BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a new credit card from Bank of America. They promised a {$200.00} rewards offer for applying. Their fraud line XXXX called my home shortly after applying and told me they were concerned about fraud. They provided a code with letters and numbers. When I received the card in the mail it repeated my first name twice instead of having my first and last name. I called the bank and they said they would not verify my account, unless I came in person to their branch. They also said they do not use codes with letters and numbers. I told them I was unable to come to their branch and wanted to close the account then. They refused to close the account, and said they intend to keep my account open and keep my personal information in their database unless I come to their branch. They used their offer to gain my personal information.

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 2019-01-21
Company: Equitable Acceptance Corp
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I signed up for student loan servicing through XXXX XXXX/Equitable Acceptance in XX/XX/XXXX. The service was pitched as a student loan relief/forgiveness program. I was told that XXXX XXXX/Equitable acceptance would significantly lower my monthly payment on my loans for two years and then I would have a XXXX  balance on my student loans after that time period. I started making payments XX/XX/XXXX.I was told my monthly payment was {$60.00}. I later found out that Equitable Acceptance was taking {$49.00} of that payment and paying XXXX to student loans. I was told they would manage my account and then in XX/XX/XXXX, my balance due skyrocketed and all my loans were due. It turns out that XXXX  XXXX  entered me into a repayment program that needed yearly recertification based on income but I was never notified that recertification was due. When I called them, they had me go through a recertification program but now my payments jumped to almost {$300.00} per month. When I told them it was too high, they said there was nothing I could do, the payments were based on income and my XXXX. I ended up calling XXXX myself and they were able to sign me up with a different program and lower my payments by almost half, while Equitable Acceptance continued to charge me $ XXXX/month. Since XXXX XXXX and Equitable Acceptance have not actually been servicing my loans and are unable to provide any student loan relief, I tried to cancel with them but they said I could not cancel until my entire {$1000.00} balance is paid off ( a balance/fee I was never notified of and never agreed to ). They haven't provided student loan relief, they simply signed me up for a program available to everyone that I could have signed up for on my own and then charged me a bunch of money to " service '' my loans, and then failed to do any actual servicing. I can't get anywhere with them. They are telling me I can not speak to a manager, and that if I do not pay the balance then it will go into collections. It's a total scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate THESE INQUIRIES ARE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: ACS Education Services
State: PA
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 a loan with ACS/XXXX, XXXX XXXX   XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ACS/XXXX, XXXX XXXX   XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: SYNCHRONY FINANCIAL
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-09-22
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2023 tidewater finance co gained unauthorized access to my credit report. Causing a dent on my consumer credit. This is a violation of 15usc 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Wednesday night ( XX/XX/XXXX ) at around XXXX XXXX I went to an ATM near my old residence to deposit some money, I was moving to my current address, I sold some furniture, I had some cash with me as well and to my security guard decided to deposit it so as not to travel on XXXX XXXX with this money in cash. I didn't count the amount because normally the ATM itself does this, I just followed the steps and inserted my money, then an error screen appeared asking me to enter an approximate amount that was being deposited, so I did some calculations and thought it was around of {$1600.00} and typed that, then a second screen saying to contact the bank as soon as possible if I disagreed with the amount that would be deposited ( I have a photo of both screens ), only {$300.00} was deposited ( I have the receipt saved, where on it contains a message saying that there was an error with the ATM ) so I did it, I called the number that appeared but only robots spoke to me, at that time of night there was no human representative to solve my problem, I felt nervous and anxious and I couldn't sleep right. I woke up the next day and first thing in the morning I called the bank, they told me that I would have to make a claim, so I did, and explained that I was moving and could not be without that amount of money at the moment, she said that They would evaluate the case and if possible, they would release a credit within 2 business days, 2 business days passed and the credit ( which is actually MY MONEY ) was not deposited, so I came to an agency close to my current address in XXXX, CA. and the attendant told me that there was nothing to do (?! ) and that I should wait. So I called the bank again, to talk about Claim number XXXX, and explain that I needed my money, I was treated with contempt by the attendant and I was furious, so I said I would go to the police and contact a lawyer. The lawyer informed me that before I went to court I could make a complaint on this website and here I am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: AL
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:
Experian, XXXX, XXXX are allowing XXXX XXXX ( account XXXX ) to violated my federally protected rights according to FCRA. 

1

5 U.S. Code 1692d A debt collector may not engage in any conduct the natural harass, oppress, or abuse any person in connection with the collection of a debt ; saying I am late and imposing late charges when in fact a finance charge was already enforce.

15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, * CA is reporting my payment status late & sending false information to bureaus, violating the FCRA * Credit Acceptance has been reporting that my payments are {$300.00} but charging for being late although Im paying them as agreed 300, plus i pay {$100.00} extra - [ ] 15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer ; the are abusve and destroying my payment history or my credit report - [ ] 15 UCS 1605 finance charge sum all charge including late payments ( which is in my contract ) so why are they triple charging me & adding imposing fees, another violation 15 U.S. Code 1681 The responsibility Consumer reporting agencies have assumed a vital role protecting information on consumers ; by ensuring fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am reaching out to inform you of an ongoing issue with Transunion, which remains unresolved despite my previous complaint filed with the CFPB, bearing the ID : XXXX As stated in the original complaint, I have been contending with inaccurate reporting and predatory lending behavior by XXXX. I had reported discrepancies to all three major credit bureaus, with XXXX and XXXX having since resolved the matter. Unfortunately, Transunion has failed to remove the inaccurate information from my credit profile within the statutory 30-day resolution period, contravening the norms set by the Fair Credit Reporting Act ( FCRA ). 

