BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
American Education Services/PHEAA has been purposely delaying responding to complaints that have recently been submitted. For the several complaints that have been submitted, AES/PHEAA waited the minimum 15 days and then marked all the complaints as Needing additional time which would increase the deadline to 60 days from the 15 day mark allowing the company to respond within 45 additional days. In most cases, they respond by closing the complaint AFTER they wait the 15 minimum days, but in expert opinions, AES/PHEAA 's response did not warrant over 15 days to respond, as it was claimed to be a " duplicate '', which is also false for all the complaints. I am going to be proposing to Congress that AES/PHEAA be charged fees for delaying responses going forward, because I believe they are taking advantage of the 15 day rule. The individual or individuals who close these responses without providing an accurate resolution are not diligently performing their job and the expectations they have as part of their performance should be highly scrutinized. AES/PHEAA has even made remarks in previous complaints that allude to me submitting " too many complaints '', but AES/PHEAA can be assured that with their agency, there are never too many complaints, and other parties have copies of my CFPB correspondence. There are a plethora of borrowers who share these concerns about the Agency. AES/PHEAA should stop pretending not to acknowledge that their agency is a corrupt organization who even the Federal Government no longer trusts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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:
After reviewing my credit report I feel betrayed to see these inaccurate late payments, I have informed you that they are in direct violation of the federal law under 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was away on a birthday trip to XXXX with family and lost my coin purse that held my debit card and my I.D card. Reported it lost when i got back home to Maryland a day later and closed the card down. Bank of America was supposed to send out a new debit card and in the mean time i went into the branch to withdrawal some cash and on the receipt was a huge balance of XXXX i assumed it was some sort of mistake and assumed it would be fixed immediately. Days later i called the banking center and found out about the fraud on my account and i closed my account out. I informed them of me losing my coin purse again and did a full investigation only for Bank Of America to find me at fault. How could i know me losing my card would result in this mess. I have since NOT been able to open any kind of accounts because of this mishap.

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 2022-03-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter to Experian notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required 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 non-monetary relief
Consumer complaint received 2018-01-15
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:
EXPERIAN AND XXXX REFUSED TO UPDATE 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 non-monetary relief
Consumer complaint received 2017-11-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CHASE. THIS HAS BEEN RESOLVED IN THE PAST BUT IS STILL SHOWING ON MY CREDIT REPORT. ONCE THE LEASE WAS UP IN XXXX XXXX, MY LOAN WAS TRANSFERRED TO XXXX XXXX. I WAS TOLD ANY AND ALL OUTSTANDING TAXES WOULD BE INCLUDED IN THE TRANSFER WITH THE PURCHASE OF THE LOAN. THEREFORE I DO NOT OWE CHASE BANK ANY FURTHER FUNDS AS THE BACK TAXES WERE INCLUDED IN MY BUY OUT OF THE VEHICLE LOAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Balance : {$1600.00} On XX/XX/2019 I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Enhanced Recovery under the Dodd-Frank Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo has allowed my ex-husband to mobile deposit several federal tax refund and stimulus checks totaling around XXXX to his account that has my name on them without requiring my signature. I do not have a account with my ex nor do I have an account with Wells Fargo. He simply checks a box on the back of the check and writes for deposit only. I have filed a complaint with Wells Fargo and they called me to let me know that they were not correcting this problem and there's nothing they could do for me. I will have to hire an attorney and take him to court for the money to be paid that Wells Fargo has allowed him to commit fraud and steal from me. There is clearly a problem with how mobile deposits are monitored and its apparent they are not audited with Wells Fargo. Wells Fargo should have removed the funds from the deposits from my ex husband 's account until he properly attained my signature allowing the deposit to be made legally.

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 2017-12-27
Company: Olympia Title & Escrow Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
To whom it may concern : The broker XXXX XXXX, president of Olympia Title & Escrow Corporation, handled the closing for my house ( I was the seller ). XXXX XXXX scheduled the closing for XX/XX/2017. Since I was not going to be able to attend, XXXX XXXX asked me to go to his office to have the documents notarized by XXXX XXXX, the day before the closing. His office is located on the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number XXXX, e-mail : XXXX. Enclosed you will find the Closing Disclosure, on line 12 for Due from Seller at Closing, theres a utility escrow for {$300.00}. XXXX XXXX explained that once they verified that the accounts for the utilities in my house were not deliquent, they would send me a check for {$300.00}. 

Two months have passed since the closing. I sent several e-mails to XXXX XXXX trying to find out the status of the refund of that Utility Escrow, yet I haven't received an answer. 
I would really appreciate your help on the resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Good morning! About 5 years ago I was with a guy who purchased a used car from a dealership using a company they recommended to finance. The sales guy was extremely pushy because he noticed that neither the guy or myself had any experience with the process of buying a used vehicle. I was peer pressured into co signing by both the sales rep and the guy I was with, even though it was not disclosed that I would be responsible for the vehicle if I am co-signer. The sales representative also required us to put a card on file and said that I should put mine, since my credit score was better. He said it is just for their records and that card will not be charged. The down payment that day was {$400.00} and it was paid in cash by the guy I was with. Suspiciously, a few days later that same card go hacked ... 
About a month of two later the guy found out that the vehicle was defective and the problem was temporarily fixed before he purchased the vehicle, so he returned it XXXX voluntarily it was not repossessed ). At the time of him returning the vehicle I was not even in the country or made aware of the situation. 
Fast forward, now I am dealing with the consequences on my credit score for signing under duress and the company 's false advertisement. I have done extensive research and have found many similar stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
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: Account status incorrect

Complaint:
I have an item on my credit report that XXXX XXXX XXXX Equifax, and XXXX keep reporting as delinquent. This item was XXXX in a chapter XXXX bankruptcy, all they have to do is research the XXXX XXXX XXXX, XXXX XXXX. I 'm sick and tired of the companies trying to keep me from fixing their errors. My old dispute over a month ago still has not been resolved # XXXX With XXXX XXXX XXXX, it 's an open and shut case but their stalling. If they ca n't find the information then they should have deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Lendmark Financial Services
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:
Lendmark financial illegally furnished information to my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer to protect my non public personal information were violated by Lendmark Financial.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: NJ
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 writing in reference to XXXX, XXXX, and Experian. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.

