BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In the 1920 's my great grand father established a trust for his XXXX granddaughters at a bank that no longer exists. Through a series of mergers the account has ended up at BNY Mellon Wealth Management XXXX, PA. 

The original trust was invested in stocks. Since the trust has been managed by Mellon Wealth they have put 100 % of the assets in Mellon affiliated accounts with the majority having higher than average fees and lower than average results based on XXXX XXXX. I even went so far as to run a report investing in 5* funds comparing them to their rates of return. 

They also sell the funds and buy new funds frequently churning the account for fees and the fee funds are higher than normal. 

Each year I complain that I want the money invested outside of the Mellon affiliated funds as I believe it is a conflict of interest. I've asked to be given some kind of control over when funds are bought and sold and what funds are bought and sold. I've asked that my portion of the trust be paid out since my mother has died. All rejected with one excuse over the other and nothing ever happens. I was hoping this agency that provides bank oversight could help stop this ripping off of the trust.

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 2023-10-29
Company: JPMORGAN CHASE & CO.
State: TX
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 have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is JPMCB CARD with account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$1200.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have this fraudulent JPMCB CARD credit card Account number XXXX removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both JPMCB CARD and XXXX have been unwilling to remove it from my credit history. This fraudulent account is negatively impacting my credit score. This incident occurred as a result of my car being stolen with my personal documentation in it, which led to identity theft. 

Remove this account from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This company is absolutely lying. I have several pieces of proof that I have complied. In fact their own agent has confirmed that indeed he was here several months ago and collected my signed document which his company photographs and sends to them. He recalled vividly that the same thing happened last year and the year before. When he was here I showed him proof of me taking pictures of the documents when I was at the post office. But I agreed to sign again. Sure enough, he was just at my door again on XXXX XXXX fo the same thing again. He recalled again that he was here. This has been going on yearly. I received four such documents with the threat of foreclosing my home. I intend to file criminal harassment charges against them It is beyond cruel that I must receive these constant threats. I have been advised by my local police department that since I have substantial proof that I have been enduring this yearly and actually have this gentleman showing up at my door fo the same this constitutes harassment. I am still being verbally abused by their callers. 

THIS MATTER SHOULD BE MARKED AS CLOSED. WHERE IS THE PROTECTION FROM THIS ROGUE BULLY COMPANY HARASSING ME AND OTHERS? I WILL AT A LATER TIME PROVIDE PROOF THAT THIS IS COMMON PRACTICE FOR PHH

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: MOHELA
State: MI
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 submitted my PSLF information a few months ago, along with my application to actually have my loans forgiven, and the decision has been held up due to clerical errors on the part of the lenders ( currently MOHELA as well as the former provider ). My employer of the last 9 years has been incorrectly named in their files and the issue is causing my employment to not count for certification. I am a XXXX XXXX in a XXXX XXXX XXXX, and am in my XXXX year at the XXXX XXXX. I was in other schools previous to this one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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 disputed a few items that I had in my collections and I saw several inaccuracies. So I sent the credit bureaus letters for them to delete the incorrect information from my credit report. They opened an investigation and determined that everything is accurate and they changed the last date of activity to a further date which extends the statute of limitation time clock. So now I'm even worse off than before and I've been attempting to dispute for this same reason, but they open the investigation and continue to do the same thing. To the point that I literally had nowhere to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Williams & Fudge, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 I received an Email from XXXX XXXX of Williams & Fudge , Inc . This notified me of a debt from a school I previously attended ( which hadn't explained this debt to me either when I asked about it previously either ), it said if I disputed it or requested validation from their office " in writing '' within 30 days, they would validate and send me something verifying the debt. I responded to the email the same day and asked for them to show me where the debt came from, as I don't understand how I owed the school or now this debt collector since I was told my loans were covering my school costs in total. 

The office has yet to respond to my email, I sent another email XX/XX/2021 when a collections was reported on my credit report, to ask where my " copy of judgment '' was that they said they'd send if I requested validation. I read online that I have a right to recieve documentation/documents that validate my debts within 30 days of requesting it. Haven't gotten it, and I want this debt written off since this company is violating my rights as a consumer. I dont know how to approach the company about this, as I figure they wouldn't be interested in admitting errors and writing away my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: MA
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.

