BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Checking account with Bank of America was compromised on XX/XX/ and XX/XX/2020. Someone hacked into my account and sent themselves money through " XXXX. '' I did not authorize this transaction for {$3400.00} to be sent to someone I don't know. I filed a claim with Bank of America, and it was denied because supposedly someone had to have authorized the transaction through my phone. They also tried to send themselves money through XXXX, luckily I caught it in time and Bank of America froze my account and stopped that transaction. My money is supposed to be protected through my bank whom I should trust, but I feel violated and angry that my bank is not issuing me back money that was stolen from me. I have also filed a police report to help solve this.

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 2021-03-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have contacted ACE Cash Express several times at the beginning of the pandemic stating that I had a 100 % loss of income and that no payment arrangements will be made until my employment is back up to a manageable level. They refused to work with me. I sent them an email restating the same thing. I'm doing all I can to feed my son during this time while attempting to rebuild an income. I'm 100 % on unemployment right now. No arrangements will be made until income is restored. 

They have repeatedly contacted me regarding this debt after I contacted them to stop the harassment. They have showed up to my dead father 's home in the state of Michigan, six years after his death. They have contacted my brother in the state of Michigan after I told them to stop harassing me. 

They have filed a lawsuit in the state of Texas in XXXX XXXX regarding this. I have contacted the phone number and case number regarding this legal claim and was told I need to deal with Ace Cash Express directly. They were not even able to provide me with a contact and phone number. 

I have contacted ACE Cash Express AGAIN, at their corporate offices and very explicitly and blatantly told them to stop harassing myself and my family we are in the middle of a pandemic and millions including myself are still unemployed. It is unconscionable that this is happening during this time after they have been repeatedly told the situation and to STOP HARASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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 sent multiple letters via certified mail and also sent a dispute on the Experian website to delete someone else address from my credit report. I sent a letter advising that according to : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Under the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting me my rights violates 15 USC 1681 and all its subsections. 

Experian is reporting inaccurate information on my credit report, and I have requested multiple times to remove someone else 's address from my credit report. They continue to say that the address is correct, which I tell them is not. I know that Experian is only going off systems codes to verify information and not looking at their XXXX XXXX database to confirm if any information is accurate on my consumer report. I request that Experian remove XXXX XXXX XXXX, XXXX, TX XXXX, 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 2023-09-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-04-10
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, I received a bill from a company called " Aidvantage '' ( XXXX XXXX XXXX XXXX, TX XXXX ) in the amount of {$96.00}. It stated it was a current amount of " INTEREST DUE '' for an account # XXXX. I have NEVER any type of loan with them! It further stated there was an unpaid principal of {$10000.00}. The bill also has a logo for the US Dept of Education in the top upper right hand corner. Their contact phone number is XXXX. I contacted them on XX/XX/XXXX at XXXX XXXX  and it first asked for my account number or social security information. I entered the account number. Then asked for " customer service. '' The line then dropped the call. 
This bill is absolutely fraudulent. My parents fully paid off my student loan years ago and even when you look at the student.gov website it does verify that my balance is XXXX. 
This company is trying to say I have an outstanding {$10000.00} balance and now is trying to collect {$10000.00} plus interest according to an interest schedule they also provided, thus explaining the first fee of {$96.00}. 
They are requesting my payment be sent to : Aidvantage- Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX OR XXXX I would be happy to provide any other information you need to prove this fraudulent claim. Thank you for your assistance regarding this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: STATE EMPLOYEES CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
The Loan was a Salary at NC State Employees credit union and according to them the loan charged off XXXX XXXX and they sent to collection as charge off XX/XX/2017 and they could not provide any proper documentation of when I paid they told me they scrubbed my account. Only after relocating Georgia I not only did not receive any type of correspondence Banking at new address informing of loan balance was owed. They did not report to three credit agencies for months then started reporting back XXXX. I have repeatedly asked for them to removed due to paying prior to charge off. I have been deployed total and XXXX XXXX XXXX  and divorced since debt and survivor of XXXX. Please have them sent documentation to support their report or removed completely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed a 5 year fully matured XXXX 1 day after the grace period on XXXX My complaints : .Extremely high fees & penalties for only 1 day late on a fully matured XXXX XXXX disclosure that the XXXX would rollover into an extremely low interest that was a fraction of going rates .Bank clerk/manager refused XXXX give me any formal description or itemization of US Bank fees & penalties XXXX XXXX clerk told me ( XXXX senior citizen ) to go on line to get this information.. 