The delayed response and lack of corrective action from Transunion have further exacerbated my financial difficulties, impeding my ability to secure crucial financing for XXXX bills and a much-needed XXXX. This continued misrepresentation of my credit profile is causing significant undue stress and hardship. 

In this new complaint, I implore the Consumer Financial Protection Bureau to intercede and expedite the resolution process with Transunion. I am hopeful for an immediate and positive response from Transunion to remove the XXXX accounts from my credit report, with ramifications reflective of the resolved statuses by XXXX and XXXX. My Transunion report is the only report that does not align with all of the other credit bureaus. 

To recapitulate the core grievances from my original complaint : XXXX violations of the original loan agreement and engagement in predatory lending practices have resulted in incorrect and damaging information being reported to the credit bureaus and collections even though the loan had reached its 15 years maturity and payments made have already amounted to over 500 % of the original debt. Additionally, the loan servicer XXXX mishandled communication of payments due and did not resolve inquiries in a timely manner to prevent late payments. 
Transunion has failed to undertake adequate corrective measures despite provided evidence and has not resolved the dispute within the mandated 30-day period. 
I am seeking the following remedies : Immediate removal of XXXX accounts from my Transunion credit report. 
Confirmation from Transunion acknowledging the resolution of the aforementioned inaccuracies. 
Any additional relief that the CFPB deems appropriate to compensate for the inconvenience and distress caused by Transunion 's inaction. 
I appreciate your continuous support and intervention in ensuring a fair and timely resolution to this matter. As mentioned, previous complaints can be referenced at the ID XXXX. 

Thank you very much for your attention and assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
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 : XXXX from 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 an account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt
collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: AZ
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 still hasnt complied after more than 4 attempts with upper management to report correctly or reporting agency wont report correctly themselves. This is been reporting negative for almost over a year and no one will help to report correctly. I have despites numerous times and get excuse after excuse. My credit is being negatively affected and XXXX cant get increases of credit because of XXXX XXXX negligence. My next move is to sue XXXX XXXX in court. And I will win case.

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 2021-08-19
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/222021 we bought a Netspend card in XXXX XXXX, NV for the amount of {$500.00} because we didnt know we couldnt use cash to buy a plane ticket back home to Oregon. No banks were open at the time ( XXXX ) to find a sister bank to our credit union that we use. Card was immediately declined even though it said we could use it immediately but when i tried to use the app to activate it, i had to call and do an identity check which wouldnt be available until Monday we had our child to get back to that day so a family member helped us. Called Monday, we thought we forgot to grab the receipt in XXXX as it was a chaotic morning and were told we had to go back to XXXX to get the receipt even though i had verified my identity again to the person I was talking to. They closed our account and said they would send us a check with our {$500.00} no problem. And to wait 6-8 business days. We waited two weeks and still nothing. We called and they told us they sent it on the XXXX of XXXX but would send another. We finally found the receipt stuffed in our luggage bags and called again because as of now, XX/XX/XXXX, we still have not received anything and we have tried being patient despite struggling. So we called and they said they didnt know what we were talking about and said no check was ever sent or they have no record of it??? They didnt ask for proof of the receipt and still havent even though we have it now. We spent time being shuffled around talking to random departments just for them to say oh I cant help you with that and transferred again. Eventually one guy said that we have to wait for confirmation which doesnt make sense since they claim they already sent the check but now deny that. We even asked if since we have the receipt now if we could just use the card that we received in the mail and they said we couldnt since the account was closed in XXXX so why wasnt our check sent in XXXX when out account was closed??? They are just going to steal our money. This has caused us substantial hardship as we needed some of that money for other things not just tickets and its been nothing but a headache and Im XXXX XXXX from XXXX  as we are getting more and more behind on our bills. That was our hard earned money from working, NOT gambling. Netspend has not been helpful at all, they havent reached out to us on their own other than to verify identity in the very beginning.

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 2023-09-27
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Contacted PNC Bank on XX/XX/2023 to start the PMI removal process on my mortgage. Was told they would submit the request and it should be removed, as at the time I owed XXXX % of the principle balance ( below the common XXXX  % requirement for a PMI ). 

Have since been been charged another monthly PMI of ~ {$63.00}, and will likely be charged for another ~ {$63.00} next month. Called into the company XX/XX/2023 to see why the PMI was not yet removed and why I haven't received any returned correspondence. Company said their customer service rep must have forgotten to submit my request when I called in on XX/XX/2023, and that I was still accountable to pay for the PMI due to their mistake. 

The company said they will now " officially '' put the PMI removal request in, approximately XXXX weeks after it was first requested, and that I would will not be refunded any monies despite their errors. I requested that I be refunded, and they said they can not do that. Was told I would have to file a complaint to XXXX  or CFPB or similar to get a resolution.

Company response to consumer: Closed with monetary relief