BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Early Warning Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Requested on XX/XX/21, a copy of my early warning systems report, which is said to be sent within 15 days. Called on XX/XX/21, since had not received. Rep informed letter sent requesting additional info. To date, have not received either report or allegedly sent letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: SUNRISE CREDIT SERVICES, INC
State: TX
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 sent letters and disputed this information several times with XXXX  and they haven't been able to physically provide me with copies of my requests. All I have gotten is a message stating it was verified. This is in regards to a collections account with SUNRISE CREDIT SERVICES 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
9. Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I WAS SCAMMED BY PAYING USING XXXX XXXX. I PAID XXXX XXXX {$870.00} ON XXXX AND {$900.00} ON XXXX. I ALSO PAID XXXX XXXX {$1400.00} ON XXXX AND {$800.00} ON XXXX. THESE 2 PEOPLE SCAMMED ME AND THEY DID NOTHING AT ALL FOR ME. I WAS TOLD TO DO XXXX XXXX AND NOW I KNOW WHY. I HAVEN'T BEEN ABLE TO CONTACT THEM AND I TRIED WITH THE XXXX XXXX RESTITUTION AND WAS TOLD NOTHING COULD BE DONE TO HELP ME. 
I ALSO PAID A COMPANY CALLED XXXX XXXX XXXX XXXX {$790.00} ON XXXX USING MY CHASE FREEDOM CC. THIS COMPANY AGAIN SCAMMED ME AND I TRIED TO REPORT THIS AS FRAUD AND THE CREDIT CARD COMPANY DENIED THE CLAIM BECAUSE IT WAS DONE IN 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I froze my credit account 2 years ago, with all 6 major Credit Bureaus, ( Equifax, XXXX, XXXX, XXXX, XXXX, and XXXX ). When I attempted to unfreeze them, most went right through. 

However EQUIFAX after having stated that the freeze was lifted, continues to report to my creditors that my credit is frozen. They report to me that it is lifted, and that no fraud alerts or any other blocks are in place, but tell XXXX XXXX and XXXX XXXX XXXX XXXX, I am frozen which is costing me a lot of money in extra fees. 

Please help ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
i have told them to cease and dissist all calls, but they still call and this debt was not mine

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 2017-07-05
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed Bankruptcy ( Chapter XXXX in early XX/XX/XXXX ). It was reported to my credit report on XX/XX/XXXX and listed as fully discharged on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on XXXX, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.

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 2022-04-26
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for PSLF. After about eight weeks FedLoan Servicing contacted me to let me know that I had entered an incorrect employer FEIN/EIN number on my application and requested a copy of my 2020 W-2 from that same employer. I submitted the W-2 as requested as evidence of the correct FEIN/EIN number. I was then informed that because I had initially entered an incorrect FEIN/EIN number on my application they had closed my case and require that I start the application process all over again ( aka : go to the back of the line ) despite their having the correct FEIN/EIN now in their possession.

This seems egregiously unfair. Apparently FedLoan Servicing continues to deny PSLF applications based upon easily resolved technicalities Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hi I took a car loan for a XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX XXXX, now ( XXXX XXXX ), back in XX/XX/XXXX. The vehicle was financed by TD Auto Finance Company. The duration of the loan was for five years, up until XX/XX/XXXX. 

I 've paid the entire loan amount including principle and interest to the sum of {$19000.00}, back in XX/XX/XXXX ; expecting the finance company to mail me my original title. They sent me a lien release letter stating that the vehicle was paid off. I waited over ninety day 's for the title but it never came. 

I contacted the finance company : they directed me to Virginia department of motor vehicle ; DMV told me they never received any title for the vehicle and should contact the dealership ; dealership referred me to TD Auto Finance. I 've been tossed around like a football the past six months, and efforts to get my title from the finance company has been futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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:
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 can not furnish a account without my written instructions.

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 2022-04-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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


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 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 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 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 XXXX XXXX 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 2020-02-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I called to increase my auto payments to {$300.00} per month. They wouldnt do it. They said to just over pay. I asked them again to increase payments but refused. 

On XX/XX/XXXX I got an email stating my account is in forbearance and all of my auto payments are cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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 following companies have violated my rights. 
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 XXXXXXXX 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

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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my account was hacked from someone I am unaware of. Bank of America has been giving me a hard time retrieving my money. Every 2 weeks they say its has been extended due to a claim that is still open. I have contacted them every 2 weeks and all they say is you have to wait. They do not offer any extra assistance. I was told the account will be closed and the money would be available to me XXXX XXXX, then XX/XX/XXXX, next XX/XX/XXXX now its XX/XX/XXXX. I have not been able to pay my bills because everything I have is in the bank. I am pending eviction. I need my money out of this bank. BOA has made my XXXX negative because they took money from me.

