BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from XXXX XXXX in the mail. I never opened an account with them. I called and they closed it down. Also someone applied for a loan with NetCredit on XX/XX/2022. I have contacted them filled out a police report, and faxed the information to them and XXXX. They also changed my XXXX XXXX account. I have the new email that was used. also the address used when applying for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-05
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-07
Company: MOHELA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Requesting for student loan information, late payment history, etc to be removed from credit report this debt has been written off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I previously complained about Bank of America charging a late fee on my business credit card account and got a response from them. What is saw in the response is simply restating the T & Cs of each of the accounts which legitimize the fees but does not address the root cause of how Bank of America makes it very hard to set up auto payments to credit cards to payoff statement balances. The response itself shows that to set up auto payments to payoff statement balances I need to use a completely different process called e-bills which is different from normal bill payment. On top of late fees and checking account fees, I recently got hit by another cash advance fee of {$100.00}. Because of the confusion between bill payment and e-bills that bank of america has I paid the bill twice and my account was overpaid for more than a month and bank of america never bothered to return my money. I used the transfer feature to move my own money ( the overpaid amount ) to my checking account and I was charged a {$100.00} of cash advance fees ( which was not disclosed when I was doing the transfer ). Note that the balance on the credit card account after the transfer was XXXX proving that I did not take any money from bank of america when I did this transfer and it infact was my own money I transferred back. I need to atleast get this money returned to me. I have called the customer service and visited the branch but was not successful in reversing the charges.

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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
Hey I am writing to dispute the following information on my report. 
This item Account XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Equifax and XXXX I also asked Equifax and XXXX for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Equifax or XXXX nor the original creditor was able to do so the last several months Equifax and XXXX Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******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 2023-03-07
Company: MOHELA
State: NJ
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, my rights have beem violated 15 USC 168 Section 602 states that I have the right to privacy 15 USC 1681 604A Section 2 : It states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account number an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Caliber Home Loans, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20, I submitted my monthly mortgage payment online via their website. They did not credit my account with the payment until XX/XX/20, and charged me a late fee of {$80.00} since according to them the payment was not made until XX/XX/20. Previously, payments made on or before the XXXX of the month were not charged a late fee even if the payment was not credited to the account until after the XXXX. 

I contacted the company but they said that when the payment is credited to the account is what matters, so I would have to submit my payment via their website 2 days prior to the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX I wrote a {$2500.00} check from my Comerica account. 
XX/XX/XXXX the {$2500.00} check was deposited, via mobile deposit at XXXXXXXX XXXX The check was debited from my account twice ( {$2500.00} x2 = {$5000.00} ) for the same check. 
XXXX  I reconciled my account using my bank statement. My bank, Comerica, showed the check being debited with two different check number, one was the correct check, the other was a check that was written two years prior. 

I contacted Comerica, filed an investigation and Comerica told me to talk to the person I wrote the check to and get the money from them. I spoke to the person I wrote the check to and the money was taken out of their XXXX account on XXXX 

XX/XX/XXXX After dozens of calls to Comerica customer service and my branch, I went into the Comerica branch near my house. They said they were aware of the situation but said they would get back to me ( I have heard this for 5 months now ). I told Comerica I was filing a complaint througha third party consumer advocacy group. I am requesting reimbursement of the {$2500.00} along with compensation for no access to my funds for one year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never done business with this company. I owe this company nothing. 5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The first email I got from Nelnet was on XX/XX/ with my first statement since payments resumed. The amount was {$380.00}. I called them and waited on hold for 2.5 hours, once I talked with someone I changed my payment plan from income driven repayment to the extended graduate program. She told me my payment would be {$160.00} with a small fee for changing my payment. I got a statement for {$190.00} on XXXX I made the payment on XX/XX/. I got an email stating that I needed to call Nelnet and confirm the change of my payment plan on XXXX I called again and waited another 3 hours, but I confirmed the change. On XXXX  I got an email with my billing statement that said my payment due was {$550.00}. I called Nelnet on XXXX I waited for 3 hours before I talked to someone, and I was on the phone with the lady for 45 minutes. She assured me repeatedly stating that the problem would be fixed and that I could check Nelnet.com again in a few days and the payment due would be changed to {$170.00}. I asked her for some sort of email confirmation that stated that my payment was changed and that my payment plan was changed to the extended graduate program. She said they were unable to do that. She again reassured me that the problem was fixed. I looked today on XX/XX/ because my bill is due on the XXXX. I logged in and my payment due is still {$550.00}. I logged in to student student aid.gov and it is still showing that I have an income driven repayment plan. I am currently on hold with Nelnet for the fourth time and have been on hold so far for 47 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: INTERCONTINENTAL CAPITAL GROUP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLEASE DO NOT REFINANCE WITH THIS COMPANY!!!!. I made the biggest mistake of refinancing my home and it was a total nightmare. My Loan officer XXXX XXXX inform and assure me that I did not needed to make my XXXX XXXX payment because the loan was going to be funded before end of the month. I trusted him and by being a first time homebuyer I thought great I'm going to save some cash, well all of that turn into a nightmare, i signed the papers and everything on XX/XX/2020 with the notary and she also said the loan was going to fe funded before XXXX ended. Well that never happen, I started getting calls from my original mortgage company asking for payment and saying I was late, I immediately called My loan officer and I inform him I was getting phone calls from the original mortgage that they were demanding payment. His answer was not to worry that the payoff had been wire already it was just different department. They wire the payoff until XX/XX/XXXX and it was returned because it was short pay, I kept getting calls form original mortgage saying that they had not received payment and that I was already 30 days past due. I contacted Loan Officer XXXX XXXX and informed him, kept getting the same answer I demand it to speak with his boss he would not even give his information, he would put the Pandemic as an excuse that everyone was working remotely, his boss XXXX XXXX Contacted me and said that they were working on the payoff and he assure me that he would take care of things. Never happen, they try to do another payoff and it was rejected again because short pay, by this time my credit took a hit, I was showing 30 days past due on my mortgage account with no fault of my own, 5 of my other creditors close my credit cards and other lower my credit limits. Until I finally called the mortgage company asked for a payoff and I had to call escrow so they could send the correct payoff. Finally after so many calls, emails and frustration the loan was paid off. damage was already done, my credit got ruin thanks to false information and all I got was an " Im sorry this is terrible '' this guy XXXX XXXX never responded to my emails or calls only spoke with him one time and he was never able to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$170.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$260.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Linebarger Goggan Blair & Sampson LLP
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the collection agency of XXXX, XXXX, XXXX and XXXX keep calling my phone number for another person. I tried calling the company back to tell them they have the wrong number but I got an automated system. The only option was to make payment which I am not going to do. 
Today 's call was at XXXX XXXX  on XX/XX/20

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: TN
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:
I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, Experian and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN 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 2023-09-06
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.

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 2019-12-05
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:
It's not my accounts, i never applied for it, i didn't sing any documents, i think, that somebody used my personal information and applied for this accounts.

Company response to consumer: Closed with explanation