My suspicions : .Their competitive rates are called Specials so that the published terms & conditions can be worded in such a manner so that the customer is led to believe that the automatic rollover rates will be competitive with current rates.. 

. Their business model supports my belief that their excessive, hard to locate & calculate fees/penalties are a tool to make money from their busy customers, whose only misstep was to believe that they were dealing with a fair & reputable bank.. 

In my case ; XXXX day late cost me {$93.00}, more than XXXX of the interest rate, I had rightfully earned on a fully matured CD.. 

I want others to know, & beware of XXXX banks deceptive CD practices, & determine for themselves if this bank is worthy of their patronage.

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 2021-04-14
Company: EQUIFAX, INC.
State: PA
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 have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, Equifax and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, Equifax, XXXX  and XXXX XXXX my last request was mailed 45+ days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 Account # XXXX XXXX XXXXhas 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 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 2023-10-16
Company: Experian Information Solutions Inc.
State: DC
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:
My dad put a car in my name using a loan from XXXX XXXX and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid XXXXXXXX XXXX after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.

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 2023-03-01
Company: SUNRISE CREDIT SERVICES, 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:
I have been trying to fix errors on my credit reports, and the companies have not been helpful. I have inquires that date back XXXX, XXXX XXXX that I have no knowledge of! I have requested help and even reached out to the creditors no help or any updates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also collections on my account the can not validate any information the credit companies XXXX XXXX and XXXX has not helped me with these matters XXXX XXXX XXXX {$2700.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX {$490.00}

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 2023-07-11
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had a Citibank " Citicard '' with a {$200.00} secured credit limit opened the account with them on XX/XX/XXXX. Covid-19 hit and I lost my employment and was un-able to make the payments on the account. Last payment to them was made in XX/XX/XXXX. Now they claim I ran a total up to {$780.00} in charges/fees on a card with a {$200.00} limit, and subtracted my {$200.00} deposit made, which has left me with a suspiciously high amount of {$580.00} due. I contacted Citi multiple times in the last year to try and resolve this matter, and in return asked that they remove the account or atleast send me a verification letter in writing, that they had agreed to the amount of {$280.00} in XXXX of XXXX. Never recieved any letter from them and they proceeded to sell the debt to XXXX XXXX XXXX ( which is directly related to Citi ), in XXXX of XXXX. I called Citi once again asking to negotiate a settlement with them and they sent me to XXXX XXXX, which I came to an agreement on settling for {$200.00}, and in return they would remove the account entirely from my report/or would at minimum report the account with a {$0.00} balance due and satisfied and no longer obligated. I settled with them on XX/XX/XXXX and was finally given an emailed settlement letter on the XXXX of XXXX. They also mailed a physical copy which I recieved on the XXXX of XXXX. I have disputed this multiple times with them and they refuse to honor their part of the settlement agreement and its effecting my score substantially while Im trying to get a mortgage. I have disputed on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They have failed to uphold the agreement and do as they said they would. I have settlement letters and recorded phone calls with them as well.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me XXXX XXXX XXXX XXXX XXXXver XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score XXXX XXXX XXXX XXXX XXXX XXXXs clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-16
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: Information belongs to someone else

Complaint:
I requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Genesis FS Card Services, 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:
This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXX XXXX XXXX and Genesis FS to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I discovered on my credit report that a collection debt was listed under CREDIT COLLECTION SERVICE ( CCS XXXX XXXX XXXX XXXX, XXXX, MA XXXX ) for the amount {$300.00}. I never received written or electronic debt notice informing me of the debt and why I now have this debt. I only discovered the collection account once I viewed my credit report. I was never told by CCS that I have 30 days to dispute the debt. Once the debt was discovered, I informed CCS that the debt did not belong to me and disputed the account on XX/XX/XXXX. I was told once the debt was paid it would be removed from reporting. During that time, I requested validation of the debt and still have not received that validation as of XX/XX/XXXX. 

I kindly request that the debt and collection account be permanently removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPARTMENT OF EDUXXXXBalance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXXDate Opened XXXX XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation