BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: PR
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 confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 15 USC 1681 section 602 A States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-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 explanation
Consumer complaint received 2023-12-12
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have 3 mortgage loans being serviced with PNC Mortgage. I also believe I have an impeccable payment history thru the 17 years these loans have been in servicing. For some reason, in XX/XX/XXXX, the payments of each of these mortgages were not credited to the account until XX/XX/XXXX, 1 day past the grace period allowed before a late fee is assessed. The payments were sent electronically on the XXXX to the bank, before the expiration of the grace period. I asked the bank to review and consider crediting the late fees, which total over {$200.00} between the 3 loans. But the representative indicated she could not waive them because ( 1 ) she could not verify they were electronically sent on the XXXX, and ( 2 ) they had previously waived a late fee for in XXXX of XXXX. ( almost 13 years ago ). What bothers me is the fact I know the payments were made thru their electronic servicing system on XX/XX/XXXX and they were unflexible in taking action to recognize it and accept the payments without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates, LLC has filed a court case, without any prior written or verbal notice for a charged off credit card debt with XXXX XXXX. Not only is the debt amount completely inaccurate, they spoke with third parties upon trying to serve papers to my residence, including my neighbor. 

I was not provided any documentation prior to court filing, and had a dispute with the credit card company prior to any action being taken. This was a disputed account with fraud on it that the credit card company refused to take in to account. 

They have filed a court case without any written notice that they were attempting to collect a debt, and have a debt that is already in dispute, and that ultimately the credit card company charged off because of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

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 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: In progress
Consumer complaint received 2023-08-08
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received an email stating my account with MoneyLion had been closed. I made several attempts to contact MoneyLion to resolve. However, all i was told is the account was closed due to unusual activity, the decision was final and i would not be entitled to receive remaining funds. Ive noticed no unusual activity on account, MoneyLion would tell me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-11
Company: JAN (LendUSA) Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I recently closed on a home using American Eagle as my lender. Throughout the process, I encountered many headaches and what I believe to be clear TRID violations. Before making my final decision on what lender to go with I asked American Eagle to confirm what my interest rate and APR would be if I locked the loan at that time. After delayed responses from them, we agreed to lock the loan with an interest rate of 3.125 % and APR of 3.2 % with XXXX points on XX/XX/XXXX ( this is documented through email ). Despite my negative experience with them up to that point I decided to proceed with American Eagle as my lender because I believed with these loan terms and the builder 's incentive to go with them that they were a good deal. 

Unfortunately, when they sent the CD to me before closing they had reneged on our agreed APR of 3.2 %. The CD had an APR of 3.49 %, which is obviously not what we agreed to. When I asked them about this, they refused to honor the APR of 3.2 %. This was shortly before the closing and at that time it was too late to change lenders and close on time. Changing lenders and missing the scheduled closing date would have forced me to incur major extension charges. As I previously mentioned, I agreed to proceed with American Eagle on XX/XX/XXXX due to the APR of 3.2 % we agreed to lock at. Needless to say, Im very upset that they decided to not honor the terms they clearly agreed to. 

In the interest of closing on time and avoiding expensive extension charges, I decided to proceed with American Eagle despite their shameful behavior. Before closing, I informed them that I viewed them not honoring the 3.2 % APR as a breach of a legally binding agreement and that I planned to consult with an attorney and file a complaint with the CFPB after closing.

I happen to work in the mortgage industry and noticed a few other things that I believe to be violations as well. Early in the process of applying with them one of American Eagles representatives ( XXXX XXXX ) discussed and negotiated interest rates with me via phone and email despite telling me earlier that she was not licensed to do so. Also, I believe they ordered the appraisal before I ever signed the intent to proceed. Although, I can not confirm this for sure since I do not recall for certain when or if I signed the intent to proceed and their system doesn't show this information to me. Also, we agreed to lock the loan on Saturday XX/XX/XXXX and they didn't actually lock it until XX/XX/XXXX. Its my understanding that this delay is a violation as well. Also, as previously mentioned, they reneged on the APR we agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2019-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried making a credit card payment from Bank of America utilizing my XXXX checking account. Bank of America is saying the charge was rejected and after calling Bank of America they rejected to remove the {$25.00} return charge fee from the transaction. I then called Bank of America and they said I would need to confirm with XXXX  the transaction and why it was rejected.

I contacted XXXX and was given the following by them : " Thank you for clarifying ; I do not see any declined requests or charges that did not process. If we did not authorize a charge, it would be documented - I do not show any request. '' Bank of America has no right to charge me a fee when my XXXX  checking account has sufficient funds and the pull was not even initiated or recognized by BOA. BOA will not provide a resolution in this matter.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted the creditors for them to remove these accounts. NO COMPLY

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX the XXXX XXXX I learned through my XXXX credit card account monitoring that there was a hard inquiry done on or around XX/XX/ by Bank of America. I called Bank of America on XXXX the XXXX and learned that a fraud was perpetrated on me and someone applied and was approved for an XXXXXXXX XXXX XXXXXXXX. I deny applying for this account and I deny authorizing anyone applying for this account. While Bank of America claims to have blocked the account they have not closed the account as of today. I have talked to multiple fraud representatives at their company. The only information they gave me was that it was an XXXX XXXX. I am requesting Bank of America to remove the hard inquiry and remove any record of this account off of my 3 major credit reports. I also want in writing to myself that the credit inquiry and the account have been removed off of my credit report. I have placed credit freezes at all 3 major credit reporting agencies.

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 2018-11-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX XX/XX/2018 my checking account was frozen and all my funds too, i wasn't able to pay my rent, my insurance, my phone bill and even buy food because i have all my savings in this account and also my military service connected payment for a XXXX XXXX. 
when i contact the bank they said that some body file a claim against me because i received a quick pay transaction for {$300.00} dollars and the sender said that he or she did not authorize this transaction. 
after a couple days i went to the bank branch and they agree to let me withdraw money at the branch with assistance, but i wont have access to my account or use my debit card for 45 days. the reason why i am doing this complaint is that the amount of money for the claim is only {$300.00} dollars and the bank is holding my total balance witch is over {$25000.00}, and my military XXXX payment too. 
this situation is causing me a lot stress and frustration and also the bank did not pay the checks that i use to pay for my daughter uniform causing a {$25.00} dollars fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hi my name isXXXX XXXX. A long story short ... .I have federal and private loans through Navient. They are indicting that I owe almost {$80000.00} in loans!!! They are saying I have 4 loans through them. However, my parents have paid, in full, two of my federal loans and they have confirmation of such. I should only have two more loans through them which both my parents and I are paying. I have had a VERY difficult time trying to set up a payment plan with them so I can actually pay them back and not ruin my credit!!!! Its becaise of them that Ill never get a mortgage in my name : ( ( they have ruined my credit because they are not willing to work with me!! And when my mother just recently called to see what is was that we owe and how much, they wouldnt give her an answer!!! Whats up with that????

Working with them, well trying to work with them, for the last 11 years has been XXXX. They are unruly. I do not make that Much money and they want like $ XXXX/month from me!!! I cant do that.

Anyways trying, begging, for help and direction on how to see if they have XXXX  me over. There is NO way I owe {$80000.00}!!!!

Please help me ...

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$2000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. DEBIT CARD: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