BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against XXXX XXXX and a lawsuit. 

FTC REPORT NUMBER XXXX AND XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Synovus Bank
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please consider this letter as my formal complaint against XXXX XXXX who has not placed a notice of dispute on my account within 30 days of my dispute. 

I have sent a certified/return receipt dispute letter to XXXX XXXX requesting verification of balance owed on the closed account. This dispute letter was received by XXXX XXXX on XX/XX/2018. I sent another certified/return receipt letter informing XXXX XXXX that the notice of dispute was not furnished to the credit bureaus. This letter was received by XXXX XXXX on XX/XX/2018. 

XXXX XXXX  has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

They are liable for willful noncompliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( i ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below : - 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 2019-01-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a state employee, working for a college, i take my finances serious. I'd like for this information to be removed from my profile.

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 2019-08-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There is an account on my credit report that was originally opened and reported as delinquent in XXXX from XXXX XXXX and a company that was contracted to collect the debt. First and foremost, someone used my credit to obtain energy services from XXXX XXXX  while I was not living in the dwelling that the bill is registered to, but on top of that fact, every couple of years, the credit reporting agencies keep reporting the account as a new account on my credit report when in fact this account has been on my credit report since XXXX or XXXX. Today, XXXX this account is being reported as an account that was opened in XXXX. I disputed the account and notified them how long ago this account was originally posted and they still are reporting it as new through Experian.

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 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Im trying to link my bank account to a site because their giving XXXX money away to XXXX XXXX an its faster an pnc blocked the option

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am XXXX XXXX XXXX and XXXX XXXX veteran due to service connection. I can not get relief from AES for my private student loans, not only that but I had to lose credit for the entire semester of school because I enlisted in XXXX XXXX for the XXXX and did not get a refund from the school in the spring of XXXX due to my ship out date being before the end of school. They call me countless times and the stress from those calls is extremely burdensome and makes my XXXX worse every day. My federal loans through them were relieved ( XXXX ) years after my XXXX and XXXX XXXX became effective ( XXXX ) because I was not notified that I was eligible to do that. The calls every day, multiple times, and calling my parents who I do not live with that were co-signers over a decade ago all affect my mental health negatively. Its repeated multiple times a day and then they call the co-signers causing them to call and harass me because they threaten them with credit reporting. 

AMERICAN EDUCATION SERVICES does not care that I was XXXX due to my military service, they just want to harass me to pay them daily. Its bad enough that I lost freedom and the ability to live active due to my service but this company calls daily and threatens and harassed me affecting my XXXX. They dont care about US service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: TN
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:
Notified my mortgage lender several times in XX/XX/XXXX that past payment history has not been updated since XX/XX/XXXX. Both Equifax and XXXX  shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. 

Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1 ) I noticed fraudulent transactions on my credit card ending with XXXX on XX/XX/XXXX. The amount in the fraudulent transactions were : {$7.00}, {$370.00}, {$1.00}, {$23.00}, {$33.00}, {$1.00}. I immediately reached out to the bank ( Bank of America ). 

2 ) They canceled my credit card and issues me a new card and took the charge off my credit on  XX/XX/XXXX. 

3 ) In about second week of XX/XX/XXXX, I received a letter of Bank of America stating that I had benefited directly from the transaction ( s ) made on the account.As a result, I will be responsible for the balance on account. 

4 ) I contacted them again stating that the I never did the transaction and I don't agree with their review. They told me that they will investigate again and I will see the charge taken off my credit card after about two weeks.

5 ) Today i.e. XX/XX/XXXX I contacted Bank of America again through phone inquiring about the review and I was told that they have confirmed that the review done by them was correct and they will not take the charge off my credit card.

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 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
this complaint is regarding Bank of America credit cards ( 2 ). I had a credit card which had been set up on automatic payments, had a XXXX balance for several Years. I began using it again in XX/XX/XXXX and received my monthly statement with a due date of XX/XX/XXXX and a minimum payment of {$30.00} with a balance of {$2000.00} but did not pay it since it had previously been set up on automatic payment ( all of my bills are automatic payment ). I have these accoutns with BA for over 10 years with XXXX late payments. Today XX/XX/XXXX I got an email that BA had not received my payment and was lowering my credit limit to the amount of my balance on 2 cards, the other card which was not late. I called customer service and made a large payment of {$500.00} today. I also called BA customer service and filed a complaint with the following reasons : 1- their website is difficult to navigate and difficult to set up automatic payments. 2- I had never had a previous late payment with them 3- the decision to lower limit was arbitrary and not based on previous slow credit payments with them 4- the arbitrary decision to lower my credit limits could negatively impact my credit score with credit reporting companies. XXXX there is no " grace period '' or notification that your payment is past due.

