BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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, XXXX XXXX ( the consumer, not a third party ), demand that Experian cease and desist from reporting these inaccurate accounts. Unless Experian can produce evidence point by point, sworn under penalty of perjury, signed by 2 witnesses, and notarized they are ignoring FDCPA. In Experian 's most recent response they state the following, " Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. '' According to Federal Law, the burden of proof is on the credit reporting agency, not the consumer. Experian then goes on to state, " If you question the results of our dispute process, you may also contact the furnisher of information directly. " Please take notice that this is a criminal investigation of the business practices of the above-named organization, its agents, officers, and employees to determine violations of the United States criminal laws. Experians claim of the purported debts appear to be founded upon false records in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 471, 472, 473 and/or 513. Further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of The Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. Further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title U.S.C. 1341 - Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. Remove the accounts.

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 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America closed my account due to fraudulent activity, but before my account officially closed, my Social Security Disability check was direct deposited into it, I was told I had to report fraud on that account for which I did, now they are refusing to refund my Social Security income, first I was told I had to go into one of the banking center for my refund for which I did on XX/XX/XXXX, of this year, the representative in the banking center told me the bank usually send a check there was no reason for me to come in the center, while in her office she called the office they told her I should have my refund before XX/XX/XXXX and she gave me a phone number to call to check on it which is ( XXXX ) XXXX, I call on XX/XX/XXXX for a status and got the runaround, was told I had to go back into a banking center, BTW XXXX XXXX is XXXX a national holiday

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 monetary relief
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: AL
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 have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, Equifax, and XXXX breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: PNC Bank N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
As an original holder in due course I exercise my rights to initiate the consumer credit transaction with PNC BANK. I extended my credit to PNC BANK on XXXX. They ran my credit that I extended to them using my information with zero benefits to my self XXXX XXXX. This is fraud seeing how they benefited from my credit and I was denied a credit card. 
12 CFR part 1002 Equal credit opportunity Act says I can not be discriminated against.

I have been discriminated against and plan to uphold my rights till the extended line of credit is lawful and approved. Not only have I been discriminated against Im dealing with hardship so to this denial.

According to the federal law 15 USC 1602 and 1602 f the credit comes from myself XXXX XXXX. 
I demand that PNC BANK reconsider this action to comply with federal law so that my credit application be approve or I will have no other choice by to take this further action.

Failure to address this dispute properly may lead to further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a new account for my business from citi for an XXXX XXXX card and was given a very low credit limit ( only {$4000.00} ). I called and asked why it was so low and they asked me if I wanted to raise my credit limit. I asked if they would pull my credit again and they said yes. I asked why because they had just pulled it and why they could not use the information from prior and they said that was not there policy. Now on to using this card I made a payment XX/XX/XXXX and they placed a hold until XX/XX/XXXX. I called and emailed numerous times because the payment was debited from my account next business day and they continued to say it was for security purposes to ensure funds went through. I had several vendors I had to pay for my business and luckily they were all very patient but it was stressful and frustrating. 

Because my credit limit is so low as l soon as the hold was removed I made a purchase and paid it off as soon as the hold was removed. This second payment was made XX/XX/XXXX and my credit limit was immediately refreshed. 

I again paid some more of my bills ( a {$4000.00} credit limit for my business is incredibly low and hard to deal with ) and made another payment XX/XX/XXXX. When I went to start paying bills again every transaction was declined. I called asking why my credit limit was refreshed and they said for security reasons yet another hold was placed on the account until XX/XX/XXXX. I can not pay the bills for my business when they hold my money like this. I asked the representative today ( XX/XX/XXXX ) why the hold was in place as the money has already been taken from my checking account and they just say for security purposes. The customer service is atrocious and these unfair business practices are causing me to default on payments for my business ( something I have NEVER done ). Please advise because there has to be some repercussions for citi/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 2021-03-01
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
My mother 's reverse mortgage had come due, and the mortgage company asked me what I wanted to do to settle the debt. I told them and sent them documentation I was selling to a buyer, the buyer needed more time to get bank approval and the mortgage company asked for proof of funds, which was given to them, but they went ahead and foreclosed anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Per XX/XX/XXXX statement Previous Balance {$12000.00} XXXX, XXXX. - {$13000.00} Purchases. + {$1900.00} Cash Advances {$0.00} Balance Transfer XXXX Fees Charged Interest Charged XXXX New Balance XXXX Opening/Closing Date Credit Access Line Available Credit Cash Access Line Available for Cash Past Due Amount Balance over the Credit Access Line Balance Subject To Interest Rate {$5700.00} Interest Charges {$110.00} Payment Activity. @ XXXX Cancel CREDIT CARD ( ... XXXX ) XX/XX/XXXX Completed $ XXXX XX/XX/XXXX Completed {$390.00} XXXX XX/XX/XXXX Completed {$9100.00} XXXX XX/XX/XXXX Completed $ XXXX From N/A ( ... XXXX ) XX/XX/XXXX Completed $ XXXX Credit Card XXXX XXXX internet based on 2 months PREVIOUS BALANCE!!? 

Interest can only be accrued based on amount borrowed and must calculate interest ONLY ON AMOUNT OUTSTANDING. 
Account paid OVER account balance! 
Balance XXXX on XX/XX/XXXX XXXX {$2500.00} XXXX Payment {$13000.00} XXXX Credit card company is charging interest based on the PAST 2 months average!! Of {$5700.00} for XXXX & XXXX average balance. 

This is against Consumer Credit protection act. 

Please advise how to proceed with this matter. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for mortgage in both XXXX and XXXX of 2019. 

