BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: ProCollect, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have request validation of debt on XX/XX/23. I have not been supplied validation of debt and the items remains on my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX. 
My friend has sent me {$1.00} XXXX which she used for validating ) and {$500.00} using XXXX to my Savings account which has been already closed and the account is linked to my old mobile number which was not in use. 
However, I received message from Bofa saying that {$1.00} has been credited with confirmation number # XXXX so she has sent the {$500.00} as well. 
But, it was never credited to my account because the account itself not exists ( which makes sense ). As well it never went back to senders account. 

XXXX XXXX. 
After many discussions with Bofa customer care center, we filed a claim expecting that money will be refunded back. 
But, on this day we got a letter saying, " We have completed our investigation of claim, our records indicates that we initiated the transfer in accordance with your instructions. As a courtesy, we attempted to work with the other party we were unsuccessful at contacting the recipient and your account will not be credited '' When account is not linked to my new mobile number and there is no account at all how can I receive a Confirmation from Bofa saying that money was credit successfully which made us make large amount transaction. This is a complete technical glitch from Bofa and they don't have an answer for this. 

XXXX XXXX. 
On this day I went to bank and speak to Bank Relationship manager, he made me to call customer care which I have already tried so many times and they were helpless and asked us to contact an attorney to get the permission to see who received those funds. 

XXXX XXXX. 
Today I again went to bank and speak to Bank Relationship manager, he called to customer executive and described the situation again they suggested to raise a claim. 
And as he said, we contacted customer care to raise a claim and they were asking us to contact an attorney. 

I am not really sure why should I contact an attorney for the account which has been closed and the mobile number as well not in use. 

So, please do the needful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: MA
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 submitted disputes on XX/XX/18, XX/XX/18, and XX/XX/18 to 2 credit reporting agencies asking them to correct a student loan account that I have at XXXX XXXX XXXX that they both erroneously list as discharged through Chapter XXXX bankruptcy. I also called twice and was told to send supporting paperwork along with a cover letter indicating what I would like done to correct the error, which I did both times. 

The school loan account was NOT discharged in bankruptcy, and I currently pay on it each month. My payments have never been late. I twice submitted the court documents that prove that this account was not included in the bankruptcy, and I submitted a current school loan statement indicating my current balance due. I received a response from both credit reporting agencies that confirms the information they have on file despite the paperwork I submitted proving that they have it listed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: LA
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: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IN
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: Solar Mosaic LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Solar Mosaic LLC | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX | XXXXXXXX XXXX XXXX XXXX License XXXX Should stop money given to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am owed two months of reimbursement for XXXX for each month. XXXX XXXX stated that I was going to get reimbursed until Solar Panels are active and Solar Mosaic would not charge until Solar panels where active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TX
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Creditor closed my account fir no good reason will not tell me why and now has my money their are severely outstanding dispuites on that card which have been ruled in my favor yet a have not recived my money from the balance that was left on the card. I want my money returned to me the dispuites were ruled in my favor. I also want a complaint on file this creditor is bogus and closes people 's accounts for no reason with no explanation. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( s ) : XXXX was unable to retrieve my credit report.

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 2023-06-12
Company: Affirm Holdings, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX and multiple other affirm accounts 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.

I have tried numerous times to resolve this issue to no avail. AFFIRM has violated FCRA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IL
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: TN
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 have disputed inaccurate information on my credit report numerous times with XXXXThis goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to Equifax have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have a PNC checking account that I rarely use. On XX/XX/2023, I reported my PNC ATM card stolen to PNC over the phone. PNC 's representative asked me if I wanted a replacement card sent, and I said I did. PNC did not disclose on the call that it would debit my checking account {$7.00} for a " Card Replacement Fee. '' I discovered this today, when, by happenstance, I saw my checking account balance while looking for information about an unrelated loan I have with PNC. 

Had PNC disclosed this {$7.00} charge to me, I would not have agreed to receive a replacement card, as I rarely use my PNC checking account. 

