BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to the company requesting to settle and do a pay to delete. They responded declining the settlement offer. Several months later I logged into there portal and selected one of the TWO payment options listed. I selected payment option one and made payment. Well they processed my payment however they reported to the credit bureaus that I had a remaining balance of {$43.00}. I immediately sent an email advising that I settled the debt under there terms which was a 20 % difference & the debt would be considered Paid in full Well bc they did not update accurately I sent an email advising them of the error and was advised that it would be updated to paid. Well on yesterday I received a notification of a NEW COLLECTION ACCOUNT with Amsher, this is incorrect, I then sent and email on yesterday right after I received the notification requesting the account to be deleted due to there consistent error of updating the account with incorrect information. I received an email on today to advise that the account was updated in other words correctly also in my email that I sent I attached where clearly it says NEW ACCOUNT. Now on today I received another notification of a New Collection Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: BB&T CORPORATION
State: FL
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:
BB & T bank stole money from me on two occasions. They classified the unauthorized withdrawals as a payment reversal. I have sent numerous emails requesting what the payment reversal was for. I have called them no less than 100 times and they will not take or return my calls. I finally went to the bank in person, and they said they can not talk with me. I have all the supporting evidence including all my emails and banks statements.

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 2023-10-15
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sometime in late XX/XX/2023, I received letters from Aidvantage telling me my autopay would still work and that my new monthly payment would be {$420.00}. The issue I had was that my minimum payment was {$320.00}. 

On XX/XX/2023 I waited on hold for an hour before reaching a customer service rep. I told him the situation and he told me there was nothing he could do on his end and the best bet would be to cancel the auto pay, and redo it and hope that would fix the amount paid to the amount owed without the overpay. I asked him specifically if there was enough time between XX/XX/2023 and XX/XX/2023 the day my first loan was due. He assured me it would be fine. So I cancelled the autopay, and resubmitted the autopay ( Emails attached showing this was done ). 

Today on XX/XX/2023 I log in to see that I've missed a payment, that my autopay did nothing, and now when I try to autopay it has the amount due as {$420.00} not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: SC
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:
Theyre stating they have written more off on the account than whats actually settled Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2600.00} Highest balance {$1700.00} Terms NA On record until XX/XX/XXXXXXXX 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 2021-07-02
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Ive a dispute letter to XXXX and XXXX on XX/XX/XXXX and followed up with a second letter that was sent on XX/XX/XXXX. I have not a response nor receive a response by mail. The late payment for Best Buy, XXXX and XXXX XXXX needs to be removed immediately since its been 30 days and also reporting different date for late payment.

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 2023-10-02
Company: EQUIFAX, INC.
State: TX
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I recently found out my information was impacted by the XXXX data breach and now more than ever I feel my information has fallen into the wrong hands. I research the proper way to dispute these inaccurate and misleading items and now over 45 days I received no response. I feel like Im on a hamster wheel going around in circles regarding these inaccurate items. I also researched it is against the law to continue to report inaccuracies especially when they have not been validated. Please assist in removing these items immediately. Thank you

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 2021-04-30
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 -XX/XX/2021 For the past 24 hours I cant access to my account ( online, debit card ) for no reasons. 
I dont have money for my daily activities. 
PNC Bank is holding my account and I have to pay my bills which are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Closed consumer Truist business account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-12
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are trying to get a partial land release from chase bank we sent them payment and appraisal fees 3 months ago, we have missed 3 closing dates and they are very vague in responses to us we cant get anything resolved. We have sent them all they asked for twice and they still want to say we are incomplete yet they wont explain why. This is very frustrating we need to resolve this issue ASAP it has been a great burden to deal with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overcharged for fees XXXX a month and also had mortgage through this settlement

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In 2019 I had my Wells Fargo account they charged me over XXXX or more in fees it hurt me so bad that they close my account I wasnt able to recoup from that

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 2023-04-28
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I discovered that two Chase Quickpay transactions were initiated without my authorization for the amounts of {$1500.00} and {$2000.00} from my checking account. As soon as I saw, I called Chase and they were able to lock my online access to the account. They advised me to close the account and open a new one as well as change my passwords and account username, so I went to their branch and did all that. The banker tried to help me get in contact with the fraud department to see if I could get my money back and what the process would be. I was told that the fraud department would investigate what would happen and in about 10 days they would make a decision.

I called again a week later and found out that they had closed my claim on the XX/XX/XXXX, saying that it looked legitimate because it used to same IP address as 62+ other transactions so they didn't look further into it. I've called them once more after that and returned to the bank, speaking to a different banker, but nothing. They wouldn't open it again without any further proof. So I contacted the person named as the recipient, but because it was using two different emails that go to two different bank accounts, I was only able to get in touch with one. That person said they did not receive any money from me in any amount. The other email bounced back immediately ( a copy for which I've included below ). I'm in the process of filing a police report and I've already put a fraud alert on my accounts with XXXX and I've also filed a complaint with the FTC ( included ).

