BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: Earnest Inc.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been having issues now Earnest Student Loans now for several months. Starting XX/XX/2021 as my emails show, I contacted Earnest about canceling the {$7000.00} biweekly payment that I did initially set up/schedule several months prior. However, my financial situation changed, and therefore I wanted this canceled. I have numerous e-mails from XXXX stating that this has been taken care of, but unfortunately, on 4 separate occasions, they ATTEMPTED to take this out of my account. 1 time they were successful ( despite my being told that this was remedied, and set at {$2000.00} biweekly, per my request ) in taking this money out, leading to insufficient funds fees from my bank ; these were ultimately refunded by Earnest. I also recently ( XX/XX/XXXX ) was forced to make a {$30.00} stop payment against any future withdrawals, as yet again XXXX XXXX at XXXX ), well after the servicing manager confirmed with XXXX that {$7000.00} would not be taken from my account, it was still set to take that money from me. And, I was told in that same e-mail/sentence, that {$2000.00} would be taken out biweekly, beginning XXXX ( but this didn't happen! ). So, now I'm paying more interest, because yet again Earnest can't figure this out. There were also exactly 14 days where I had {$7000.00} taken out of my account ( unlawfully ) by Earnest, despite my repeated attempts to stop this ( and confirmation by Earnest that it was stopped/would NOT happen ). I did not receive interest in my bank account ( 3 % ), and did not receive a reduction in interest from Earnest ; they simply held this money for 14 days. I also have not received another {$15.00} in insuffiicient funds fees " return '' from Earnest that this caused ( they refunded the initial one ). 

I have spent well over 6 hours on the phone with Earnest, e-mailing them, keeping close track of my account, talking to my bank, etc, dealing with this. I asked Earnest to credit me the lost interest on the {$7000.00} for 14 days, but they said regulations prevented them from doing this. But how were they " allowed '' ( against my well-documented will! ) to take money from me without my consent, and in fact my direct lack of consent??!! No regulations at play there ; they simply did what they wanted, but then when the little consumer asked them to make things right, they boldly started talking about regulations! But no regulations were ever mentioned regarding protected the little consumer from being taken advantage of, as they clearly did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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:
Someone has been using my information illegally and incurred many charges fraudulently on my behalf without my permission. This has destroyed my credit profile and my credit rating. I have notified the credit bureaus multiple times and they do very little to help. I have placed fraud alerts and somehow these people have managed to steal my info. I need your professional help in fixing this. Please tell me what to do or how we can fix this so I can have my credit back to normal.Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 FCRA, XXXX XXXX  Acct XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604 A Section 2, also states a consumer reporting agency can not furnish an 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 2020-07-29
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Westlake Service INC reported me as a joint signer on an auto loan which was reported as opened on XXXX/2020. The loan amount reflects XXXX with a scheduled payment of {$420.00} this loan does not belong to me nor have I co signed on any loan.

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 2022-09-27
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX. XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
XXXX 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 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 explanation
Consumer complaint received 2023-05-15
Company: GOLDMAN SACHS BANK USA
State: CT
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:
My id is canceled, non existent as of XX/XX/2022. Contracted XXXX to make arrangement not limited to address change. 

XXXX  cant take payments online, recently today was offered bill pay over the phone. 

What so ever they take too long to process payments according. 
I keep quoting the fact the company wont send me statements via regulated mail. 

They need to report accurate information will kindly ask to take accountability and repair my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Convergent Resources, 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:
Fraudulent Account 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 2021-05-15
Company: Experian Information Solutions Inc.
State: CA
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 DATE OF BIRTH : XX/XX/1984 DRIVERS LICENSE : XXXX To whom it may concern : I recently ONLY filed an an inquiry with, XXXX XXXX XXXX XXXX. 

Immediately they ran my credit without consulting me. 

This is unacceptable. 

I have corresponded with several loan specialists and it is to my understanding that until a negotiated loan amount has been accepted by both parties then a hard credit pull can be made. 

I would like this item, the credit check, from XXXX removed from my credit report. 

Please contact me at your earlier convenience. 



