BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
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. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 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 make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch 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 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 non-monetary relief
Consumer complaint received 2019-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed there was a hold on funds I received from a check but it was separated in 3 different transactions. 
2 transactions of {$2000.00} and 1 of {$860.00}. 
I was at work at the time these took place and I didn't notice until I was unable to get an XXXX home from work since there was only about 40 cents left in my Bank of America checking account. 

I waited until the next day to call the bank because I thought it was just the check taking a little longer to go through but once I opened app, it showed that the 3 transactions were changed from funds on hold, to being a cash withdrawal at 2 different locations of Bank of America. 

I live in XXXX XXXX and the only banks I go to withdraw cash are the ones within 5 miles of me, these cash withdrawals happened in XXXX XXXX which is more than 100 miles from where I live and work. 

I called my bank and told them what happened, and the only thing they told me was to file a claim and a police report and that I will get an email or call for a follow up on the bank 's investigation, which I did. 

I heard nothing during the whole " investigation '' from the bank. The only thing they told me was it might take 60 days to resolve the case. Until today, XX/XX/XXXX I finally received an update through email stating that they won't honor my claim because debit card/ID and pin # was used for the transactions. 

I have always kept my ID and credit cards with me and have never misplaced it or lost it anywhere outside of my home which makes no sense how anybody could show up with any identification of mine, 100 miles away from where I live to withdraw so much cash at 2 different locations. And I'm sure there's security cameras that show who was the one taking money out of my account since all transactions happened with a teller at the bank. 

I don't believe the bank took any importance to either prevent or resolve the issue. I originally received a check of {$5000.00} as a personal loan and now because of this, I was left without money with an extra {$5000.00} I need to pay back because of Bank of America 's unwillingness to properly run an investigation as to what happened.

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 2019-03-12
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My billing emails arrive a day after the bill is due. For example, I received an email on XX/XX/2019 when the bill was due on XX/XX/2019. I find this unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Ardmore Finance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an installment loan with Ardmore Finance. It was passed due. My debit card was charged unauthorized {$65.00} on XX/XX/2022. I never authorize the company to charge my card. I am not on auto pay. And when I called the company today, I first spoke with the assistant manager. Assistant manager told me that my account was about to go to legal and that was the only way to stop it. When I asked if I had authorize the charge, she told me she had to check my account and call me back in XXXX minutes. In XXXX minutes the store manager calls me and and tells me that half of her office is on auto pay and somehow my information got mixed up with everyone else 's and my card was accidentally charged. She apologized and offered to refund me. But when I called XXXX other offices to verify if auto pay was even an option for customers, I was told " No '' by the managers. I was also told they were not allowed to give me the corporate phone number so I could talk to someone. I would only get a fax number so the complaint could be in writing. Unacceptable. So I am filing this complaint for XXXX reasons. 1. This charge was unauthorized and it is illegal. 2. I was lied to by the company about the reason my card was charged. Because I've worked in this industry before, I know that this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an existing loan with Mr. Cooper. Approximately 4-6 weeks ago I contacted the company asking for instructions about how to remove the PMI from my monthly payments believing the property equity now qualified to allow that to happen. 
They gave me the instructions on what I needed and where to fax the information they needed. I did that about a month ago. 
The information I submitted ( formal BPO ) clearly demonstrated that the property met the minimum equity ratio necessary to ensure the PMI could be removed. 
I have documentation that the information faxed was received. 
I have since followed up twice with Mr. Cooper. Each time no one can tell me where the request is in process and why I have not had any response from the company. 
I believe Mr. Cooper is merely dragging their feet to avoid removing the fee from my mortgage payment as they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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 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 2020-06-01
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was told that this account would be deleted because it was paid in full. 
XXXX/I.C. System account was paid off on XX/XX/2020 ( two accounts ). Total amount paid is {$450.00}. These accounts are still showing on 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 explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2009 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: NY
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 attaching a copy of the Experian credit report picture. Ive already disputed this account and Experian keep saying verified ... I have attached an image of this. 
- This account is not my account. I have NEVER had a student loan. This is an error and Experian and XXXX XXXX XXXX  does not fix this. 
-According to 1681 ( i ) ( a ) of the FCRA.. Experian is supposed to investigate this account and even go beyond the what XXXX XXXX XXXX  says. There is NO contract, signatures, correspondence.. NOTHING for me and these people. 