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 2022-03-10
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX I reported to us bank that my wallet and all bank cards was stolen and asked that my account be put on hold. Well I finailly got a chance to go in a branch office in XX/XX/XXXX to take care of everything and I and I ordered new cards well us bank closed all my accounts even after I went in the branch location and the stole all my money in my account and all my refunds from XXXX and this is after I reported to them I had no access to my account at all since XX/XX/XXXX. I am hightly upset that this happened and something needs to be done about it

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 2017-12-27
Company: EQUIFAX, INC.
State: GA
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:
this account was included in my affidavit mailed to the credit reporting agency as well as the debt collector. XXXX has refused to respond to my request and continues to report identity theft information to Equifax, Equifax has reported that an investigation has been done but has not mailed me any documents to prove that with dates or phone number and contact information. I am asking that that CFPB require Equifax to complete its investigation with XXXX XXXXt XXXX accordingly thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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:
This is my second time addressing this issue with Equifax and XXXX through the CFPB. The charged off account known as Department of Ed XXXX XXXX has multiple inaccuracies. 

1. No last payment dates ( How can you verify if account was to be charged off with no last date of payment? Charge offs are implemented after 120 days of no payments from the last payment date ) 2. They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current and in good standing ; then in XX/XX/2018, ( the very next month ) account reports as 90 days late. ( NOT POSSIBLE ) THIS IS A VIOLATION! 
3. There were multiple times where I wrote these agencies and received no response at all and they continue to this day, reporting this negative, erroneous account. 


My rights have been violated for several years. 

According to FCRA Section 623 ( a ) ( 1 ) ( C ), and I quote in part " A credit reporting agency CAN NOT UNDER ANY CIRCUMSTANCES, REPORT ANY INFORMATION THE CONSUMER HAS TOLD YOU IS INACCURATE IF IT IS, IN FACT, INACCURATE. '' In my previous dispute I attached the undeniable proof of INACCURATE CREDIT REPORTING, yet even after notification via repeated letters to each agency and the CFPB, EQUIFAX AND XXXX continue to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received an email notification from Capital One of an email update I never made because my access to the account is STILL blocked from my use. 

I file a complaint this afternoon with this Bureau, CFPB and, approximately 2 hours later, I receive this notification which is harassment as I have absolutely no access or have accessed the account since before XX/XX/XXXX, when I discovered Capital One and one or more operatives conspired to block my access to the account. RICO. 

Duly noted on the record, and for the record, retaliation, intimidation, electronic stalking, both civilian and federal, under XXXX of law, authority and title violations to add to the potential forthcoming document claim for the court of record it appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Id like to take issue with BBVA bank on their over draft fee policies. On XXXX XXXX XXXX I had {$44.00} in my account, I made a purchase of {$10.00}. On the XXXX I had {$33.00} and made a purchase of {$10.00}. On XXXX/XXXX/XXXX I made a purchase of {$7.00} bringing my account to {$26.00} but had a pending transaction of {$62.00} which would bring my account to - {$35.00} and an added {$38.00} for overages. Logically the transactions would be processed in the order made regardless of my {$62.00} pending transaction however I was charged overdraft fees 4x. 

I spoke with a representative at BBVA in their disputes dept on XXXX/XXXX/XXXX at approx XXXX est, and they said that the account had the pending {$62.00} dollar charge and because my balance was less than {$62.00} I had $ XXXX in my account at the time the first transactions were made which means that I would be charged {$110.00} in overdraft fees. I believe that this bank deliberately reorders transactions in order to jack up overage fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I request that Enhanced Recovery Company {$240.00}, {$530.00} formally substantiate account data Enhanced Recovery Company conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified account. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Enhanced Recovery Company desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX, AZ XXXX/XXXX. I was greeted by a salesman who told me that all trucks are {$5000.00} more due to Covid because I asked him why they were so expensive. He started to mention negative remarks about the other dealerships in the area. He then proceeded to explain that if he could get my personal information he could make a better deal with me. After viewing a few vehicles we went to his office and after getting my name, address, phone, he asked me for my Social Security number & Birthdate. I told him I didn't want my credit ran without writtin permission and he told me I would have to sign a paper authorizing that to be done. WE WERE VERY CLEAR! I didn't sign any authorization and walked across the street to XXXX where I found a vehicle that I liked. During the transaction, WITH MY PERMISSION, XXXX ran my credit Report and told me that XXXX had ran my credit 7 times through some type of " Clearing House ''. Because of so many Inquiries on my report XXXX XXXX XXXX has lowered my credit limit 50 % and now my credit worthiness has fallen from " Very Good '' to just " Good ''. This is all happening while I'm purchasing a Home and it's affecting my Home Loan and raising the rates. I spoke to the Principal Owner Mr. XXXX XXXX he was very mean to me and even threatened me. He didn't apologize nor did he offer to fix the mess. I sent a XXXX  complaint but he refuses to answer it. I reported it to XXXX but they won't inve6it nor will they help at all. This is corruption at best. I need you help. Attached you will find a email from Mr. XXXX admitting to the error with no apology or offer to help.

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