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 2022-04-26
Company: EQUIFAX, 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 following companies have violated my rights. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-22
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As an Active-Duty Service member, I am ashamed and disgusted with how I was treated during my call with AMEX. On XX/XX/2022 I contacted AMEX in regard to a defaulted account. I explained that I had experienced a financial hardship and that I wanted to re-establish a relationship with AMEX by satisfying my debt. After speaking with the representative for about 20 minutes discussing available options, he informed me that his manager, XXXX, was listening in on the call and wanted to speak to me. XXXX began speaking in a hostel and threatening manner, stating, " they were going to send my account to collections if I didn't take the offer and that I didn't want that ''. When I refused and ask about the financial hardship program, he became annoyed and spoke to me in an intimidating manner. He then told me AMEX didn't offer financial hardship programs, which I know isn't true. I explained, the person I spoke to previously, told me he would get to the perks of the XXXX and now you're telling me this isn't a thing. I informed XXXX that I wanted to come up with a plan and put things in writing so it's a binding agreement and he refused and said they couldn't assist me because I wouldn't make a payment during the time of the conversation. He later stressed the fact that I hadn't made a payment in over a year. I then told him that understood how things worked and that I wanted an agreement. I even stress the fact, AMEX had reported my accounts incorrectly on my credit report that gives misrepresentation of my account status, but my intentions weren't to challenge them but to meet common ground. I have never experienced anything as such from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Our company makes pet food. Our food is made by co-packers. We received an email with an invoice from our co-packer ( an LLC ) as was expected. We then received a subsequent email on the same email thread from the co-packer updating their banking information. They asked that for any further invoices that I pay this new bank account ; so we sent both of the payments outlined below to this new bank account. 
On XX/XX/XXXX we were contacted by the LLC to say that they were a victim of a phishing scam and not to pay any new bank accounts. We then realized that it was too late, we already had paid this fraudulent bank account. 
We immediately contacted our bank ( XXXX XXXX ) and their fraud department but it was too late to recover the money. XXXX XXXX XXXX   fraud department has been in touch with Bank of America, the bank where the money was transferred. We have filed an FBI report, two police reports and hired a lawyer. 
We have been advised by XXXXXXXX XXXX, that the Bank of America account where we transferred money was a fraudulent account. The name of the account was an individual, who we are told is a senior citizen that collects social security payments. The two ACH payments we made to this fraudulent account were made payable to the LLC ( our co-packer ) and ACH payment ( XX/XX/XXXX payment was in the amount of {$28000.00} and XX/XX/XXXX was in the amount of {$35000.00} ). We believe these deposits to be significantly larger then the typical payments the account owner normally receives. We have also been advised that the account owner immediately transferred both payments to another fraudulent account in Texas and that the account owner kept several thousand dollars from each of those deposits. When the account was examined, it was found to contain virtually no funds. The conclusion was that this individual is a money mule. 
We have been advised that generally a deposit will be titled to the same name as that on the account and based on a threshold dollar amount the deposits should get closer scrutiny. This did not appear to happen even though we believe that those two ACH payments are significantly larger than the normal deposits into that account. 
Our concern is that the ACH payments we made went into a fraudulent account and unusually large deposits were not titled to match the name on the account where they were deposit by Bank of America ( i.e., we paid an LLC not an individual ) We want our money returned to us as it was clearly put into a fraudulent 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 2022-04-26
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
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:
I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Equifax Credit Report today using their TrustedID XXXX XXXX. It took Equifax a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX we deposit XXXX for a total of XXXX. Then on the same date bank of America processed a check for XXXX and XXXX. Then we deposited XXXX more on XX/XX/XXXX and then had 3x XXXX fees for XXXX  XXXX XXXX, and autopay that went through as all debits are processed because credits even if applied on the same date. We asked if they could reverse the fees and they refused. Paychecks get held for three days before they are available. XX/XX/XXXX our XXXX XXXX  automatic payment was deducted on the same day my check was supposed to be direct deposited but it did n't go through, so on the XX/XX/XXXXwe made a deposit of XXXX to cover the insurance and the fee. Which leaves us penny less because of fees. Our van also broke down.

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 2020-02-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
got a call from from chase fraud support about y card application. took forever to get to someone, and when I did, no one know what they were talking about or why i was called. took 10 minutes to talk to someone because their phone system XXXX. still have not recieved card and it has been longer than they say, and keep telling me to wait another day.

Company response to consumer: Closed with explanation