XXXX XXXX XXXX III EMAIL : XXXX CELL : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST XXXX. 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 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello, I went to Bank of America XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to deposit my tax return check but they refused to accept it because it is addressed to me and my wife. They asked me to add my wife to the account as an owner to be able to cash the check. I added her as a benefitiarry but they still refused to cash the check and asked me again to add her as an owner. I asked if there is any other was such like bringing her with me to the bank in-person or any other was dbesides making her a full owner to the account but they refused any other option. Adding my wife to the account as an owner to just cash a check is not appropriate. So I had an argument with the employee XXXX, and the XXXX XXXX so they took the subject very personal and started making it even difficult for me tpo add my wife as an account owner. 

I wend with my wife to the branch today and almost had a XXXX XXXX from the staff and managers there. This branch has the WORST EVER customer service. Its my third time visiting this branch and experiencing the same. The employees lack basic skills and the XXXX is even worst. I wonder what the XXXX is doing leaving the branch with unqualified employees and management to run it. I went to the branch today and was " tortured '' by XXXX who lacks the basic communication skills. She only wants to talk and refuses to listen and at the end, she threatened me to cancel the meeting and have my request delayed for days. I spoke to the XXXX, XXXX, who did nothing but watching and peaking from behind the door. XXXX also has no customer service skills what so ever. 

I was worried that XXXX changed my account or add or remove services that I did not authorize so I asked XXXX to verify her work. XXXX said she will do but she never did. I am worried what XXXX has done in my account. 

I finally had to add my wife as an owner to cash the check. However, I am so worried that XXXX and XXXX may manipulate my account and change the services or anything else without my approval. I request an investigation to assure that they did not miss up my account. I clearly asked the XXXX XXXX to verify XXXX 's work but she ignored my request and did nothing. 

Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX close my account without any reason, i received my payment from my unemployment. 
XXXX MY MONEY IS CLEAN, IS NOT FRAUD OK. 
MY AACOUNT DO NOT HAVE ANY CHARGEBACK. 

i sent all my information for verify my personal information. 

if PayPal don't want me use the service anymore is fine. 
NOW I WANT YOU TELL ME WHEN MY MONEY IS AVALIABLE FOR WITHDRAW. 

TELL ME WHEN ARE YOU GOING TO GAVE ME ACCESS TO MY MONEY. 


MY EMAIL IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I made a {$700.00} transfer from my Citibank to my XXXX XXXX XXXXXXXX account. Minutes later I receive a text message from citi ( which I thought was actually Citibank ) stating that there was suspicious activity on my account and I needed to vertify my account if I didnt want it to be blocked. I clicked on the link they provided and started filling out my information. I soon realized they were asking for too much personal information so I exited out the page and didnt think nothing of it. On XXXX my phone was out of service most of the day. I thought there was an issue with my phone carrier so I didnt put much attention to it. At around XXXX I check my emails and I noticed 4 Citibank fraud alerts. I quickly check my account and notice {$9000.00} was taken out of my savings account. My phone was still out of service so I had to use my partners phone to report the fraud. At around midnight I notice right before I received the Citibank emails there was an email from XXXX. It stated that my imsi was changed. I soon learned that my phone was hacked and thats how the scammer had access to my account. The next day I went to XXXX to get my phone fixed and soon after I went to the bank to open a new account. I did EVERYTHING the bank asked me to do. They have denied my claim 3 TIMES because they determined it wasnt a fraud but they dont want to give me any reason as to why they made that decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureau 's are reporting inaccurate names and addresses as well as fraudulent accounts and inquiries so I am writing you to see if you can help me resolve this issue before further damage is done to my credit report. On XX/XX/2021 I sent the credit bureau 's a list of inaccurate names and addresses and as of today they still report although I notified them that this reporting is a result of fraud. Attached to this complaint are the letters that were mailed and the identity theft affidavit that was filed through the FTC website.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX XXXX NAME XXXX EMPLOYER : ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  NAME : EMPLOYER XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : XXXX  : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: GA
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.

has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collector Portfolio Recovery Associates , LLC Account XXXX Reference Number XXXX The first time I notice the fraudulent account, along with the fraudulent address attached to it was in XX/XX/2021. I reported the fraud then, to the credit bureaus. It was supposed to be removed then. Well, I received this letter attempting to collect a debt. This is not my address, nor my debt. I've never lived in OK. I've never taken out an account with XXXX XXXX. This is a fraudulent account. 
Thank you for your time. XXXX XXXX

Company response to consumer: Closed with explanation