On top of this, that {$3500.00} was not supposed to be in my checking account. They were divided into two different savings accounts for different purposes and I was not the one who initiated the transfer. In fact, I thought there was a glitch the weekend of the XXXX because one savings account had been XXXX-ed into my checking, moving {$1700.00}. I immediately transferred the money back ( the {$1700.00} ) and that, too, was posted on the statements on the XXXX. However the money that I transferred back into my savings account never went in.

Additionally, I've checked my device history and there are three instances where an unfamiliar device ( XXXX XXXX XXXX ) accessed my account. On my third call with the fraud department, I found out that the XXXX transactions were actually initiated on the XX/XX/XXXX and XX/XX/XXXX and were only posted on the XX/XX/XXXX. This was news to me because I had checked my account on the XX/XX/XXXX and I still had all my money in my savings accounts. There was not {$500.00} in my checking account to transfer, much more {$3500.00}. There had not been {$1700.00} transferred in. And on my device history, the dates the XXXX XXXX XXXX had accessed my account coincided with the dates of the transactions and postings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter dated XX/XX/2021 to Equifax requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  be validated or removed. These items remained on my report after their 30 day investigation. I sent another dispute letter dated XX/XX/2021 to XXXX  requesting verifiable proof of these alleged debts including the original contracts with my signature to show that i am responsible for these alleged debts. As of today, XX/XX/2021, I have not received anything in writing to show I am responsible for these alleged debts. According to the FCRA Section 609, I am entitled to receive the requested information including proof of the debt and how Equifax verified the alleged debts. Because Equifax has not provided the requested information and Equifax continues to report this unverified information, my rights as a consumer are being violated. I am requesting that Equifax provide me with the requested verifiable proof that these alleged debts belong to me or remove the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  from my credit report immediately. Without verifiable proof, any one can send Equifax accounts and say they are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, 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:
I recently applied to a new apartment, and as part of their background. They pulled an address that does not belong to me. 

I recently pulled all 3 of my credit reports, and it is stating an address I never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: Insikt, Inc.
State: IL
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:
On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX  "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dont recognize the company of XXXX XXXX XXXX that claims I owe {$68.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: EQUIFAX, INC.
State: WA
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: Problem getting your free annual credit report

Complaint:
I attempted to obtain my free annual credit report from Equifax via XXXX about a month ago, and although I answered all of the ID verification questions properly the web site rejected my request and directed me to submit my request by phone or mail. I then submitted my request by phone to XXXX on XX/XX/2019. Although the automated system confirmed my request was received, to date I have not received my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Rocket Mortgage, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX was working with Rocket Mortgage on the purchase of a new home. XXXX XXXX ( XXXX, XXXX XXXX ) in Rocket Mortgages closing department reached out on XX/XX/XXXX  letting me know he would be handling our closing paperwork and making sure we were clear to close. This appears ligament. Once we were clear to close ; closing was handed off to Rocket Mortgages closing department with XXXX XXXX XXXX XXXX, XXXX XXXX ). The last correspondence with XXXX XXXX was on XX/XX/. 

On Monday XX/XX/, I received and email from what appeared to be XXXX XXXX but I unfortunately did not catch the incorrect email nor change in phone numbers in the email. This person who I will refer to as XXXX for XXXX XXXX XXXX ( XXXX, XXXX XXXX ) posed as XXXX knowing my closing was coming up this week on XX/XX/XXXX   and requested that I do a Wire Transfer on Monday XX/XX/2023 ASAP so the fund would be at the title company XXXX XXXX XXXX XXXX for when we signed our closing paperwork today, Thursday XX/XX/2023. 
I did not get to XXXX XXXX XXXX, XXXX, Ohio office until right before XXXXXXXX XXXX. We setup the wire transfer to occur Tuesday XX/XX/2023 morning. XXXX XXXX XXXX  processed the transfer around XXXXXXXX XXXX on Tuesday XX/XX/2023. We even email the real XXXX XXXX at Rocket Mortgage that the wire transfer was in flight and monitor for it which he acknowledged. 

On Thursday XX/XX/2023 at XXXX XXXX XXXX XXXX, signing the closing paper work it was mentioned about the wire transfer and we let them that it happened on Tuesday XX/XX/2023. The XXXX XXXX XXXX went looking for the funds and it was not received. Then upon investigation we discovered that we had been fraudulent financially scammed out of down payment. 

We have all the email to back this up. I appears that Rocket Mortgages email system has been hacked. Why do I say that. I have emails from XXXX XXXX and XXXX XXXX where they stated that they were having email issues and emails were not received. When the emails were resent then they were received on the second try. This is likely where the Hacker intercepted ( my suspicion ) these emails. Also the email received from XXXX on Monday had many details that would otherwise not have been know and XXXX did a very good job of making this look like a valid and real wire transfer. 

Please contact me at XXXX for with any questions, details and documentation. 

At this point as of XXXXXXXX XXXX XXXXXXXX on Thursday XX/XX/2023 we are without the funds from the wire transfer. 

Amount of the wire transfer was $ XXXX dollars.

Company response to consumer: Closed with explanation