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 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 2023-07-11
Company: AppFolio, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
AppFolio processes my monthly rent payment for my landlord. AppFolio informed me via email on XX/XX/23 that they will begin to illegally charge me a {$2.00} fee on XX/XX/23 to process ACH " eCheck '' rent payments, even though it costs them nothing to process such payments. 

My lease states that eCheck payments are not subject to any processing fee, which is why I pay my rent this way. My lease provides no other way to pay my rent without a fee. Tenant rights mandate a way to pay my rent without a fee, so AppFolio has broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: MOHELA
State: NJ
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 am on PSLF and IDR. From XX/XX/XXXX until now I have been on COVID forebearance. I have not recertified my income since forebearance since I am not required to do so until XX/XX/XXXX. My last payment in XX/XX/XXXX was {$99.00}. Given that no interest has accrued and I have not recertified my income, my payment -- according to Federal Aid -- should be exactly the same, {$99.00}. However, MOHELA, my loan servicer, has it listed as {$170.00} starting in XXXX. I have messaged them and provided proof ( attached - bank statement showing XX/XX/XXXX payment amount ), and even filed a complaint with the ombudsman, but the payment has not been adjusted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Investigation took more than 30 days

Complaint:
XXXX XXXX 1 ) reported my account as late unlawful 2 ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}?

3 ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called XXXX XXXX dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by XXXX XXXX that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within 30 days of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as 30 days late by XXXX XXXX because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that 1 ) my due date would be adjusted and 2 ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note XXXX XXXX confirmed that they do not report to the bureau for late fees. Also, phone conversations with XXXX XXXX note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with XXXX XXXX XXXX off I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request twice. They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 noticed a few accounts on my report I do not recognize

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 2019-05-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Us bank can not tell me account no. Said purged a count. XXXX calling 5 weeks several times a day. They refuse to do research. Supposed to keep for 7 years. XXXX said they purged account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: AMERICAN INTERNET MORTGAGE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AIMLOAN is over charging our escrow account by double the amount of property taxes owed. I have tried to resolve this issue twice with them including an email on XX/XX/2023. AIMLOAN has our property taxes as being {$9700.00} ANNUALLY collected twice yearly as two payments of {$4800.00} in XXXX and {$4800.00} in XXXX. Our ACTUAL TAXES from our county Treasurer - they are {$4500.00} ANNUALLY collected as two payments of {$2200.00} in XXXX and {$2300.00} in XXXX. This is a discrepancy of you OVER COLLECTION {$5200.00} ANNUALLY in our escrow account. They are refusing to acknowledge this issue or adjust out escrow amount down despite over charing us $ XXXX MONTHLY. Attached is the proof of the issue from AIMLOAN and our County Treasurer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-06-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Below there is a number of inquiries that I did not authorize on my Equifax credit report. I contacted the creditors and they could not provide me with any information to prove I was the individual who applied for these accounts. I requested a signed credit card application and they all stated the accounts was completed online. I have been a victim of identity theft for some years now and I have battled this situation for a long time and now I have seeked legal representation. The companies told me to dispute the inquiries and that is what I am doing. Remove these inquiries immediately! My credit is a priority for me and I do not want any incorrect false fraudulent information on my credit. The inquiries below need to be removed. 

XX/XX/2020 XXXX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/2020 XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, OH XXXX Do not send me a pre-made letter stating these inquiries were verified. I will be requesting a METHOD OF VALIDATION is Equifax send me a pre-made letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to find out how some of this information came to be on my credit report. It is a public record, that should be removed. Experian is whom I have repeated mailed letters to but nothing in regards to this has been done yet. 

Date : XX/XX/2021, XX/XX/2021, XX/XX/2021

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXXXXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX Account XXXX XXXXXXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.Jul 12, 2022 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquired on XX/XX/2021, 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 an 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 2022-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

Company response to consumer: Closed with explanation