BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: NC
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 LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: ORG GC GP Buyer, LLC
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am a store XXXX for XXXX, in CT. I attended XXXX XXXX for a few months. XXXX provides 100 % free education to their employees and a company named XXXX helps to get things registered. I went for a few classes and my district manager stated that I could not attend any more because my job needed more of my attention. So, I withdrew from the class, as directed by my supervisor. I spoke with the student advisors and explained what was going on and she removed me from the one class I was going to take. I was never sent a bill, told that I was supposed to pay for this. I applied for all the federal loans/forms as XXXX had asked me to. I do not know how XXXX and XXXX even pay for these classes for the employees. I should not have to pay because it was never for me to pay, it is XXXX who conducted the transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: BSI Financial Holdings, Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please note I could not upload all the attachments on your website. I received an error. 

I received an Annual Escrow Disclosure, but BSI Financial did not account for the correct home insurance premium on their annual escrow account disclosure statement which was dated XX/XX/XXXX, and sent to me. I am very concerned because I prefer things to be reflected accurately, and BSI financial did not reflect my home premium accurately on that disclosure. They also refuse to help make the change and send me a revised disclosure. 

BSI Financial 's escrow disclosure reflects an incorrect amount which was my original policy renewal amount before any changes were made by me. They printed and mailed this disclosure to me approximately XX/XX/XXXX BSI financial refuses to redo the disclosure because it doesn't meet their threshold to do so. They said something that it had to be over {$670.00} for it to be re-evaluated or something like that and my shortage was only {$620.00}. 

I was told that my request to have it reevaluated would likely be denied even though their error causes me additional hardship, and it's not accounted for the way it should be. 

I was told by XXXX at the company that the Insurer never notified them of the change with new premium but later XXXX at BSI Financial retracted that comment and said the insurer did send a new Declarations page the new amount of {$1900.00} but would not give the date they received. However, that still did not prompt them to correct my account they just said it would be an overage next year. 

My renewal was XX/XX/XXXX but I made changes to my policy on XX/XX/XXXX and XX/XX/XXXX. 

My premium went from {$2300.00} to {$1900.00} as a result of those changes. 

XXXX sent a copy of the declarations page to the mortgage company approximately XXXX the XXXX notifying them of these changes with the declarations page. 

There was a refund check issued in amount of {$340.00} for difference in premium. It was issued by XXXX on XX/XX/XXXX. I forwarded the refund payment to the mortgage company immediately after I received it as per my Insurance company instruction to do so. The Check # is XXXX issued on XX/XX/XXXX for {$340.00} BSI Financial had approximately 121 days from the time my insurer sent them the new declarations page showing the correct premium, but even after this amount of time they have failed to report it accurately. They seem to resist wanting to make this right, and do not care how these increased costs affect my family. 

It is not fair to us to have to pay for something additional when it was not accounted for properly by BSI Financial. They had plenty of time to send a correct disclosure to me. 
I hope you can get them to change their stance on correcting their Escrow Disclosure because it was entirely their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eastern Account Systems , Inc. of CT closed out CFPB complaint XXXX, claiming it was a duplicate of complaint XXXX. However attached to XXXX were documents regarding its business activities in Michigan. Michigan law requires that outside firms register as foreign entity. Moreover, foreign entities engaging in activities that are regulated by the State of Michigan are also required to obtain a license in order to transact in their line of business/profession. According to the documentation attached to XXXX, Eastern Account Systems registered to transact business in Michigan and instead of stating the nature of their business akin to " any and all activities for which a firm may legally transact/conduct business in MI, '' their dumb-asses declared the field " Collection Agency, '' and then failed to register with the appropriate agency for a license to collect on debt within MI. records from the MI Department of Licensing and Regulatory Affairs ( XXXX ) show neither a current license for Eastern Account Systems to collect on alleged debts in MI, nor shows they have ever been licensed to do such in MI. Therefore, Eastern Account Systems is hereby advised they have been turned over to Michigan Bureau of Professional Licensing under complaint Record XXXX. Moreover, copies of this information are being furnished to the Michigan Office of the Attorney General, the CT Office of the Attorney General, the US Attorney 's Office for the XXXX XXXX XXXX Michigan, the Michigan Department for Civil Rights, and the Federal Trad Commission As I am someone that holds or has held security clearances, should Eastern Account Systems attempt to contact me in any way moving forward, I will report their attempts at contact to the FBI. Any and all attempts to contact my family, friends, acquaintances, employers, etc. regarding this alleged debt will result in legal action and will be reported to the FBI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I took out two payday loans with XXXX Loans. At some point I defaulted on the loans and XXXX garnished my wages to fulfill the remaining balance of the loans. I received my original contracts back from XXXX stamped paid in full. On XX/XX/XXXX Douglas Chancellor Meyers, a debt collection company, listed a new item on my credit report for {$140.00} with the original creditor listed as XXXX loans. I called XXXX and they stated that all of my loans were paid in full and I needed to contact Douglas Chancellor Meyers to have the item removed. As of XX/XX/XXXX, I have never received a phone call or letter notifying me of this debt or my ability to dispute it. On XX/XX/XXXX I sent a certified letter to Douglas Chancellor Meyers disputing this debt, and requesting proof of the debt owed. As of today, XX/XX/XXXX, I have not received an acknowledgement of receipt of the letter, nor the documentation requested. Meanwhile the debt is continuing to be reported to the credit bureau with the last reporting on XX/XX/XXXX. This is lowering my credit score, and for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n 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  Account # 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 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. 

