BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: TN
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:
All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX says is nowhere to be found. Experian refuses to allow you past the automated operator. XXXX refuses to take my info or evidence, and XXXX wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.

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 2022-09-19
Company: EdFinancial Services
State: IL
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:
I contacted edfinancial on XX/XX/XXXX for a refund on a payment I made in XXXX. They processed the refund and stated it would be 2 weeks until it was completed. I called again today XX/XX/XXXX and they said it will take up to 150 days to complete the refund on the payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: TN
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:
Im accordance with the Fair Credit Reporting Act, XXXX account number # 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 states that a consumer reporting agency can not furnish my 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 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was victim of a scam. I purchased a plane ride and hotel which were payed using the XXXX app with my Bank of America account. Due to it being through my bank, I expected it to be a secure transaction. First transaction was for {$2000.00} and the other for {$1200.00}. Both made XXXX XXXX. The number send was to XXXX - XXXX  & XXXX. I was given a fake plane ride and hotel confirmation which at the time I believed. I contacted my bank and began a claim when the date arrived and no plane ticket existed. Bank stated they can not help since it was a authorized transaction. I am deeply saddened and shocked. I was a victim of a scam and lost {$3200.00}. I believed my bank would protect me

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 2020-04-11
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Morning. About a week ago I came down with the notorious XXXX virus. I went to the bank in the drive-thru lane to make a withdrawal of my funds during this tuff time period. I am told by the banker that i would not be able to make a withdrawal. Immediately I knew that I was being racially profiled. I asked why and the banker said my account has a block. I ask why my account has a block and he did not mention that he was the one who enacted the block but came up with some excuse that I can't remember at this time. He secretly blocked my account without notifying me while i was there. I find that strange because I was using my debit card just fine before I went to that bank to make my withdrawal. The banker refused to withdraw my funds and treated me with such disrespect that I have ever been treated within my life from a banker. I went home and cried because I know that banks would either be reluctant to release my funds to me because of XXXX or the fact that they are racially profiling me. I have called numerous times numerous days IN A ROW! Thankfully I was able to get my money out by sending the money to someone else using XXXX and XXXX XXXX. Otherwise, the bank would still be holding my money captive during this crazy tuff time. US bank dropped the ball this time. I am so upset because I am not able to pay my bills because my account is locked. My billers do not accept cash. I am in self-isolation due to XXXX and i do not want to put anyone at risk trying to go out and get a prepaid debit card loaded up with the cash i have on hand. This is what the banks do when the going gets tuff. They block your account and racially profile you and say your apart of fraud WHICH I AM CERTAINLY NOT. I am so upset and frustrated I have even called corporate and are waiting for a response. Corporate has told me numerous times they would not be able to release the block on my account and only the manager of the bank who racially profiled me could. They told me they would reach out and get back to me and they have not. I want whoever to be held responsible for making my life harder than it already is. Nobody has helped me to solve my problem. This bank is operating in a predatory manner. During this tuff time, it is unacceptable.

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 2021-05-27
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear 'Better ' ( XXXX ) Mortgage Company, I see that you have changed my closing date again! You show on my 'overview ' that the close will not happen now until at least XX/XX/XXXX. 

XXXX XXXX told me that my close date of XX/XX/XXXX " WOULD BE NO PROBLEM ''! I 'locked ' for 30 days because " that would be no problem '' she said. 

Better is purposely delaying processing and every day asking for just a little bit more information. So now, guess what, I will need a new lock. What will the new lock rate be? WHATEVER YOU SCAMMERS WANT? WHENEVER THE INTEREST RATES GO UP? FORGET IT! I HAVE BEEN SENDING YOU MORE INFORMATION EVERY DAY FOR THE PAST TWO WEEKS. I AM SICK OF THIS! THIS IS A SCAM! Luckily I am not in need of a new house like other poor people you scam. 

I have never had so much trouble getting a mortgage before - and I have had many in my life. Most banks get the information they need themselves. I'm doing all your work. 

PLEASE EXTEND MY LOCK PERIOD 'UNTIL CLOSE ' OR ADD ANOTHER 30 DAYS TO MY LOCK AND RE-ISSUE MY 'BETTER ' ( XXXX ) LOAN ESTIMATE!!!!!!!!!!!!!!!! 

I am resuming shopping for a mortgage with other banks. Keep your {$550.00} and merry XXXX! 

I will let you know if I decide to NOT accept your loan contract. 

