BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking and savings account with Bank of America. I recently purchased a car and had to transfer funds to my checking account. Being I passed the limit of transfers they charged me a fee of XXXX. Plus XXXX in withdrawal fees. I called the bank and asked if they could credit my account back the fees. I explained it was my money and I didnt think it was fair to charge a fee. The individual refused to credit my account. Explained the charges were correct. I know if I had a substantial amount of cash in their bank it wouldnt have been a problem. I want my feed back.

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 2023-09-27
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
XXXX XXXX double registered my mortgage so it appears that there is XXXX mortgages when there is XXXX. Nobody at this bank is able to to give answers as to how this can be corrected so that we can close a sale on this property. 

My team has made a dozen contacts in the last two weeks and every member of this bank either pretends to be clueless, doesn't speak XXXX or has a non-working phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I never gave XXXX XXXX XXXX permission to access my credit report. I called Transunion and sent in a letter and Transunion have not removed this inquiry off 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 2023-01-10
Company: Experian Information Solutions 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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2023-09-27
Company: Mortgage Research Center, LLC
State: FL
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:
I was a victims of identity theft from the T-Mobile data breach and my social security number and other personal information was leaked. I do no recognize this inquiry on my report and am requesting that it be removed from all three reporting agencies. My credit was in the XXXX at that time and would not have been applying for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE 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 explanation
Consumer complaint received 2022-05-19
Company: AES/PHEAA
State: MS
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 was mistakenly lead to believe that my XXXX loans would qualify for forgiveness under XXXX However, my loans were a spousal consolidation from back in XXXX  and apparently does not qualify. Basically, I was told that my 21 years of XXXX XXXX  does not count because of my great sin of being married while repaying a student loan. This is a great injustice. It is discrimination against being married. These loans were consolidated in good faith with the Department of Education. My XXXX XXXX should count towards the XXXX program. They no longer allow spousal consolidation, but they should fix this ASAP and honor the few of us that are being screwed over by this. What a disservice to public service!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Tromberg, Morris & Poulin, PLLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Tromberg, Morris, & Poulin PLLC sent me a letter to try to collect a debt that I owe " XXXX XXXX XXXX, XXXX '' on behalf of XXXX XXXX account number ending in XXXX. I do not have a credit card ending in this number with XXXXXXXX XXXX. I do not have any active accounts with XXXX XXXX  I called XXXXXXXX XXXX and they confirmed this as well. Tromberg, Morris, & Poulin PLLC sent me a letter that " You are being Sued '' with a docket No. for the XXXX XXXX XXXX XXXX in New Jersey. 

I called XXXX and also confirmed that this synchrony bank account does not exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-05-02
Company: Experian Information Solutions Inc.
State: NV
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 confidentially under 15 USC 1681. 

ACC NAME : XXXX XXXX  # XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten 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 consmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Credit inquiries on your report that you don't recognize

Complaint:
EQUIFAX are reporting fraudulent inquiries in my credit file. 
These creditors and companies has violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies. 
EQUIFAX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: PR
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2021-10-16
Company: ClearOne Advantage, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I was contacted by a company named ClearOne Advantage to consolidate my credit card debt. They apparently got my contact information from me browsing the internet to find help. I was able to make my monthly payments on my credit cards, but just barely. I wasn't making any headway. ClearOne Advantage sent me a text about their services. When I contacted them, they said they could get rid of my debt in approximately 5 years. Unfortunately, I agreed to do their program. I started it on XX/XX/2021. They told me to stop paying on my credit cards and student loans, take off my contact information and add their phone number to my accounts. They said they would contact them to let them know I was in the program so they would not " hassle '' me for payments. I stopped paying my monthly payments. I did continue to get collection phone calls from my creditors, and I would be upset about the collection calls. So I called ClearOne Advantage to see what was going on. They just continued to tell me not to make payments to my creditors because the program would not work if I did. After 3 months, ClearOne Advantage said they settled with one of my creditors, XXXX XXXX. A person from ClearOne Advantage, who I could barely understand called to explain the settlement. I did not trust the settlement, so I called XXXX XXXX. They said they had not settled any agreement with anyone and I still had the same balance due. Although with a lot more interest and late fees because I had a delinquent account. When I called ClearOne Advantage back, they said I owed {$4600.00} for their services! I told them XXXX XXXX stated to me they had not settled with any program, so I was not going to pay the fee. I did not trust this company, so I canceled my enrollment. 

Due to enrolling in a program with ClearOne Advantage my credit score is absolutely terrible now, I have had many accounts closed due to a low credit score and I am still in the same boat as far as credit card debt. They charge an exorbitant amount of fees and absolutely destroy your credit. They should not be in business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11
Company: STERLING JEWELERS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have got accepted for a Kay jewelry account on XX/XX/XXXX they sent me a email stated if I dont receive my membership information within 10 days to call well I did and the first customer service rep told me I had to wait until the XXXX I told her no someone used my card that I didnt receive it can she block my card and and do a fraud claim so she did so I called back on XX/XX/XXXX to see what is going on now they stated that I have to pay for the chargers {$250.00} that I did not do and these happen in XXXX somewhere i live in XXXX nj I dont drive or have a license and that I will get a late fees on all 3 of my credit report that seem so unfair that should be put on hold until they are done with the investigation I never heard of this in my life its a new account who in they right mind will spend the whole amount and the card was already activated and that shouldnt never happened period I should be allowed to activate my own card thats attached to my cellphone number that is listed if I knew this type of card does that I wouldnt never applied I have paid all my account in full never missed a payment now this card going to mess me all up and Im XXXX I wonder will they do this to a XXXX  person!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Reported to the company on XX/XX/XXXX that the charges made were fraudulent, but they are still holding me responsible. Im going to file a police report as well as talk to a lawyer about this case. 

These charges were made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-22
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX, account XXXX XX/XX/XXXX I received a notification from XXXX that my account was reported 30 days late and charged off delinquent. I have never missed a payment my most recent payment was on its due date XX/XX/XXXX in the amount of {$30.00}. I have tried contacting the company numerous times and in result I've been told to contact the credit bureau or the reps would just end the call with no further information. 

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 Section 1026.10 ( a ) does not require the creditor to post the payment to the consumer 's account on a particular date ; the creditor is only required to credit the payment as of the date of receipt. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX  Account # XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account : # XXXX Amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX i was contactacted by XXXX XXXX about two accounts i had in collections. XXXX with XXXX XXXX about taking care of the accounts. He told me he had a settlement offer for me. I said i didnt want to take a settlement if they were going to report to the credit Bureau that i paid less than the full balance. He told me if i set up payments and made all the payments on time he would report to the credit Bureau i paid balance in full. All payments were made on time and I fulfilled my end of the agreement. XXXX XXXX has now reported to the credit Bureau that i settled for less than the full balance. I contacted them on XX/XX/XXXX and ended up speaking with operations manager XXXX XXXX, who told me that i made a settlement and that their representative had miss spoke about the agreement that was made. XXXX refused to listen to the conversation that we had and repeatedly told me i was wrong. She stated multiple times that the representative had not worded the conversation properly and refused to help me. I specifically told XXXX that i didnt want to do a settlement if they would report that i paid less than the full balance. He assured me that he would report i paid in full. He talked me into taking the deal by misleading me in their end of the agreement. Exactly what he told me wouldnt happen did. XXXX XXXX refuses to live up to the agreement made and now refuses to help resolve the situation.

Company response to consumer: Closed with explanation