BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Prior to covid XX/XX/XXXX I was laid off from my job, so I file for unemployment. I wasn't notified from XXXX XXXX XX/XX/XXXX. During XXXX XXXX XX/XX/XXXX, I was hospitalized due to the XXXX XXXX XXXX. During the time I was hospitalized I became a victim of fraud due to Bank of America EDD mailing my documents and benefits card to an unknown address, After submitting documents such as police reports, medical information, and law enforcement agency handling the case contract information, Bank of America EDD still refuses to rembruise the fraudulent charges except {$3000.00} that was approved in XXXX, later Bank of America EDD reversed their decision regarding the approved amount, causing my account to be overdrawn. They are only reversing the fees caused by the fraudulent activity from XXXX and XXXX, not the {$63000.00} that was stolen while I was hospitalized on a XXXX XXXX for four months.

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 2020-03-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian : -Has caused me to be denied a rental and I am fleeing a XXXX   XXXX/XXXX  and discovered that Experian was emailing my information ( based off my social security number ) to an email address that is not related to me or ever has been. 
-Has addresses on my report in which I have never resided. 
-Has reported as still active and delinquent a credit account that was paid off. 
-Has no customer service representative or contact in order to dispute unanticipated credit reports.

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 2018-09-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was placed for collection with this company on XX/XX/2017. I disputed this debt with company on numerous occasions. What was sent to me by this company does not demonstrate proof of it being valid. I requested a original copy of my ssn or Identification and original signatures matching my correct full name. I also requested the method in which was taken to prove that this my account.I am requesting the practices Act section 809 ( b ). I will not submit any information to this company as proposed. If all is valid then they the company should be able to provide full disclosure not some assumed information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
I disputed a Bankruptcy from my consumer report because I notice errors in the public record section. Equifax agreed to the delete the bankruptcy then they reinserted the Bankruptcy to my consumer report. Please see attached document with the violation. 

Here below is the Public Record Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original filing date XX/XX/2022 Latest status date XX/XX/2022 Reference number XXXX Equifax violated ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is reporting the account type as open, while Experian is reporting it as a collection account. Which one is it? Is it open, a collection account, is it charged off or is it not? Why are there so many incomplete fields? Did XXXX XXXX  not supply that information to you? 
Why is the date last active XX/XX/XXXX with XXXX XXXX but XX/XX/XXXX with Experian? 
Which one is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

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 2023-03-06
Company: Phoenix Financial Services LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Phoenix Financial Services stating i owe {$1400.00} XXXXXXXX XXXX XXXX XXXX  to a company named XXXX XXXX XXXX XXXX. I have no business dealings with either of these companies and it seems suspicious and deceptive considering this company has several lawsuits that show the company is a repeat offender when it comes to consumer rights. This company and all subsidiaries Shall cease and desist all communication with me other then to provide me ALL tracking and FULL DISCLOSURES pertaining to the alleged debt BY Certified USPS MAIL. Please provide me the services that were rendered in relation to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax. Two months ago I filed online disputes with all three credit agencies because my student debt had been forgiven by the department of education two years ago, but was still on my credit report, seriously affecting my credit score. Call the Department of Education who said theyd notify all three bureaus.Ive been trying to buy a car and have to finance some of it. Finally found a vehicle and queried my credit scores. Score was fair with all three bureaus due to Equifax showing the debt still active. Their automated system said they had no dispute for me. Credit simulator said that if that debt was not still listed on my report my score would go up 30 pts to good, which has a significant impact on my ability to get a loan at a good interest rate. I could not access my account on Equifax, said forgot password, response was there was no account set up. Tried to set up an account two times, response was an account with my email address already existed. Finally tried to call them and was on hold for 58 minutes until I hung up, two minutes before they were set to close. Theres no way you can contact them by email unless you can access your account. When I called back today I was given the option of having my call returned. I was Told that I had login issues because I wasnt using XXXXXXXX XXXX and that my VPN was enabled. Suggested that if those were the requirements, they should be noted on the login page. Filed my dispute online and was told it could take up to 30 days for them to investigate it, then they would mail a letter to me about it. Its 2022 and theyre communicating critically important information to me by XXXX. Really? Until then, the debt remains on my credit report from Equifax and my score is low. Was told I could not expedite the dispute for any reason. 