Amount requested : {$100000.00} I am a first time home-buyer ; who submitted applications on approximately five different occasions. The stated applications were inadvertently cancelled by the bank, and my final application was denied. This process took over one year and has caused me to lose time, the sale price that I had negotiated for the home that I was interested in purchasing, and two grants that I was approved for.

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 2023-01-08
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights XXXX of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


ACCOUNTS 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 2020-02-17
Company: Experian Information Solutions Inc.
State: MT
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:
We entered into a business lease with with XXXX XXXX XXXX through a broker ( I did not know at the time ) XXXX XXXX for a purchase from XXXX XXXX XXXX for a 10 ' snow pusher and a 2.5 yard salt sander. However, XXXX XXXX XXXX placed the lease under my name personally as well as reported it to the credit bureaus. It was supposed to be under the business name only, XXXX 's XXXX XXXX which the contract reflects. I agreed to be the personal guarantor.

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 2020-01-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
during the day of XX/XX/2019.I create a checking account.with the numbers.and this the only i got.from this bank.account XXXX.i decided to links. through external account.my checking account, that i do have.with, XXXX  XXXX.and also XXXX  XXXX.so the money from this two accounts were sended.through the bank trnsfer procedured.ally bank.still having my money.could almost $ 80.00.but most important.of all this, from XXXX till now callin.bringing.false excuses, lies to me.that the account is closed.not the acccoun is no closed, also saying.we found fraud, my credit is good.paying on time everything i go.credit cards.and bank account in good standing.i summit.my information.to XXXX.and notthing wong with.upset.with this bank.and all they people.ally bank.XXXX, XXXX, pa.XXXX.phone numersXXXX./XXXX.been calling. them from XXXX till now.XXXX.puting me on hold.and half of hour.and after that hanging the call.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: TN
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 attempted to dispute the items below via Eqifax 's dispute site however the page does not successfully load ( see screenshot ). Per the FCRA I have the right to dispute incomplete or inaccurate information. My Equifax credit file # XXXX shows combined/duplicate trade lines for XXXX # XXXX with a past due of {$180.00} and XXXX XXXX # XXXX also with a past due of {$180.00}. Both trade lines show the same address and phone # of XXXX XXXX XXXX XXXX, WI-XXXX ( XXXX ) XXXX. It is clear that the two referenced trade lines are both inaccurate information and per the FCRA must be deleted from my credit report. In addition the XXXX XXXX trade line is outdated and has been removed from my XXXX and XXXX  reports via FCRA guidelines which states " Consumer reporting agencies may not report outdated negative information. '' These trade lines continue to be reported which is a violation of the FCRA. Please delete both trade lines immediately. My passport info included to confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
XX/XX/XXXX, I began the process of my son and his wife assuming the loan/house that I owned. The mortgage is an assumable loan. All paperwork was submitted on time, but it was claimed that it was not received. Paperwork was resubmitted in XX/XX/XXXX, via certified mail to prove it was received on time. Since then, it has been a continuing problem with communication from this company. We have talked to so many different people over the last year who are taking care of this loan assumption, as they keep handing it off. We were told it would take 4-6 months to complete. The last communication I have received was in XX/XX/XXXX, stating they are doing everything they can to facilitate this process quickly. Again, no communication since then. My daughter in law has resubmitted paperwork several times as they have asked for updated bank statements, etc. My son and his wife have great credit scores, so their credit worthiness is not an issue. My credit has been greatly affected by this as it still shows that I have this house and my new house as mortgages that Im paying on. My son and his wife have paid the mortgage for the house in question since XX/XX/XXXX and have provided home insurance and have provided proof that they have been paying the mortgage. It is ridiculous that this is taking over a year to process this assumption. But in the meantime, Mr Cooper has offered to refinance the loan into their names but at a MUCH higher rate, as I had refinanced during Covid and the loan rate is much lower. I believe they do not want to complete the loan assumption because of the low rate that it has and are hoping we will tire of dealing with this and will refinance at higher rate. There is no other reason for this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Told Student loan that I was a XXXX veteran applying for forgiveness and my wages are being garnished a law firm is trying to take me to court and now I cant feed my family durning this national crisis. I need more time. Low income family XXXX children. The law firm told me I had two loans- equaling XXXX XXXX dollars I make XXXX in XXXX  okay. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
There are XXXX unauthorized transactions on my debit card. I was told to call back on Monday because the dispute department is not open on Sunday. 

Doesn't the dispute department need to be available XXXX hours?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filing a complaint with TranUnion XXXX XXXX and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to TransUnion. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to TransUnion stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. TransUnion ignored my response and provided no reasonable method of verification on why they verified this 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 non-monetary relief
Consumer complaint received 2018-02-28
Company: TransferWise Ltd
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used this service many times and had good results. Then one day they cancelled my account, refused to tell me the reason and will not send me my transaction record. I have contacted them many many times and always same answer, that its a secret why they cancelled me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft please remove this fraud inquiry 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 2023-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was transferring my XXXX ( k ) into my Bank of America checking account so I could transfer it into my Merrill Lynch fund on XX/XX/2023. The Manager of the bank approved the deposit and I received a printed receipt stating that {$5300.00} would be available on XX/XX/2023 and the balance would be available on XX/XX/2023. Without letting me know, the bank changed the hold on the ENTIRE balance to XX/XX/XXXX. I had electronic payments going thru on the 21 since my receipt said the money would be there and, of course, all the XXXX bounced. When I talked to a representative of the bank, she said the hold had changed because they weren't sure if they would collect on it. The check again was from Principal, who the representative said was very reliable, but the check was marked " unreliable '' and there is nothing she would do about it. How can the bank possibly give me a printed receipt with the two holds and then change the hold for the ENTIRE balance for an additional date without letting me know. This is very upsetting.

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