BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had contacted XXXX XXXX and his wife XXXX XXXX https : XXXX regarding their advertised Paper Writing Assistance services, which aims to help writers improve their writing skills. The services offered are advertised on their business website at https XXXX XXXX as well as their XXXX page https : XXXX numerous emails were exchange as well as text messages regarding the service and how it would be an excellent fit for me. To begin such services, XXXX requested that {$100.00} either be sent via XXXX to their account at XXXX or if local within the XXXX XXXX area, can be paid in person. Since I was not local, I opted for XXXX and, with my Bank of America account, transferred {$100.00} to XXXX. XXXX asked me if I felt I thought would benefit from further assistance with constructing and revising other papers moving forward, and if so, she could help me with those subsequent assignments at a better rate. Given XXXX and XXXX 's services being in high demand, they requested that I send her an additional {$250.00} upfront again using XXXX to ensure priority moving forward. To prevent any delay, I immediately sent the extra {$250.00} requested using XXXX via Bank of America that same night, equalling a total of {$350.00} being sent altogether. Before I sent the payment, I had communicated the importance of when I wanted the services completed. Providing them with a due date allowed me sufficient time to construct my paper using their guideline/template, ensuring my writing was in line with what was being asked in the assignment. Communications remained excellent throughout the course, leading to the date when the first template/outline was due. On the day the service was to be delivered, I contacted XXXX numerous times via text messages to the number we had communicated with prior, which was XXXX. All text messages remained unanswered ; emails sent to their business account, which XXXX and XXXX have access too XXXX, also went unanswered. The unfortunate part of all this is that their company is named XXXX XXXX XXXX ( English as a Second Language ), which can indicate that their scam targets individuals who are already struggling with a language barrier. The fact that they are targeting individuals who are already at a disadvantage due to the language barrier ; ensure that they can get away with what seems like a well thought out organized scam.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has volated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 602 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 explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Alleged Balances of XXXX and XXXX are unverifible To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

{ XXXX XXXX XXXX } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2023-04-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXY XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX XX/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 2020-01-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got subpoenaed by Wells Fargo to go to court over a credit card I had defaulted on. I went to court, but the lawyer from Wells Fargo did not show up and the judge dismissed the case. This happened probably in the middle of 2019. Today I checked my bank account and Wells Fargo had taken {$850.00} out of my account and left me {$100.00} for myself and my XXXX kids to live off of for the next 2 weeks. I called them and told them the case was dismissed, the agent told me they refiled and were granted a judgement against me. She also stated that the subpoena for the second case was left at my door. Which I never received, nor did I receive any letter from them stating that they would start deducting money out of my account, because I would've gone to make payment arrangements. She then told me to contact the law office that handled the case to set up payments, but they couldn't give me any of my money back to live off of in the mean time. I'm going to call them again, I just don't understand how they take however much they want putting me an my family in a hardship. Everything I have researched says the max they can take is 25 % after mandatory deductions. They took way more than 25 %, and next time, a little notice would be greatly appreciated.

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 2023-11-11
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 we received a letter from loan care stating that our mortgage payments was increasing by {$820.00} from {$1700.00} to {$2500.00} and also, that our escrow was {$6600.00} short. Prior to receiving this notice with this lump sum of over {$6000.00} we were not informed that our escrow had a shortage. After looking over the escrow analysis we noticed that there are mistakes and over estimations in our account, the taxes was estimated to be {$3500.00} which they were only {$2400.00} which is {$1000.00} less. We also, noticed that our escrow account minimum balance is {$1300.00} but we are being charged {$1300.00} a month which is double the amount of our current escrow of {$540.00} a month. As, we went over the account our taxes and hazard insurance went up slightly {$100.00} for taxes and {$64.00} for insurance. There is nothing that should cause our mortgage and escrow payments to have such a major increase. This is not the first time loancare as made these type of costly errors which can lead to unnecessary equity loans, refinancing and loss of property.

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 2022-10-18
Company: EQUIFAX, INC.
State: SD
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 disputed with XXXX my legal name and spelling, my correct address and my correct social They continue to have and continue to report improper names. 2 social security numbers, multiple addresses. 

They have confirmed and verified apparently but yet which social security is mine? 

What is the correct legal name of mine? 

What is the correct address for me They have lied by their investigation results. They can not investigate and confirm which account belongs to what name nor can they confirm what social security is mine Only I know my social security number and legal spelling of my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Accscient, LLC
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency : Nationwide Recovery Business who raised : XXXX XXXX XXXX XXXX ( Closed ) Now called XXXX XXXX XXXX I lived in an XXXX  for 6 months in XXXX I left the XXXX and whatever dues, I owed I paid those rest was responsibility of the room mate. 

I have invoice from XXXXXXXX XXXX XXXXXXXX XXXX stating the same. 

I reached out to Nationwide Recovery Service ( Collection Agency ) why this debt collection was raised. They requested for invoice. I Provided them invoice. Collection Agency told me they will get to their client who raised the debt and will get back. It has been more than a month, and I have reaching to them to check but they are like we have not heard from their client. 

Instead collection agency is raising it as debt to all credit bureaus which is hammering my hard earned credit score In 5 years I never got any Call/email/ mail about this I asked them any ETA or date I should wait, they have no answer. They are hammering my credit even when i provided all the proofs. 

I connected with XXXX XXXX XXXX XXXX team now known as XXXX XXXX. They told me to tell Nationwide to connect with them, but Nation wide is not ready to listen to my request. They keep repeating that they have connected with Client and waiting on them and XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX ) told me they have not hear anything from them This False claim Not only hammered my credit score but also wasted 20 hours of my time. and harassed me as well

Company response to consumer: Untimely response
Consumer complaint received 2018-04-19
Company: HCFS Healthcare Financial Services of TeamHealth
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Balances of XXXX and XXXX are unverified by this company To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2023-10-12
Company: EdFinancial Services
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX  an EdFinancial representative applied for a Term Base plan to reduce my monthly payments. I have been calling customer service for the last two days on hold for over two hours and then being disconnected trying to find out if Ive been approved for a lower payment plan.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-17
Company: Williams & Fudge, Inc
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Back in 2020 I was finishing my last semester but covid hit and my internet access was inturpted. Due to XXXX and the management of my building if you were not a tenet or had to interact with others in person they refused to fix my internet connection resulting in me not being able to submit my final assignments. I've contacted XXXX XXXX XXXX about this issue during this time in letting them know I couldn't submit my final papers and assignments using my hot spot from my phone. After awhile XXXX XXXX stopped responding resulting in defaulting my student loan. I have multiple emails as proof. Now I'm being sent to collections even though I've been back and forth with XXXX for the past three years. This situation was out of my control during this time everything was shut down in XXXX XXXX XXXX I'm asking for assistance before I process legel documents in civil court suing XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife XXXX XXXX worked for XXXX XXXX XXXX. They are the same Management company that owned XXXX at XXXX in XXXX XXXX. XXXX gave my wife a apartment at this community while working for them. I never lived at the property or in XXXX XXXX. I lived in our home in XXXX, Texas with our XXXX kids and that is where I worked which Id XXXX hours from XXXX XXXX, Tx. When my wife quit the president of the management company was upset as stated he was going to make her pay for the apartment and if she did not he would put it on her credit. Well, they did not put it on her credit but placed it on mine. The apartment was supposed to be free for the first XXXX months because she was driving back and forth weekly from XXXX to XXXX XXXX. The management knew I never lived at the apartment or in the city. As well she was never sent an account statement to our address in XXXX although that was the address on her employee file, the address her final check was sent to and the address she listed in several emails letting them know she had vacated the unit within 2 days of quitting. My information was used in retaliation to my wife and this debt collection was illegal placed on my credit which is really identity theft of my personal information. I never actually signed a lease and what they have is electronic. As well they do not even have the correct unit number listed on the lease. And again, I would like to add that me nor my wife ever received Final Account Statement to our home with any balances due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2022-01-14
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 

XXXX, Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 XXXX 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 explanation
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I closed on a Home equity line of credit, through the Chase bank that also holds my initial mortgage, and a previous home equity line of credit. At the closing, I advised the bank representatives that I'd made a payment on XX/XX/XXXX to the existing line of credit, because it was the due day, and I did not want to get charged a late fee. 
On XX/XX/XXXX, the bank attempted to satisfy my outstanding balance from the original line of credit, by deducting it from the newly opened line of credit ( account # XXXX ) as per our agreement. Instead of paying off the existing balance, they deducted over {$500.00} dollars more than I owed, at the date of closing. They did not seek my approval. Now they are trying to treat it as an overpayment, and merely reimburse the amount, without regard to the interest it has incurred. I brought this up with the loan officer I have made several attempts to correct this issue with them, and have been unsuccessful as of this date and time. 
When I called the representative XXXX XXXX on the afternoon of XX/XX/XXXX, he stated he " did not think it was that big of a deal, '' when I described what had transpired When I asked to speak to a supervisor, he kept me on hold for well over 10 minutes, and then advised me no supervisor was available. I asked him to have 1 contact me and he stated he would. As of yet, no other Chase representative has contacted me.

Company response to consumer: Closed with explanation