Need to take delivery of a car today, but financing is based on my score of fair, which is totally related to Equifax. I will be forced to Take out a loan at a higher interest-rate. It shouldnt be this hard to get login help, Browser and VPN information should be on the login page, and I dont understand why they didnt process the loan forgiveness information from the department of education two months ago. I am extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CCS Financial Services, Inc.
State: OH
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:
XXXX with XXXX XXXX did a XXXX way call with CCS Collections in efforts to remove this {$400.00} that was paid over 6 years ago to get removed from my Credit. My audio cut off but CCS Collections said they would not remove from report. Even XXXX XXXX ( their client ) requested it be removed. Attached is a copy of the audio conversation. Please help me get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried blocking this company but they continue to call all day and from different phone numbers. all day, all weekend and it is stressful. I have blocked about 12 if not more of the phone numbers they call from. ( see below the numbers they continue to call me from ) The caller ID reads Portfolio Recovery. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. So as you can see they call all day everyday for months.I have spoken with someone and have asked them to stop calling my number it is harrassing. Obvisously my request fell upon deaf ears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had previously worked with Loan Depot earlier in the year to refinance my property. In the end I decided to hold off on doing the refi due to the pandemic & economy. On XX/XX/2020 I decided to get quotes again to start the refinance process. Their website prompted me to submit an application and asked me a number of questions about the property as well as other PII data including a section to enter my banking credentials to pull my bank account balance information. Upon completion, I got an email saying that someone would be reaching out. 

On Monday XXXX/XXXX/2020, I received a call and the agent inquired about the number of floors in my condo 's building. When I told the agent it was a high-rise, I was informed that Loan Depot does not provide refinancing services for high-rise buildings. They made me provide my PII, pulled my credit report as well as my XXXX XXXX  account balance info only decline my application due to the buildings height, even though I had answered a question about height of the building during the application process. 

If they no longer provide refi services for high-rise buildings then the application process shouldve immediately halted before pulling my credit and collecting my personal information. After ending the call with the initial agent, I contacted customer service and spoke to a CS agent and was told that there is nothing they can do. If I want to erase the credit report pull, I need to call the credit bureaus on my own and dispute it myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
NOBODY ANSWER THE CONTACT INFORMATION NUMBER. 
NO CLEAR HOW YOU CAN CANCEL A TRANSFER IN PROGRESS. 
INFORMATION ABOUT CANCELING A TRANSFER NOT AVAILABLE IF AVAILABLE NOT CLEAR HOW TO DO IT. 
THEY MAKE IT DIFFICULT TO CONSUMERS HOW TO NAVIGATE TO CANCEL A TRANSFER. 
SENT MY TRANSFER ON XX/XX/2020 THEY PROMISED DELIVERY ON XX/XX/2020 TODAY DATE IS XX/XX/2020 MY TRANSFER STILL IN " PROGRESS " NOBODY TO ANSWER MY PHONE CALLS NO WAY TO CONTACT SOMEONE TO ANSWER ABOUT THIS PROBLEM. 
TRANSFER BEEN ON " PROGRESS '' FOR 5-6 DAYS. 
NO WAY TO CONTACT THEM AT ALL. 
I KNOW THEY COULD DO BETTER! 
ATTLY : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 do not recognize the credit inquiry from XXXX XXXX XX/XX/XXXX  and I have asked for it to be removed but they did not remove it. I am providing an identity theft report attached and I am requesting for it to be removed because it is inaccurate and not mine.

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 2020-03-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, NOR did I authorize these companies to pull my credit. Additionally, there are addresses that are not mine on my credit profile.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

has violated my rights. Or a list of inquiries : 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 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 2020-03-28
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I, and I believe others, have been trying to get guidance from American Education Services, aes.Success.org, about interest rates and loan terms during this COVID-19 crisis. Per orders from the Department of Education and given recent legislation, interest should have stopped accruing on my loans. But this hasn't happened and AES hasn't provided any new guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 


-- XXXX XXXX 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: RI
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:
inaccurate accounts were found on my most recent reports which i contacted each creditor and i have not yet received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold and servicing transferred and they are not honoring on the terms of the loan. They instituted foreclosure proceedings, then told me they would stop the foreclosure and modify my loan if I made three 'trial period ' payments, which I did ; However they did n't cancel the Trustee 's Sale, they merely postponed it until XXXX, and sent me a loan 'modification ' which is not a modification at all- it is a completely different loan. They said I should call my Dedicated Loan Specialist if I have questions, but I have called and emailed her every day for 8 days now and she will not return my call. If I do not accept this new loan by XXXX my home will be sold at Trustee 's Sale on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: SYNCHRONY FINANCIAL
State: GA
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:
Before and after closing this account in XX/XX/XXXX, Paypal Mastercard c/o Syncrony Bank added late charges and interest to the payments which made it impossible to make minimum payments. My spouse lost his job XX/XX/XXXX and I continued to make minimum payments but Syncrony reported that no payments were made. I made arrangement with Syncrony in XX/XX/XXXX of {$140.00} XX/XX/XXXX and {$47.00} for 5 months thereafter to be automatically withdrawn from my bank checking account each month. On XX/XX/XXXX, {$140.00} was withdrawn from my checking account, yet Syncrony Bank reported that it was a missed payment to the three credit bureaus. This is fraudulent and predatory lending by Syncrony as they are the account holders of a few of our other accounts where payments have not been reported accurately.

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