I am trying to move currently and this account is affecting me and my family. I have copies of being declined a new apartment. Please remove this quickly. I am suffering with my reputation and suffering financially. 

Experian is the only bureau showing this account. See Attached

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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.

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 2019-03-02
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed up for online access and accidentally typed an undesired username for the website. I called in to have the username changed, and received three different sets of instructions from three different people. One of those said they would need to delete my online account so I can re-register, but the website won't allow me to do this. Another said I can change the username by selecting " forgot username '', which requires multi-factor authentication, although the " code '' that is sent by text to the phone number on file never comes. I called in again and opened a ticket and was told 24-48 hour response, but have not received any call back in a week. I have not been able to access my account online in a month.

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 2019-03-25
Company: EQUIFAX, INC.
State: NC
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 sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, equifax and XXXX and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and PACER  stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Date : XX/XX/2020 Action : I tried to connect my PNC bank account to my XXXX investing account. There is a problem on PNC 's end that is preventing me from transferring money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Where is my credit report from these clumsy derelicts at equifax. I faxed them my information, copy of my last electric bill. Copy of my refund from my last landlord in XXXX, ca. I refused to give these clumsy derelicts my social security number on paper. These incompetent clowns send my wife a free report WITHOUT her actually asking. How ignorant is that?! # Where is my free report that should of been sent weeks ago. Especially since there sloppy website does NOT let me create a account. There generic XXXX website. Will not recognize me. NOBODY competent, marginally intelligent there fix simple blunders they self created. Futile calling all those sloppy unanswered phone numbers, getting jerked around it 's the wrong dept?! # Long wait times, incorrect options, evasive blunders with there sloppy robot generated numbers. WHERE IS MY CREDIT REPORT?! #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
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 disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a letter out to the agency on XX/XX/XXXX disputing a debt of {$1800.00} and with delivery confirmation, I knew they got it on XX/XX/XXXX. This letter requested the agency to send me all the information by law about the debt within 30 days. There was no response from the agency. On XX/XX/XXXX I had a letter sent out by my attorney regarding the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a payment of XXXX due on XX/XX/2019. I submitted my payment from an XXXX educational award on XX/XX/2019. It took XXXXwo days to process and shows my payment was accepted by the institution ( Nelnet ) on XX/XX/2019 at XXXX. However, it is now XX/XX/2019. Nelnet continues to refuse to update my account to reflect the payment they received 5 business days ago. Now my account is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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 disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.

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 2022-11-17
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: Credit inquiries on your report that you don't recognize

Complaint:
These Items have been inquired without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them,

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 2019-11-18
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2019 Howard Lee Schiff PC took roughly {$2300.00} of Veteran XXXX Pension from my bank account. Ive called them multiple times and have sent them endless documents to which they closed the account and considered it paid. This is illegal, they cant garnish VA benefits. Ive provided them everything they needed to confirm my identity & bank information along with VA benefit information. They refuse to put the money back in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I contacted American Express Serve due to possible fraud on my account. Was on the phone for over 3 hours and unsure if a fraud claim was filed. Was not explained if the claim as placed and my account locked for now. was not explained about obtaining a new credit card nor the expectation on the claim. I spoke with 7 different reps, supervisors and managers all were rude and did not explain anything to me. I was disconnected from both of the managers and no return call back from either. Transactions are still occurring on my account that I did not give authorization to make. 

XX/XX/2019 - XXXX XXXX XXXX {$120.00} XX/XX/2019 - XXXX {$500.00} XX/XX/2019 - XXXX {$520.00} XX/XX/2019 - XXXX {$260.00} XX/XX/2019 - XXXX XXXX {$6.00} as of the time of filing this complaint.

Company response to consumer: Closed with explanation