Additionally, PNC 's unauthorized {$7.00} debit dropped my account balance from the required {$1000.00} minimum to {$990.00}, meaning PNC probably will charge me a fee for that, too. I transferred money into the account immediately to cover the shortage, but I shouldn't have to do that in this situation, and it may not arrive in time ( in my experience, PNC will usually find a way to assess any fee it can ).

I would like the CFPB to cause PNC to return the {$7.00} it improperly took from me, and not charge me any " insufficient balance '' or similar fee.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX veteran on a fixed income. I have a mortgage which is owned by Nationstar mortgage of XXXX, TX. I have paid the original mortgage amount down from {$100.00}, XXXX to {$85000.00}. I have requested the removal of the current monthly PMI amount up to of {$47.00} from my payments. Well, they are requiring my signing of a formatted letter generated by Nationstar mortgage that states that I will be charged up to {$600.00} for an appraisal that they will acquire. Well, from my understanding of XXXX once the mortgage balance reaches the amount of 20 % been paid off that the mortgage company was obligated to drop the PMI. My mortgage is well past that point but they refuse to cancel the PMI. The following is applicable info : :Mortgage Company : Nation Star Mortgage Phone # XXXX or XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had identity theft in the past. I have submitted a report to the federal trade commission with recent report number XXXX which I have attached a copy of for your reference. I have requested unauthorized credit inquiries to be removed from my credit reports and the only credit bureau that is not removing them is Equifax. I have sent many letters over the period of one year and included the ID Theft Report which should be enough and the other bureaus XXXX and XXXX have complied and removed the unauthorized inquiries, however Equifax has not. I have a right to an accurate credit file and this in unacceptable. The following inquires were not authorized by me and I did not apply in person or online for lines of credit with these companies ; XXXX XXXX ( I have not step foot in this car dealership or applied online or in any other way! ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not even know who XXXX XXXX is or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I received a letter from TD bank stating I owed them XXXX because my account was over drawn. I just was release from XXXX in XXXX and have only banked with XXXX XXXX. I filed a complaint with the fraud department associated with the bank. They then gave me a list of number to continue to call to keep my identity safe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cancellation Request not properly updated for XXXX XXXX XXXX XXXX, please find duplicates of the correspondence sent through certified mail on XX/XX/2023, addressed to both the XXXX XXXX XXXX XXXX XXXX and the Aargon Collection Agency. This communication pertains to the reported debt, which, to date, has not been validated nor elicited a response.

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 2023-06-12
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
They at XXXX XXXX never came to make a move I needed and when I asked to refund what I paid them they refused to do it. So I tried to get my back to return and they would not saying I would have to go through the civil court in the state they are based out of. I then decided to file a report with Federal Trade Commission and upon sending them the complaint against XXXX XXXX and the other company also based in Florida, XXXX XXXX XXXX XXXX as they seemed to both have collaborated against me to keep my property in Illinois where I tried to relocate from while making me all the more financially stressed, FTC recommended I stop payment or get funds put back into my account through my institution and if they will not help then I should file a complaint against my bank. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: AZ
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 the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
This is in response to Lexisnexis to CFPB case num XXXX for the request of deletion bankruptcy record case num XXXX I contacted you by phone and mail you proof of identity I will also upload the proof of my phone call along with a bill and my government issue ID as you requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is the worst mortgage servicer in the world. They should be shutdown. Every time I interact with them, they mess up what they are supposed to do with my money. I just recently went on their website and processed a purchase and coded it as an extra escrow payment, and they coded it as a principal payment. I now have to call them and go through their terrible customer service to have them apply it to escrow. They will then lower my payment instead of just adding it to escrow, and I will have to have them run another escrow analysis. They will then send me a check that I do n't want. I will then attempt to send them back the money since I want it in escrow and they will mess that up again. The circle continues this way with no end in sight. I have contacted you before on their incompetence and nothing is fixed with this company. When do you plan on fining Nationstar? When will they be shutdown? Can you force them to switch me to a mortgage servicer that knows how to service a mortgage?

Company response to consumer: Closed with explanation