BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: AES/PHEAA
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 information incorrect

Complaint:
I consolidated my loans with XXXX and on my XXXX report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I receive unemployment in ca. XX/XX/XXXX I reported that numerous unauthorized tranactions had been made via internet and approx XXXX was stolen during a time when I was very I'll and did not have ability to use or check my card. The bank issued a temp credit then sent a letter stating that credit was now permanent. Then I checked my account was in the negative and they stated that the claim had been closed. I contacted bofa and edd both told me it was because I needed to send identity information to XXXX. Once I did I contacted XXXX and they said I had no freezes or holds. I spoke to bofa and they stated that they would escalate the claim and get it in for reconsideration. The investigation was completed they found it was no fault of my own. But now they are syphoning my benefits from XXXX and I'm still in negative. They never closed my account and XXXX said there was no way for me to stop them from receiving my benefits. I'm on section XXXX I can't pay my pgand e. My daughter goes to school via zoom and I can't pay cable all because bank of america won't put my account back to normal like they stated they would. My name is XXXX XXXX my SS is XXXX. My account number is XXXX. I am devastated. My mom 's maiden name is XXXX my address is XXXX XXXX XXXX  XXXX XXXX Ca XXXX. My phone number XXXX. Dob isXX/XX/XXXX. Please help. I'm drowning in their failure to comply.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: FL
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 been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both XXXX  and XXXX have already acknowledged the identity theft and removed this account. However Experian still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXXBalance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXXBalance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, I co-signed a student loan for my daughter. Toward the end of XXXX, I made an additional payment of XXXX dollars to be paid directly to the principal balance of the account. When I called in to make this payment I requested this. The next month, I received a statement saying that no payment was due. When I called in about this ; I was informed that they considered the payment to be a pay head and that no payment would be due until the extra payment of XXXX was used up. I advised I didnt want that and needed it paid directly to the balance. So the specialist claim to apply it to the balance, so statements will show an amount due. However this is not happening. This company is still holding onto my payment and using it as a pay ahead payment and still charging interest, as if this payment was not made. I would like someone from this company to fix this, so that the payment is applied toward the balance and not considered payed ahead. I want statements That show an amount that is owed each month. I would like to point out that there is a huge difference between paid ahead and an extra payment toward the principal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ally Bank didn't follow clear instructions on two forms to wire funds and claims to have sent funds via check. The check is still not received after 12 days. Many other mistakes were made and I still don't have access to my funds. 
I had a {$100000.00} CD in a Roth IRA about to mature on XX/XX/XXXX. I wished to have the funds wired to my brokerage upon maturity. Because I don't know the procedure, I called Ally and was told to arrange the rollover through my broker which I did on XXXX. The broker 's form didn't have wire instructions, so I called Ally and they instructed me to fill out and submit a DOMESTIC WIRE TRANSFER REQUEST and instructed me to submit it independently which I did XXXX. I proactively called to confirm that everything was in order and was assured it was. On XX/XX/XXXX, my funds did not arrive as expected. On XX/XX/XXXX I called to inquire and was told by XXXX that the funds had been sent by check ( even though there was no address provided by me ) and that the check would be received that day. It was not. I called back XX/XX/XXXX and talked to XXXX and insisted that a new wire be sent immediately and was told the procedure requiring an affidavit and indemnification and a 4-day wait period. She said she escalated my case and I'd hear back in 1-3 days. I did not hear back so I followed up and the escalation was set incorrectly, so it had to be restarted. When I finally heard back ( XXXX ) XXXX said Ally was working on getting the check back which I never requested and it would delay things further. He acknowledged Ally 's errors but said there would be no compensation. Even the lost interest, which is minimal, would require a lot of work on my part. 
I see that Ally has many complaints here exactly the same or similar to mine, averaging over one a month this year, and that's just what's reported. They clearly don't take this issue seriously or perhaps they are doing this intentionally to delay disbursing funds.

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 2021-01-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I dont owe anything else and attached a document as proof. I am kindly requesting MIDLAND FUNDING XXXX Opened XX/XX/2018 agency to remove this collection from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received a debit card for unemployment benefits from the state of Colorado on a US Bank Reliacard. I did not file for. Attempted to send a complaint with US Bank for fraud would not go through email as provided. Also contacted XXXX XXXX with a fraud alert. Did not activate card with number provided.

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 2020-11-21
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Umpqua bank is lying about receiving payment.

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 2017-08-10
Company: M&T BANK CORPORATION
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:
My mortgage company has held/stolen {$89000.00} from me since 2013 and has failed to ever report this lump sum which was an overpayment of what was my principal balance. I am due a refund on the overpayment, I have tried numerous times to resolve this and they continue to lie and get away with it. My credit has suffered and I have experienced emotional distress. Four years is too long. Their attorneys have my money listed as a suspense amount, and even with that error-they at least have a better account of my not owing the fraudulent amount M & T Bank continues to report. I do n't owe them a dime, they owe me money and have gotten away with many violations of Dodd Frank/RESPA Acts including : pyramiding late fees, force placed insurance costs on vacant land that requires non, escrow mismanagement, misapplied payments and it goes on ...

