCLOSED WITH THIS LETTER ARE DOCUMENTS THAT VERIFY MY IDENTITY. I EXPECT THESE ALERTS TO BE REMOVED WHEN THIS LETTER HAS BEEN RECEIVED. PLEASE NOTE THIS LETTER WILL BE SENT VIA CERTIFIED MAIL FOR TRACKING PURPOSES. I APPRECIATE YOUR DUE DILIGENCE IN REMOVING THE EXTENDED FRAUD ALERT, INITIAL FRAUD ALERT, OR ANY OTHER ALERTS, PERSONAL STATEMENTS, OR BLOCKS. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No signature provided to avoid duplication ) ENCLOSED WITH THIS LETTER : Identification Social Security Card Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this accounts, XXXX  XXXX XXXX  XXXX, ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-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.

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 2023-03-21
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-01-17
Company: EQUIFAX, INC.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a XXXX on XX/XX/2023 via the web site XXXX XXXX XXXXXXXX and paid by XXXX using my bank account in Bank of America {$900.00} XXXX XXXX XXXX  XXXX XXXX XXXX. The details for the payment were provided by a representative from XXXX via live chat on the website. I received a confirmation of the order. It seemed valid. However, on the next day I understood that I was scammed, because I was asked to pay additional {$150.00} for delivery to some strange delivery company XXXX, and I submitted a claim about the scam to my Bank of America. Two weeks later the bank sent me a letter, which I received XX/XX/2023, saying that the claim is not approved. I submitted to the bank request to reconsider and again the claim was refused by XX/XX/2023. The bank cleared the transaction to scammers one day AFTER I reported the scam! I tried to requeest money back using XXXX from my bank from XXXX XXXX XXXX, and, of course, there was no response. I requested from the bank to provide details of this scammer 's XXXX account and name of the owner, but my bank did not respond. The website is created by criminals to still money and does not ship any goods, and my bank did not help me to get money back from the scammer. 
Scammers used following e-mails and phone : 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 explanation
Consumer complaint received 2023-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On or around XX/XX/16 I funded my savings account w/ an online bank. They immediately denied me online access. I have called them repeatedly and finally told them to remit the balance to me and close the account. There were 17 calls in all over these last 7 weeks. 

I have been variously told the there was a restriction on the account and then the story changed to it being under review. 

They at one point claimed that they couldn't send a verification code to my phone. I asked to speak to the rep 's manager and was told that it could be sent through the Post Office. I received the letter, call it in and was told that they could send my money. 

Nothing happened. 

Initially I told them to send a paper check. Later when I called about it I was told that they couldn't do that, instead they would reverse the electronic transfer that funded the account. 

Again nothing happened. 

This is enough money to easily qualify as XXXX XXXX in the State of California.

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 2019-02-09
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:
On XX/XX/2019 someone tried to buy a car at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I disputed all items on my credit report on XX/XX/ including credit inquiries. As of this date it has been over 30 days and I have not received a response from Experian and XXXX. I asked that all accounts showing on my account be verified as correct and they have not responded as of this date.

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 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

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 2023-01-17
Company: Experian Information Solutions 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:
In the month of XXXX I sent the credit bureaus an FTC report in regards to information on my consumer report that is a result of fraud. XXXX XXXX XXXX Account # XXXX was initially removed and reinserted on my credit report. I do not provide written permission or instructions for the account to be reported on my comsumer 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 2022-07-12
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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX  credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-01-26
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX XX/XX/XXXX Freedom Mortgage has not been in compliance with RESPA and continues in its escapades of mismanagement, willful disregard, criminality and/or incompetence in references to compliance to RESPA. As it pertains to the laws and rules on Escrow accounts.

Section 10 of the Real Estate Settlement Procedures Act ( RESPA ) provides protections for borrowers with escrow accounts. Specifically, it limits the amount of money that a lender may require the borrower to hold in an escrow account for paying taxes, hazard insurance and other charges related to the property.

They continue to say they did not receive a lump sum paid in full even though we have numerous times in complaints to them and in letters that were sent since XXXX by certified mail to them. 

As well as the most recent certified letter sent to them on XXXX XX/XX/XXXX. 

They have charged me a late fee because they created a situation where the payment was approximately XXXX more every month. They continued to bill me and still are doing so for 3 months now. 

There was an overpayment of the taxes which I had refunded to me. I now need the overpayments because they are billing extra amounts that they claim is because the shortage was not pain in full there for the are billing me monthly installments creating continued violations of the above mentioned laws as well as FHA laws and/or any other laws that are applicable. 

Section 10 clearly says Each month the lender may require a borrower to pay into the escrow account no more than XX/XX/12 of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. In addition, the lender may require a cushion, limited to no more than XXXX of the total disbursements for the year. 

The lender must perform an escrow account analysis once during the year and notify borrowers of any shortage. Any excess of {$50.00} or more must be returned to the borrower. 


Last year they did the same thing creating an overage of over 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 explanation
Consumer complaint received 2019-02-09
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving calls from Midland Credit Management about a debt they say I owe. I spoke to them numerous times and explained that the person they are looking for is my uncle who has the same name. They get nasty and then ask me for my social security number and other personal information. When I explain its not me they say they will remove my number but the calls start again in a few weeks. I don't know how to get them to stop harassing me.

Company response to consumer: Closed with non-monetary relief