BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
Company: Waypoint Resource Group, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I pulled my consumer credit report and notice that this debt collector is reporting inaccurate information on my report. Never have I ever done any business with Waypoint Resource Group or gave them permission to contact me concerning this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My email got hacked and my SSN was stolen on XX/XX/23. The identity thief set up an experian account in my name. I was able to lock my credit with the other 2 credit bureaus, but when I tried to create an account with experian, it said an account already existed with my SSN. I realized they set it up while they had access to my email, so that I wouldnt be able to lock my credit. I tried to reset the password, but it asked me 2 security questions. Since the thief set up the account, I obviously couldnt answer them. I called customer support and the best they could offer was a 72 hour lock on my account. They said to call back, but I have been unable to get through to a real person. This has allowed the person to open credit cards in my name. I even got an email telling me how easy it is to give XXXX XXXX the identity thief expanded permissions on the card he opened in my name, as he added himself as an authorized user. I am including a screenshot of the experian account creation email and the email from XXXX XXXX I just want to be able to get control of the account or get it shut down so I can create one. I am more than happy to provide whatever proof of identity is required to prove I am who I say I am.

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 2017-03-09
Company: ACS Education Services
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have had a student loan with ACS for years and I have always applied for a deferment or forbearance every year. I applied for one in XX/XX/XXXX because I am unemployed and receive government assistance I recently found out that the deferment/forbearance was not completed by ACS and that my loan has been in default since XX/XX/XXXX. I have called ACS several times for approximately 4 to 5 months trying to get help with this matter first I could n't verify what address they have on file and was told that they could not help me if I could n't verify it. I finally spoke to someone who told me that the last deferment was in XX/XX/XXXX I told her that was not correct that I called in XX/XX/XXXX to verify that they had got the paperwork was told that it was being processed. Evidently it was never processed. I was told to contact XXXX I have contacted them and was told by them that they have nothing to do with my loan being deferred that they get it once it is in default. ACS sent my student loan in saying that it was in default when it should not have been in default but in deferment/forbearance all of my loans thru XXXX have been and are currently in forbearance except for the one being serviced by ACS and I have completed a complaint via email several times and has also asked for a supervisor to contact me I submitted another complaint and request for management to contact me again today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 amount XXXX. 
Merchants adjustment services is holding me accountable for a debt I've never heard of XXXX XXXX XXXX, I've disputed this action, but they still accuses me on my XXXX report, but no other credit agency has this on theirs, please remove this fraud of my account, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: WA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Issue : Check cashing policy terms and conditions Facts : As a customer with over $ XXXX in account. I visited Bank of America ( BOA ) branch at XXXX XXXX XXXX XXXX NC XXXXOn Monday XX/XX/2023 I attempted to cash a rewards check from XXXX XXXX approximately {$330.00} drawn on Bank of America XXXX interesting ) I also had a {$10.00} dividend check from XXXX XXXX XXXX The teller indicated she could not cash the XXXX XXXX check. I inquired, why not? The Banks screen indicates you can only deposit. Somewhat baffled and disappointed I asked what is your check cashing policy? I had already been verified and used my debit card for additional verification as my accounts were further checked. This statement and action appeared inconsistent as I have banked here for 7+ years and had over $ XXXX in my checking account. The teller continued to state that her screen indicated deposit only. Moreover, she indicated I needed to call XXXX XXXX or BOA. However, I never received an adequate explanation of possible conditions ( deposit only ) XXXX XXXX confirmed that the check was sent to be cashed, they did not indicate for deposit only. I continued to ask after speaking with XXXX XXXX, What is BOA policy for customers with funds, confirmed ID and drawn on your BOA-bank? 

The failure to cash a properly presented check appeared arbitrary and capricious or BOA has some other unknown policy and inconsistent procedure. 
I deposited the check and went on to withdraw {$350.00} from my account ; however, I was disappointed by the lack of clarity and the disregard for me as a customer, the bank failed to disclose the terms and conditions- if any. 
Conclusion : I would like this incident, check casing policy, investigated as the customer could not cash a properly presented check, used valuable time to understand why not, and believes the impact to possibly other customers can be injurious and may be a UDAAP violation.