Please send me a copy of your " appraisal '' whenever you look it up on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
We were contacted by a telemarketer via phone stating that they were calling from XXXX XXXX XXXX  which we are members of, with promotions to book our stay at XXXX XXXX. We were looking for a trip for our daughter who is turning XXXX. We went ahead and booked from XXXX with a total cost of {$3600.00} + {$50.00} bank fees, flights included. We have emails back and forth with promotion, total cost and requesting payment. When attempting to make the payment with our traveling credit card, payment was declined but because chase  does that to us more often than not when its international we didnt think much of it. They asked us to wire the money to reserve our flight and stay. Yesterday XX/XX/XXXX at around XXXX we stopped at chase to complete the wire. Today XX/XX/XXXX in the morning, I saw an email from XXXXXXXX XXXX XXXX alerting us of suspicious and/or fraudulent activity. I decided to call and confirm that we had indeed made reservations. Unfortunately I came to find out that it was in fact a fraud. We immediately reached out to chase to let them know about the fraud. Receipt showed that funds wouldnt be wired until today XX/XX/XXXX and available until XX/XX/XXXX. Per chase, all they can do is send the bank in XXXX a letter notifying them of the fraud but advised us that money was basically lost. We also contact the bank in XXXX and made them aware of this issue. Information below is where fund were wired INFORMACION 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  I have attached screenshots of email with information in regards to our supposed reservation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.

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 2020-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date XX/XX/2020 exit XXXX XXXX XXXX  XXXX XXXX.went use my debit card bank of america shut down my credit card without any notice stuck out of town with no money i had Toal amount i had XXXX dollars im my account They took about XXXX dollars from my checking account but atm said bank shut my card down wouldnt answer phone on hold 2 hours no reason to do this they have done it before out of town and at home never put money back in my account.they keep leading you on 2 months go by its not worth trying to get money back. They give you case number nothing is ever done ... ... ..i have checking account 2 savings accounts XXXX XXXX  and XXXX XXXX  with this bank z

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 2021-03-02
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been struggling to keep up with my payments and had elected for bi-weekly payments to reduce the life of my loan and interest paid over time. After 3 years the principle has not moved much and I just investigated as to why. On XX/XX/21, XXXX ( employee id XXXX ) As it was just explained to me by a mortgage representative ; In a very sneaky and unethical manner, XXXX set up bi-weekly payments to " help '' customers, but does not apply the 1st payment until the second payment is received. I asked why they would even do this, to which I received a reply stating that " its our company policy ''. So they set customers up for bi-weekly payments, but don't apply the payments, thus rendering the entire exercise null and void. It is very deceptive, dis-honest and unethical. It seems that it should be illegal. Upon asking for a supervisor I was placed on hold and then told that I was not permitted to speak to one. Additionally as I asked for company information, ie, management names, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: PA
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 follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX 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 XXXXXX/XX/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 2022-03-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all 3 multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX XXXX XXXXy # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX # 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 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : 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 2019-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Each time I was told something different. I have XXXX hard inquires on my credit that I did not authorize. I have sent in verification along with copies of my report requesting the inquires be verified as valid accounts or removed as I didnt authorize them. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Nelnet is trying to collect from me, however I have no contract with this collection agency and do not owe them anything. 
I have an unverified account from Nelnet. Nelnet can not provide me with any original paper work, signatures or ID copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It appears a medical vendor failed to disclose total amount of charges and failed to contact me directly about sums due. 

Sent to collections without notice to me and collection agent failed to contact me or confirm contact. Collection agent filed negative report on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: AES/PHEAA
State: PA
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:
Good morning Time and time again I have tried to discuss and have someone fix this. I have a student loan by XXXX the department of education which first garnish my payroll at {$40.00} weekly through a rehabilitation program and at the same time I had a separate $ XXXX monthly payment that is automatically paid. Neither those amount were neglected or default but time and time again this company reported me late and on default damaging my credit. Further I have completed my rehabilitation program. As of XX/XX/XXXX due to the pandemic the Care act was placed that states that all student loans should not be reporting negative to the credit bureau. The care act also states about {$0.00} interested and even forbearance to be put in placed. Yet on XXXX XXXX reported me negative decreasing my credit score damaging my chances to qualify for a home that I so much need. This needs to be stopped. I have complied with all the requirements and no one seem to care and continue addressing this matter with careless and rude behavior. My credit shouldn't be mark negativity from the beginning. XXXX has been recieving payments upon agreement. I need someone to seriously look on this matter because this is unacceptable and very dangerous to my credit and is affecting my living possibilities. I do not believe this company have treated me fairly from the start. I need someone to make them address this matter properly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Account status incorrect

Complaint:
XXXXXXXX XXXX  XXXX This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
3 DIFFERENT COLLECT AGENCIES ( XXXX, XXXX XXXX, XXXX, PORTFOLIO RECOVERY ) SENT DEMAND NOTICE FOR PAYMENT OF FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH CLIENT " XXXX XXXX '' ..THE ABOVE COMPANIES CONTINUE TO VIOLATE " FDCPA, FCBA AND FCRA ''

Company response to consumer: Closed with explanation