BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
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:
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.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven 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 2023-03-14
Company: Experian Information Solutions Inc.
State: NC
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: VA
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 mailed several disputes for a Chapter XXXX and a Chapter XXXX Bankruptcy to the following credit reporting agencies : XXXX, Equifax, and XXXX. The first letter was sent to each CRA on XX/XX/XXXX, requesting the method of verification. XXXX deleted the Chapter XXXX, but verified the Chapter XXXX as accurate. Both Equifax and XXXX verified both as accurate. No one sent me the MOV. On XX/XX/XXXX, I requested the MOV once more, with the same verified response from all three agencies. On XX/XX/XXXX, XXXX sent me a letter stating that both public records were deleted from their record as unverifiable. XXXX is listed by each of the CRAs, on their websites, as being the furnisher of such information prior to XX/XX/XXXX. Which would cover what is being reported by all three CRAs. On XX/XX/XXXX, I mailed proof from XXXX XXXX and a request for deletion due to no response on the MOV matter. I also requested that XXXX/ XXXX XXXX be removed, as it is reported as attached to the Ch. XXXX. Equifax and XXXX verified as accurate, while XXXX never opened a dispute. On XX/XX/XXXX, TransUnion verified, by phone, that the letter was received ( the other disputes were open/closed in the letter ), but that item was not addressed. They would need to " open up a dispute '' to investigate, even though they received the original request. Or wait for it to drop off. I declined because I should not have to wait another 30 days, when they failed to investigate my request. This in particular makes me feel like nothing on my dispute letter was ever truly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a HELOC with Bank of Hawaii since XXXX of 2019 and they wont send neither my mortgage statements nor my end of the year mortgage interest statements for tax purposes. Its been almost 4 years of phone calls to their listed numbers and several in person visits to the XXXX and XXXX bank branches requesting my statements with no results so far I even switched delivery address at their request even though I get all of my mail to the previously provided po box with no issues. I even get Bank of Hawaii mail offers to enroll in Hospital Insurance and Change of Address notifications. I am attaching photos of the above mentioned documents to prove that Bank of Hawaii has the correct address. 
It makes no sense to me that they wont send me my HELOC statements but they send me other correspondence. 
I strongly believe Bank of Hawaii is not following Federal regulations regarding mortgage lending and its incurring in unfair lending practices that affect me as a consumer. 
In case you need to know, the last person I spoke to over the phone is XXXX XXXX and hes a supervisor for Bank of Hawaii. He told me to contact him at XXXX if I didnt get my statements in the mail by XX/XX/XXXX which I tried to do but the number he gave me is not a Bank of Hawaii number. 
Be advised that the account number given in the next step is my Bank of Hawaii checking account number since Bank of Hawaii wont provide me with any documentation related to my HELOC, I apologize for the inconvenience. 
Please help me with the above mentioned issue since Bank of Hawaii keeps giving me the runaround. Imagine that I dont even have any paperwork to provide proof that I have been fulfilling my part of the contract. I dont even have my HELOC number, payment history, remaining balance, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately 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 non-monetary relief
Consumer complaint received 2023-02-11
Company: LEXISNEXIS
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:
Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ) You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the XXXX name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a victim of the XXXX fraud activity, my checking account with Bank Of America have been linked to the XXXX digital wallet and data compromised. Funds were transferred to XXXX and account blocked to enable withdraw or reverse. 
I have opened the dispute with XXXX, but there is no help or clear respond what happening. I have opened the dispute with Bank of America, and freeze the account for investigation. However, Bank is not willing to protect my right- but saying that it is my responsibility with XXXX. I have called to the Bank to report for the suspicious activity, have called to XXXX to stop the transaction. There is no cooperation from both XXXX and Bank, but my funds are stolen wallet to wallet. As of now, I don't have access to my funds in XXXX and I never was able to reverse the transaction on Bank side. 
ACH transactions : XX/XX/XXXX = 5000USD XX/XX/XXXX = XXXX XX/XX/XXXX = 1000USD XX/XX/XXXX = 1000USD XX/XX/XXXX = 16000USD XX/XX/XXXX = 15000USD XX/XX/XXXX = XXXX XX/XX/XXXX = 15000USD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
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: Old information reappears or never goes away

Complaint:
I paid my student loan off in XXXX, with XXXX  college. The credit report never had XXXX  college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop XXXX  together we have had enough

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Good Morning, Capital One has caused unnecessary fraud on my credit bureau account. They said they sent a letter to my XXXX and never did back in XX/XX/XXXX stating I owed them XXXX more dollars. Please note they accepted a payoff of $ XXXX They never have told me I owed {$250.00} or sent a letter stating that in writing. Their response was they wrote my XXXX. That is untrue they never did. I checked with my XXXX on XX/XX/XXXX! 

In turn this has accumulated late fees since XXXX or XXXX of XXXX. So, the amount of this fraud report is costing my credit score to plummet. This company is causing unnecessary fraud against me. I called their Corporate Offices only to be told I can only be on hold for 10 minutes because they are so short staff. This was yesterday XX/XX/XXXX. I also requested letter from them via XXXX on XX/XX/XXXX. This never came. Then I requested for an email response sent by phone call on on XX/XX/XXXX. Yesterday I also sent an email to their CEO on XX/XX/XXXX requesting this to be rectified off my credit report. I also wrote the credit bureaus about this last year and only received one response. It was not in my favor. I do not recall that exact date. So, I am consulting with you, would you please give me some assistance with my dilemma Capital One has caused me. 

