BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I withdrew {$100000.00} from my American Express Savings Account, which was debited from the account on XX/XX/23. I was supposed to receive the money by bank check. On XX/XX/XXXX, when I still had not received the check, I called the bank, was put on hold for a long time and was eventually told to give it a few more days. The person I spoke to could not tell me when the check was issued, when it was mailed, and whether it had been cashed. On XX/XX/XXXX, when the check still had not arrived, I called the bank again and was put on hold for over three hours while the customer service representative tried to reach someone at the bank who might be able to help. Eventually, we decided that I would fax her a stop payment order, which I did the evening of XX/XX/XXXX. On XX/XX/XXXX, I called back and was disconnected after 30 minutes. I called back again and they confirmed that the bank check had not been cashed. They also confirmed that they had received the stop payment order but it was in a queue waiting to be processed. I requested that they credit me with the lost interest on the {$100000.00} and they refused to do so. I asked to speak to a supervisor during this call, and after being placed on hold for a very long time, was told a supervisor would call me back. That has not happened. It is now more than a month since the {$100000.00} was taken out of the account and despite the fact that they've had the stop payment form since XX/XX/XXXX, the money has not been put back into the account. A second problem I encountered with Am Ex is that during the XX/XX/XXXX phone call, I instructed the bank to wire {$100000.00} to another bank. They took all the information yet the wire transfer never happened. When I inquired about this during my XX/XX/XXXX call, they said I had cancelled the wire request which is absolutely not true. At least that money was not taken out of the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: GA
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:
by the Credit reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I think the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. If the Credit Bureaus can not correct the disputed items on my Credit Report, I would highly appreciate it they woud remove the dispute accounts cmpltely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: FC HoldCo LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Date XXXX XXXX Interest rate 20.23 % Fiance charges {$18000.00} Amount financed {$25000.00} Total of payments {$43000.00} Down payment {$1000.00} ( illegal when theres a loan transaction ) company participate in Truth in Lending. State law code 15 USC 1662b Total price charged {$44000.00} Total payments 72 months @ {$600.00} Document/service fee {$420.00} Automotive XXXX XXXX hazard fee {$890.00} ( when I told the dealer I did not want this fee I was told it was mandatory ). 

XXXX Sec plus maintance fee ( don't know what this is ) {$590.00} Other charges and amounts paid to others on my behalf ( oh my god ) {$1900.00} XXXX financed {$25000.00} Financed charges {$18000.00} Total charges {$43000.00} I expressed my concerns about most of the bogus fees to the dealer, was told it was mandatory. 

I want this dealership to know that this type of business isn't good for their business to operate this way. I would like any and all funds refunded to me that was/is part of this illegal practice. I look forward to your response CFPB. 

I purchased this vehicle from XXXX XXXX in XXXX Mississippi.

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 2022-11-19
Company: First Advantage LNS Inc.
State: TX
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:
National Credit Audit is reporting false information to my credit report for XXXX XXXX since XX/XX/2017 for XXXX, XXXX and XXXX XXXX is reporting XXXX for XXXX XXXX XXXX. 

Both companies have failed to remove these items off my credit although I provided proof of identity theft police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: MN
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
by the Credit reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I think the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. If the Credit Bureaus can not correct the disputed items on my Credit Report, I would highly appreciate it they woud remove the dispute accounts cmpltely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-01-07
Company: Experian Information Solutions 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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-10-22
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXXXXXX XXXX XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During the first week of XX/XX/2021, my parents and I have been receiving calls and voice messages from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( that is connected to Navient ) harassing us to force us to pay more for my private student loans, which I have paying for timely every month now for the past three years. They want us to pay a balance due as of XX/XX/2021 in the amount of {$6900.00}, which we can not and would not be able to afford. I have had to deal with the same company before, and I do not wish to talk with them because I do keep up with the full amount due each month for each loan. I am still going to work on getting my loans transferred to another company that will better settle the issue, and I would appreciate that the same aforementioned company not harass us anymore. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 there was XXXX taken out approximately at XXXX. I explained to Bank of America that it was not me being that I was at home sleeping and pregnant and that no one else has access to my card. I usually have my husband or I go with to a certain Bank of America near my home to withdraw my money. On this particular day I had my husband go in the afternoon of XX/XX/2020 he tried a couple times and it didnt seem right so he notified me I then checked my account it said it was already withdrawn at a XXXX XXXX on the other side of the city. I then filed a claim with Bank of America and filed a police report only to find out they closed the claim 2 days later. I then called to have claim opened back up which they did and I ended up speaking with someone else that told me there is not much there going to do about it and that the money missing would be my responsibility. So while I waited a week I called and they told me claim is still pending only to find out the next day I cant login to my unemployment debit card so I called and they said account is closed to contact Unemployment. Ive called a couple times on XX/XX/2020 and I believe XX/XX/2020 I also called on XX/XX/2020 and XX/XX/2020.

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 2023-07-13
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Many years ago, I received the letter from Malin and associates. They were trying to collect a debt from me I had no idea who they were and basically I ignore them. They did start calling me and I told him I had no idea what the debt was about. At the time that they were calling me I was going through a divorce. My social security number was stolen at the time, I could not make any valid accusations but I kind of knew who did it. My ex-husband was living with someone at the time and he had all of our paperwork in his apartment and I think the person he was living with got hold of my social security number. Anyway, sometime last year, a bank account that belongs to my son was garnished because of this loan that I never applied for. I went to the police, I filed a report, I had the money returned and I saw this loan was on my credit report. But on my credit report, it says it was written off and it was no longer affecting my credit. I called this company and I told him everything that was going on I told him I went to the police. The whole thing was done as far as I knew. And now today I just received a letter from them again saying that my fraud case was invalid and I owe them the money and now they're adding interest. I don't want to go through these issues with this company again. I did not take a loan out, I was in the middle of a divorce, I did not take any loans from anywhere. And also the name that is on the letter that I received is not even my legal name. My legal name, which I have always used is what I am giving you today. Even when I was married, I did not change my name legally. My name on my driver 's license, social security card, and my tax returns etc everything else has always been the name that you see here that I am giving you. This company keeps harassing me And I really don't want to go through any more problems with them anymore. I think they said that this loan was from 2014? I can't even get a straight answer from them, I've asked them multiple times to show me proof that they have that I took a loan out. They have yet to do that. They just are very rude on the phone whenever I call, and they never give me any answers. I really don't want to call them anymore because it just causes more problems. I have never taken a personal loan out in my life. The only loans I have ever taken out were for my cars which were through actual car dealerships and I took a small student loan out for my son. I really need some help with this because I am a single mother and I'm trying to put my kids through college and I really don't need the stress from this company because they already messed around with one of my bank accounts once. Please help me and need to get these people to just leave me alone

Company response to consumer: Closed with explanation