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 2017-03-30
Company: CHARLES SCHWAB CORPORATION, THE
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied to get a Checking account with Charles Schwab and to do that I had to open a brokerage account too, which I funded with {$50.00}. What they did n't tell me is that they were gon na do a hard inquiry on my credit and then they declined my account because I 'm young and do n't have much credit history. I could get over that, but they sent me a letter saying that my investment account had been closed as well, and I had already put {$50.00} into that account. Now when I try to transfer my money out it says that account is restricted. I thought it might be a certain waiting period but it 's been more than a few weeks now and I still ca n't get my money. {$50.00} might not seem like much to Charles Schwab, but I 'm a poor college student.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removed the following inquiries completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Since XX/XX/2022 I sent an International transfer of {$4000.00} to XXXX, but the beneficiary never received the money until today, I contacted PNC BANK for a refund twice and wait for XXXX, but they never refund the money to my account, every time I called they told me something different. the first resolution was stated that ; The funds were credited to the recipient on XX/XX/2022, they are unable to be recalled. 
I submitted another recall, but this time the resolution mentioned another date the recipient received the money which was XX/XX/2022. Their resolution is not clear to me, based on the receipt of the transaction, the money will be available on XX/XX/2022, how come it was already credited on XX/XX/2022? and also I remember I was on a phone call with PNC, they told me that the XXXX  XXXX XXXX refunded the money to my account that was not true, they saw that. I requested them to track the money for me but they never send me the tracking result. I wan na know the account number that they say the money was credited to, the name of the person, and the time, and date. 
My question is Where the money is Exactly because it was not credited to the recipient I sent it to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ACCOUNT NAME XXXX XXXX XXXX Account : XXXX AMSHER COLLECTION SERV Account:XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX  has transferred my XXXX XXXX XXXX over to XXXX. Once I consolidated my student Loans, I was told by XXXX XXXXXXXX that the loans that they were reporting on my credit report would be deleted and that the XXXX loan would appear as XXXX large loan. The Individual Loans are still reflecting on all three of my XXXX XXXX, XXXX, Transunion, 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 2023-08-11
Company: EQUIFAX, INC.
State: PA
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 these companies have violated my rights. 
XXXX XXXX Acct # XXXX, from XXXX XXXX XXXX Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I notice Fraudulent accounts being reported on my credit file and according to the FCRA 15 USC 1681 it is illegal to report inaccurate information, I am a victim of identity theft and did not make them charges please delete the accounts that's attached to the affidavit immediately. I have reported the theft of my identity to the FTC and my State Attorney general office. please delete the accounts as soon as possible to correct my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been having problems with Chime for over 3 years. I recently, XX/XX/22, requested to close my account after dealing with them about identification verification issues for the months of XXXX and XXXX. After getting my permit, I was still unable to successfully prove who I am due to the fact that I got a REAL Permit. All in all, my refund check of ~ {$130.00} was sent to a different address because of all of this. I am no longer caring about the refund check, all I want to do is let people know about Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion continues to report information on my report that does not belong to me. Please delete this information as soon as possible and send me an updated report. 

MY ONLY CORRECT ADDRESS IS : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX MY ONLY NAME IS : XXXX XXXX XXXX MY ONLY PHONE NUMBER IS XXXX THIS IS INCORRECT PLEASE REMOVE FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone Numbers ( XXXX ) XXXX Phone Number ( 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 2017-03-15
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient did not release my cosigner due to difficulty successfully securing my payment, even though the money was in the account and they had difficulty due to the bank marking their withdrawal as fraudulant. I was living in XXXX and they never provided a reliable way to pay my loans with my XXXX XXXX XXXX, even though the bank card was a registered Mastercard and separately a registered Visa Debit card linked to a very well known bank. 

Years later, after paying at 12.5 percent interest, they offered to settle the loan if I paid them XXXX in a lump sum. They told me that they would accept the XXXX, apply it to the principle balance, and I would be able to pay XXXX a month for the rest of my life or to fulfillment of the loan. I paid the lump sum and set up automatic reoccurring payments to fulfill the 3 month on-time payment rule to apply the XXXX to the principle and initialize the XXXX dollar a month payment. I continued at XXXX per month for two years and when I finally checked my loan balance, the loan was XXXX higher than when I paid the XXXX 2 years prior. 
I contacted Navient, they told me that they had difficulty securing my third payment of the 3 on time payments, thus it cancelled the contract. The XXXX vanished due to interest and a reoccurrence of XXXX a month for two years when the payment at XXXX was needed to suffice 12.5 percent interest. 
I 've stopped paying the loan 2 years ago because I simply can not pay XXXX to navient a month, plus another XXXX to XXXX per month. I 'm now paying XXXX a month to Navient to try and pay one of my XXXX private loans. They harass me constantly and say its due diligence. I 've asked for my XXXX back since they did not apply it to the loan and did not honor their contract ( which I 've expressly asked for IN WRITING, they never emailed it to me of course ). 

Please help me, they are ruining my life and I can not pay my student loans.

Company response to consumer: Closed with explanation