I appreciate your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, Per myself and Mrs/Ms XXXX 's ( excuse me if misspelling is involved ) on XX/XX/XXXX, I was told to resubmit the documentation to dispute and reconsideration my unauthorized/fraudulent activity illegal committed on my money network account resulting in my funds being stolen. 


My home was burglarized in XXXX police report # XXXX, in which the " theft '' my XXXX XXXX phone was utilized in to create a passcode with my Sim card ( which is a card in my phone that had my phones number & personal information [ is what XXXX police Sgt explained ] to utilize my full identity to autheicate me to fraudulently steal my funds. I also was a victim in XXXX of " identity theft '' in which my credit file now is required to have a " seven year '' updated fraud alert placed on it for my protection, in addition to my credit/personal information being found on the dark website as recent as XX/XX/XXXX, and as long as XXXX. 


I'm kindly requesting that my information be reviewed and money network and XXXX XXXX of the legal liaisons do their due diligence ( no offense ) in investigating my documentation and reversing my funds so my family and I can be, not recompensed, but made whole, as to our prior state when the IRS ( who has on their file the discrepancy and informed me to contact money network to be made whole ) distributed our stimulus. I will not stop, until my legal rights of due diligence are upheld, respectfully. 
( I've sent in additional Documentation yet the company will not provide a refund nor provide valid reasoning as to why my funds are being stolen with no reprimand ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not owe this debt. I have submitted paperwork to them for proof. They call me relentlessly after I have asked them to stop. They are unfairly reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF ) application ( Exhibit A ) to be considered for loan forgiveness under the Limited PSLF Waiver Program. 

On XX/XX/XXXX, MOHELA sent me a letter ( Exhibit C ) via mail stating that my PSLF application was missing information including 1 ) missing physical signature on the PSLF application, which is inaccurate as I physically signed all required forms, and 2 ) employer certified dates in Section 3 were wrong because the employment end date is before the employment begin date which is also inaccurate since I am a current employee at XXXX XXXX XXXX. Please see the original application I submitted for the required correct information. The employer form is accurate and was filled out correctly by XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I sent a letter to MOHELA via certified mail asking for the status of my student loan forgiveness. MOHELA did not respond to my request. I believe I have met all eligibility requirements for student loan forgiveness under the Limited Public Service Loan Forgiveness Waiver Program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2021-02-04
Company: Americas Car-Mart, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Car Mart XXXX XXXX  Texas violated several laws. Repo ( in house associate ) called after the fact to gloat and brag that the vehicle had been taken. Using vulgar language and aggressive behavior! Left me stranded in Oklahoma XXXX  miles away from my house, in a closed parking garage- did not tell the local authorities and proceed to call me 8 times before I picked up. This situation left me scared and fearful. Not knowing if the psycho was near by. Now I contacted the dealership and now know why that associate acted this way. All associates at this location need a good training lesson in customer service and type of laws that go with a Repo. Would not allow me to get my belongings except on their terms and are not willing to get the items when I was available to claim them. Claimed to press charges against me for making the building scared of phone calls tying to understand why they did this over {$94.00} and to get my property out of the car. Police officers called me and were cool and understanding and said I was a laid back guy with a clean record and that I can reach out for them to escort to the dealership and claim my stuff ... ... but car mart only said I can get it XX/XX/2021 @ XXXX XXXX  - I have sent an email saying I need to reschedule to a weekend and they will not work with me!! Breaking the law yet again wow!! 
Btw got a letter XX/XX/2021 saying I need to contact them to resolve the issue. This was sent XX/XX/2021 - they repoed the car XX/XX/2021 - wow gave me less than a day - but didnt even get the letter until the XXXX - no previous letter or communication has been done in regards to this matter. And i only owed XXXX or so. I have everything needed in regards to the mentioned statements above, phone numbers and documentation. Looking for my rights to be acknowledged and for car mart to apologize for the overall XXXX poor business ethics. Not wanting the car and would like to move on but ... ... .since they did break the law I must pursue and in the meantime contact every business bureau so other customers will not do business with them anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Hatfield, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a payday advance from this company. when I went to try and pay it back it always said something is wrong with your card. I didnt think most of it at the time because I seen that they were taking small amount out of my account to go towards the loan. When when I noticed they was taking a monthly payment amount of {$10.00} I went to check the app because I know I selected a free subscription. When I go on the app it does say Im under a free subscription but when I reach out they say Im not. But they can not example to me why my subscription says free and Ive sent them a screenshot of my subscription showing free. This company has taken over {$100.00} out of my account. With my subscription as free in the app but saying they see its not, I feel that this is misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
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/2022 I was charged an overage fee, my account was low but not overdrawn. This however put my account into being overdrawn. I put money into the account on XX/XX/XXXX. I sent a message to Suntrust online account support and was told due to delays it would take 24-48 hours until I heard from anybody. Spoiler alert, I never did hear from them. My account was then hit with a 2nd overage fee, which wouldn't have happened if they corrected their error in the first place. Today I have been on the phone and on hold with them and the agreed that my account had not gone over balance that they would do a 1 time COURTESY refund. I told him that's not acceptable that their creative math is what caused the overage in the first place. It is predatory to charge someone an overage fee when their account is not overdrawn. After notifying " XXXX '' that I was recording our conversation and had my banking info that shows I did not go over I had to wait another length of time for a supervisor XXXX. After a lot of back an forth it seems that the money will be back in my account Tuesday if I have no more overages due to this. It is unfair for financial institutions to treat people this way.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3.00}, XXXX XXXX XXXX XXXX : {$5700.00}

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