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX i mailed my 1st dispute via certified mail XXXX to XXXX, PA XXXX marked delivered on XX/XX/XXXX at XXXX XXXX. They responded in a letter dated XX/XX/XXXX saying they were unable to process my request. I resubmitted dispute which tracking XXXX shows delivered on XX/XX/XXXX. The completely ignored my request until my 3rd letter they received on XX/XX/XXXX via XXXX. They responded in letter dated XX/XX/XXXX which surprisingly stated our records show that we have previously completed an investigation as verified by data furnisher. When in fact they stated on XX/XX/XXXX letter saying unable to process my request and my 2nd letter was ignored? I am confused. Now in this last letter they mentioned the rule " As outlined in the FCRA, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from creditor or courthouse .... ) we are not required to reinvestigate the same item again at this time. '' My 4th and final letter which I will attach contained a letter from US Bankruptcy Court Office of the Clerk XXXX District of Florida dated XX/XX/XXXX. My letter was once more ignored. Recently, I applied for credit and was denied due to this information. Upon receiving my report as requested from them dated XX/XX/XXXX, this public record is still not removed USBK Court Southern Florida. I have been more than understanding with the changes with COVID-19 might delay processes but the rules are the rules and now I believe that I have been taken advance of. They have failed to maintain the regulations and I need this public record deleted. 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 explanation
Consumer complaint received 2019-06-12
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 status incorrect

Complaint:
WAS PAID BY INSURANCE COMPANY PROVEN REMOVED ONCE AND PLACE BACK ON MY ACCOUNT REQUEST DOCUMENTS 30 DAYS AGO TO PROVE THAT ACCOUNT WAS MINE CLAIM HAPA LAWS WILL NOT ALLOW DEMAND THEY REMOVE IMMODERATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Transunion has ignored my request Multiple Times to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 45 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since XX/XX/2019 I have written letters to XXXX XXXX XXXX XXXX XXXX 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After numerous attempts to get Bull city financial to remove this fraudulent account from my credit report they still havent removed this fraudulent account I never had any account from them ever. I want to dispute this fraudulent account under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian has ignored my request multiple times to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 45day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are REQUIRED to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. I did not authorize these accounts. These accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
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 fraud alerts or security freezes

Complaint:
Would like my fraud alerts removed

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 2020-11-21
Company: FIRSTBANK PUERTO RICO
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/2020, while checking my on line bank account with Firstbank i noticed 2 unauthorized transactions. The transaction amounts were for {$240.00} and {$300.00} and were from XXXX. I immediately contacted Firstbank in Puerto Rico by phone. I was told by a customer service agent that the bank was unable to stop the transactions. The bank customer service rep told me I would need to wait till the transactions processed and to call the bank back on Wednesday, XX/XX/2020 to submit a request to investigate the transactions. 
I followed the bank reps instructions and called backed on Wednesday, XX/XX/2020. The bank rep that I spoke to took my statement and cancelled my Visa debit card ( XXXX XXXX XXXX XXXX ). 
I also mailed a letter on XX/XX/2020 to Firstbank Customer Experience & Problem Resolutions Dept in Puerto Rico asking them to reverse the fraudelent charges. 
On Wednesday, XX/XX/2020 I called Firstbank in Puerto Rico for a status on my claim and the representative told me my claim was denied because I had not cancelled the debit card the transactions were made on. 
I requested to speak to a supervisor and i was transferred to Ms. XXXX XXXX. Ms. XXXX saw that the Visa debit card was cancelled on XX/XX/2020 and she submitted another request to their department regarding the fraudelent charges. 
On Friday, XX/XX/2020 I called Firstbank in Puerto Rico for status on my claim and I was told it was denied again because I had not cancelled the debit card and the charges were made in the area I reside in. The customer service rep did some additional investigation and found that the wrong debit card was cancelled and that the 2 transactions were atm withdrawals using my ATH debit card and my pin. The bank rep then cancelled the correct debit card ( XXXX XXXX ) and submitted a another request to their department. 
On XX/XX/2020, I received a call from Firstbank fraud department asking me if I tried to use the debit card ending in XXXX to withdraw money at an ATH machine and I told then it was not me. I also explained to them about the 2 fraudulent charges on my account. 
On Thurday, XX/XX/2020 I called Firstbank to follow up on claim and again I was denied because the card used for the 2 transactions was my debit card and my pin was used to withdrawal the funds. They also told me the transactions were done in the area I live in. 
Another request was submitted on XX/XX/2020.

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 2021-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone tried to get students loans in my name I called soon as I get the alert they stated it will be removed and its still reporting to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: IN
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:
I have submitted 2 requests in writing to have names removed that are not mine. O have sent a copy of my social security card to validate my name. Experian refused to remove the information. They also refuse to remove incorrect addresses.

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 2021-02-23
Company: USCB, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation