BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2017-10-26
Company: Experian Information Solutions Inc.
State: IL
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 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't really been applying for anything lately. Due to too many inquiries in the last year. Reviewed my credit report with Experian and noticed that I had a total of 15 inquiries. Out of those 15 inquiries, 9 are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with XXXX I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. Also I have some addresses on my credit report that 's are n't mines. I have a family member with a similar name I need it removed. 

Address : 1.XXXX XXXX XXXX XXXX, IL XXXX 2.XXXX XXXX XXXX XXXX, IL XXXX Inquiry : 1.XXXX/XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX 5.XXXX-XX/XX/XXXX 6.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 non-monetary relief
Consumer complaint received 2017-10-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I began XXXX school in XXXX of 2016. I contact AES to tell them that I did not want my loans to be deferred. I wanted to pay them while I was in school so that they would count towards my public service loan forgiveness. The company removed the deferment. Since that moment, my account has been placed in deferment multiple times. I have contacted the company by phone several times. I have contacted the company by email, and the same thing continues to happen. Since dealing with this company, my public service loan forgiveness plan will be pushed back at least 6-7 months due to them not auto-drafting my set payment amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Statement received from C $ I collection agency, stating I owed {$340.00} to XXXX XXXX XXXX XXXX Texas. I immediately sent a debt validation letter to the collection action on XX/XX/2022 and received a response letter dated XX/XX/2022. Inside the letter I received on XX/XX/2022, is nothing but a report from XXXX XXXX XXXX XXXX Texas, with a medical imaging name and procedure code and date and amount. This is on no office letter head or anything verifying XXXX department, this could be the Debt collector falsifying this paper for all I know. There is no other information showing me where this is my actual date, no signatures where I had this procedure, and any proof where I released this Credit agency to have ACCESS to my MEDICAL HISTORY or RECORDS, which this is in violation of HIIPAA. This is not my debt they say I owe, and I need this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
An offshore transaction, which I've made previously, prompted a text message asking if the charge was recognized. I replied yes and the response was that the transaction was authorized. Several days later, I began a mobile withdrawal, which is available through the bank app, permitting you to input the amount you'd like to withdraw. I received notification that everything was in order, and I could go to the ATM to pick up cash. When I arrived at the ATM, miles away, the machine indicated that my card had been locked due to irregular activity. I called the bank, was told that they had the confirmation of the original transaction, and the card should not have been locked. They offered an apology for " the inconvenience. ''

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 2023-03-29
Company: Experian Information Solutions Inc.
State: AZ
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:
My credit report contains incorrect 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 2021-05-13
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am a XXXX XXXX  on BinanceUS and make several transactions on the platform. They have locked my account and will not allow me to withdraw money that has already been deposited in the amount of {$80000.00}. Recently, I received a request to provide more information from BinanceUS ' risk management team. The request was for information about employment, estimated net worth, W2 as well as a video showing a copy of my ID. After submitting this information, I was asked to submit a copy of my most recent tax return. I submitted this information and received a follow up request for my bank statements in the past 90 days. Needless to say, I am not applying for a mortgage, so I do not feel this information is important. As a result, I have not been able to withdraw my money and suffered substantial losses as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: PNC Bank N.A.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX and I have a mortgage through PNC bank my account number is XXXX. I was on the forbearance program due to Covid. I have recently lost income. I now have a new job. And I am going through the process for a Loss Midigation application. My single point of contact has been changed and I have no way to make a payment on my account or speak to a representative. When I call any number at Pnc bank it directs me to a voicemail without an option to speak to a representative. I wish to make a payment on my account and am not able to do so or get an answer back on my loss Midigation application

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
West lake financial services reporting account that is not mine on my credit report, trying to collect {$10000.00} from me, account has been opened since XXXX XXXX Account is not mine, never had an account with westlake financial services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Blitt and Gaines, P.C.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a complaint on my XXXX XXXX XXXX which was paid off in XXXX.A judgment was issued back in XXXX with XXXX XXXX Bank stating the sum of {$6700.00}, with interest thereon at 20.99 percent per annum in the amount of {$3000.00}, plus attorney fees, plus special process server fees, making a total of {$9900.00} with payments starting XXXX XXXX. All payments were made through ACH from my bank account totaling {$7500.00} from XXXX/XXXX/XXXX through XXXX, then additionally {$1800.00} through garnishment XXXX thru XXXX which total {$9300.00} which was paid, then when the last garnishment payment was made in XXXX the Attorney that handled this case no longer ACH nor garninshed nothing from my account at all, she was not never heard from. Then come XXXX, that 's when XXXX XXXX ( as Assignee of XXXX XXXXXXXX XXXX ) came at me stating I owe {$18000.00} for the same judgment and been garnishing my checks since XXXX XXXX XXXX which total {$7900.00} more that was token from me. Then after the end of XXXX nothing was token, I thought it was over and finished because nothing was done in XXXX thru XXXX, but come XXXX XXXX XXXX XXXX came back stating I owe {$18000.00} and started garnishment my account again which started XXXX XXXX to present another {$2200.00} dollars has been token from me. So actually I then paid out over {$20000.00} dollars and they not stopping. I just want this to end because like I said this car been paid off. Even through XXXX is on the judgement XXXX XXXX XXXX is the creditor now collecting from me. I have all Statement, proof of garnishments payment, Itemized categories, notes and emails, and ect showing reasonable doudt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: DC
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I loaned a friends son money for food in the amount of {$250.00} XX/XX/2022. On XX/XX/XXXX a repayment was sent to me money to pay me back in XXXX separate transactions. The person I loaned the money to is XXXX XXXX. On XX/XX/2022 I received via VENMO {$50.00} and {$100.00} and {$100.00}. ( The name XXXX XXXX was the sender in my transaction list ) to repay the loan. On XX/XX/XXXX a XXXX XXXX disputed the transactions and VENMO, with out my knowledge or consent or even asking me took the money from my account and sent it to someone. ( I don't know because their are XXXX names and XXXX of them are fictitious made up by XXXX. I immediately contacted VENMO as soon as I noticed, because they never informed me,. I was told initially since it was a chargeback I would have to wait up to 75 Days to get a resolution. after almost 85 days, numerous phone calls, being placed on hold for an hour at a time, hung up on, " disconnected '' apologized to and lied to I received an email on XX/XX/2022. This email said the bank sided with the sender and I am not getting my money back. At that moment I requested an investigation, was told it would be escalated I would get a response in XXXX to XXXX hours. XXXX week later after emailing every day and calling. I was basically told the same this that it was being investigated and to just wait. Now that we are at almost 4 months since the initial fraud happened and my money dissappeared. I have hundreds of hours into my attempt to resolve this but they keep telling me the dept handling this has no phones so all I can do is email and wait for a reply. with in XXXX to 2 days. This never happens. They are giving me a complete runaround. I am a good customer. Can't believe they have avoided an investigation. With three names on one transaction not including mine. ( XXXX of which, I don't even know. ) How is this acceptable??? I want my {$250.00} back immediately. Plus I would like {$500.00} extra from my time and my stress. Please help me get this fraud dealt with!! Since XXXX I have been demanding an investigation of fraud and I have been ignored and given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: DC
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: NY
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:
There are several inquiries on my credit report generated by Experian. Particularly, there are eight inquiries on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquires are as follows : XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX inquiry made on XX/XX/XXXX ; XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX, inquiry made on XX/XX/XXXX ; and, XXXX XXXX XXXX, inquiry made on XX/XX/XXXX I have no business or open accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX. I do however have a checking account with XXXX XXXX XXXX and an active credit card with XXXX XXXX. Nevertheless on those specified dates, I did not have any interaction with any of these companies. When I called XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX, they said because they do not have any accounts with me, they could not have possible issued any inquiries for me or on my behalf. When I contacted XXXX XXXX XXXX and XXXX XXXX, they said they do not have a record of making any inquiries. 

By way of certified mail, on XX/XX/XXXX, I wrote Experian and disputed the foregoing inquiries. ( See attached copy of dispute letter with proof of service ) Having NOT received any notice or response from them regarding the inquiries, on or about XX/XX/XXXX, I called to check the status of the inquiry and spoke to a representative who cursed at me, not before hanging up the call. I called back and lodged a complaint against that representative, and of course, didn't hear anything back from them. To date, I have yet to receive any written correspondence from them regarding these disputed inquiries.

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 2019-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i went to XXXX left my card behind and endured an extra charge. XX/XX/XXXX I went to pay my mortgage was low saw the charge and reported it. BofA issued me a temp credit. On XX/XX/XXXX they denied my claim and reversed the credit. With no actual investigation conducted. Now I have appealed an investigation began I filed a statement as well as police report. BofA has terrible communication and resolution procedures. They have not given me back my money. I am negative and have been since they reversed the incorrect charge against my account with no justification. Please 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 monetary relief
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Name and address is not correct if sent in a dispute letters XX/XX/2021 and haven't received a response. This is causing great stress.

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 2019-02-08
Company: Lockhart, Morris & Montgomery Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is over 4 year 's old was bought out in XXXX and re-open. Lockhart never contacted me, nor sent letter. Just put it on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 we tried to make our mortgage payment online and over the phone an was unsuccessful... ( PHH blocked there customers ) why because PHH website stated payments unavailable and over the phone it stated no payments can be excepted at this time. This is the only business I know that blocks customers from making payments. Any other company we do business with you can call any day an any time and NEVER have an issue. Though my payment was not late what if this was the last day before it would have been late. This is the tactics of this business and this is a pattern because this is not the first time I have had this issue. There needs to something done with companies like this who are deceitful and have no integrity. I am sure that everyone who has this mortgage company feels the same way. If it's not one thing it's another. There phone system when you call you can't hear options because its pauses in the message and it goes out and in. And on the website everytime it's time for payment the website has issues and problems. What is the use to speak with the company there going to act as if they didn't no or say we are sorry and will do it again. It's a pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Alliance One, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was reported into collections which is negatively affecting my score. I had a payment plan agreement and have missed none of the payments. I also was out of work due to covid. It is unfair and I want that taken off my record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: KEYCORP
State: OH
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:
Key Bank loan. Paid off loan on XX/XX/22, still have not received the title. Called Key Bank on XX/XX/22 and as told that the title would be sent within 15 business days. I still have not received the title as of XX/XX/22.

Company response to consumer: Closed with explanation