Account below XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the pandemic I was trying to feed my family and keep up with my bills.

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 2022-09-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a company saying someone had ordered {$4500.00} worth of car parts through XXXX- they wanted me to confirm the charges. I did not order them, so they declined the charge. They told me to check my credit report because this was likely a stolen identity fraud situation. The report shows two open accounts that are not mine tied to an address in Florida that is not mine. I live in XXXX, TX. I called TD Bank NA ( acct opened in XX/XX/22 ), which shows a {$6000.00} balance that is two months overdue. They weren't able to do anything since I didn't have the complete card number - the credit report only shows the first 6 digits. I filed a fraud alert with XXXX, XXXX and XXXX and froze my credit report with all 3. The 2nd account was a XXXX XXXX  account that was opened on XX/XX/22 tied to XXXX. They were very helpful, found the account tied to the Florida address and shut that card down. The address tied to the fraud is XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I was told by XXXX that they are using my name and my SS #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked them, repeatedly to stop calling, and to communicate to me in writing- via mail. They continue to call at least twice a day, and these calls/voice messages include threats regarding contacting my employer. While that is within their rights, the way they do it is in an attempt to scare, rather than to inform. I responded to an email with a pdf of a letter telling them to stop calling, and with instructions on how they can contact me. I also mailed that letter to them directly. They are still calling repeatedly. I have also been yelled at repeatedly, and asked inappropriate questions by several of their agents when I have asked them to stop calling. 

I have asked that they contact me via certified US mail only. 

I paid Navient more than $ XXXX of the $ XXXX that I borrowed. I somehow owe them more than $ XXXX. More than I borrowed over a decade ago. I have made a good faith effort to pay the loans, but refuse to pay more than double. I will pay up to XXXX to resolve the account. They can communicate with me via certified US mail only, or they can submit my account to collections or sue me, or we can settle. However they choose to proceed, they can let me know via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2022, when attempting to go online to check statements and pay my bill, my login was blocked with a message that my account had been locked due to suspicious activity. I called the number Chase indicated and was on hold for XXXX minutes before I was connected to someone. The representative was unable to help me because the " XXXX XXXX XXXX '' was not available after XXXX XXXX. 

The next day, still unable to access XXXX ) my account ; XXXX ) get information about my due date ; XXXX ) or my current statement, I called into the various numbers attempting to gain access to my online account. I was able to confirm my card was still available for purchases, but my linked checking account and online ID were " restricted. '' Despite several calls, I was unable to reach the team until close to XXXX on XX/XX/XXXX. When the call back happened from the " XXXX XXXX XXXX, '' the rep disconnected the call because of background noise ( I was along a highway pulled over ). I called back to talk to a supervisor and was advised I could not have a paper copy of my statement or any other document. 

I called again on the morning of XX/XX/XXXX to the " XXXX XXXX XXXX. '' I was connected and discussed my case for XXXX minutes with a representative. Again, I asserted that I had the right to a paper statement since I was unable to access any of the electronic documents or make payment through the website. I was denied that request. In addition, I was told the only way to unlock my online account or gain access to statements, etc. was to go to a branch and present XXXX forms of ID. In addition, despite having authenticated with multiple individuals and having just provided the required ID at account opening for the checking account just XXXX weeks prior - I had to provide this documentation or I would not gain access to any of my accounts again. 

This is a clear violation of XXXX XXXX and other applicable regulations. If the bank does not provide access electronically- it is my right to receive a paper statement at my address that I can use to pay my bill. Even when I requested to close my accounts, I was denied that ability by the team. 

Chase can not hold my money XXXX and prevent me access to the tools I need to pay my bill and maintain my account- especially when it could impact my bureau reporting and credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: CA
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: CA
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  Accounts listed in the upload section 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 instruction. 

After pulling my credit report and trying to be responsible and handle my business I found lots of inaccurate information on my report. 

Last reported Date last active Date of last payment Date opened Balance past due Comment section

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXXt Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged Transunion to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for.

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 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/XXXX XX/XX/XXXX as well as XX/XX/XXXX I contacted all 3 credit bureaus in regards to fraudulent accounts on my credit reports. I also contacted Bank of America about the {$4500.00} on my credit in XX/XX/XXXXand was told there were no accounts in my name or under my social. I never signed anything for this account. XXXX XX/XX/XXXX in the amount of {$20000.00} was not opened by me and I never signed for this account. I tried reaching someone about this but no response received. XXXX account {$510.00} was not opened by me. I filed a dispute for this account XX/XX/XXXX. My identity and social security card was stolen.

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