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 2019-01-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent money to my daughter on XX/XX/19 via Moneygram. I received an email at XXXX XXXX  stating transfer sent and ref # XXXX. My daughter went to pick it up around XXXX XXXX  on XX/XX/19. She called me and said the transaction had been cancelled. I said let me log in and see what is going on. I could not log in to the website and I still can not log in to the website. I have screenshots from two different web browsers showing the error. I finally was able to track the transfer with the ref # but it just said cancelled no other information. I call Moneygram and was told Moneygram cancelled the transaction and will not give me any further details due to security purposes and that I will never be able to use Moneygram services ever again. I can expect my REFUND in 3-10 days. ABSOLUTELY UNACCEPTABLE. If they cancelled the transaction due to security reasons and reasons they won't  tell me, they should not have touched my money. The transaction was cancelled, therefore the authorization to access my account was also cancelled. I want these thieves held accountable and this pursued to the full extent of the law. False advertisement of a service they could not deliver, theft of funds from my account, withholding the reason why my transaction was cancelled but my money was still taken. I am also filing with the Attorney General. I need to know who to contact to file theft charges and damages for their deceptive practices. I want to hear from someone on this complaint - I have filed a complaint before and no one ever contacted me so I doubt it was ever investigated. The thieves in this country need to be held accountable just like with any other criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, I filed a dispute with XXXX  and LexisNexis regarding bankruptcies that are being reported by LexisNexis without my authorization and approval on my credit. XXXX XXXX is reporting this information without consent and refuses to remove all of my information from all of their databases. I've asked for signed authorization for them to report this information and I have not received a response to my request. I did not and do not give LexisNexis authorization or consent to report any of my information or hold any of my information in any of their databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company, XXXX XXXX XXXX, shows on our account history they have been paying PMI monthly out of our escrow in the amount of {$170.00}. Our escrow balance has been reduced monthly by this amount, ( in addition to payments for homeowners insurance and property taxes ). In XX/XX/XXXX, XXXX  reduced our escrow account by an additional {$4300.00}, showing it was to pay  PMI. My wife called the company to inquire about this and the rep seemed unable to explain the issue, then finally stated the PMI payments they were making had been sent back to them so they had to pay two years of PMI all at once. We have not even been with this company for two years. My wife asked if all the payments they showed to escrow in the amount of {$170.00} were sent back to them why was the escrow account not credited in that amount. If they were collecting that money as part of our monthly payment and it was not received by the Private Mortgage Insurance Company,  where did the money go? The representatives she spoke with were very evasive and were not able to answer her questions. They advised they would get back with her and no one has yet to contact us to explain this. Today, we received notice that our monthly payment was going up {$200.00} due to an anticipated shortage in our escrow. This shortage is due to their withdrawal from our escrow for the {$4300.00} that no one from the company can explain to us and their own accounting does not support. I called XXXX  again to inquire about this issue and the customer service rep could not explain the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2018 Deposited via ATM {$1800.00} at a PNC Bank Branch in XXXX, VA into my PNC checking account. After taking my funds, the ATM immediately displayed a temporarily out of service error and my debit card was ejected shortly after. However, my account was not credited to reflect this deposit. I went into the bank to resolve this issue, but none of the employees at this bank branch has access to ATM. My only recourse is to file a dispute. The dispute takes up to 10 days to be resolve and for this entire time, I don't have access to my funds. Because of PNC 's faulty ATM, I don't have access my funds for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I received a debt collection letter from XXXX XXXX XXXX DBA Debt Recovery Solutions in XXXX, NY attempting to collect a {$290.00} debt that is clearly not mine. I contacted the company explaining that the debt is not mine, that I am not related to the debtor or beneficiary of the debt, and that I did not reside in the state where the debt was incurred at the time it was incurred. XXXX responded with a copy of the original invoice, showing the debtor is definitively not me, yet still demanding immediate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Membership Fee issue with Citibank Membership Annual fee posted of {$350.00} on XX/XX/XXXX for citi prestige credit card. I called citi on XX/XX/XXXX to downgrade card to a no annual fee card. Per their policy I should get a full refund with 30 days of fee posting. I downgraded the card to a citi preferred no annual fee card. This was confirmed the same day. 

On XX/XX/XXXX I called citi again because the membership fee was still not refunded-almost a month since I downgraded cards. They said I had to wait another 30 days for the fee to be refunded. In the mean time I was charged a late payment and interest for the {$350.00} membership fee. 

The membership fee was refunded {$290.00} on XX/XX/XXXX at only a prorated amount. 

I called on XX/XX/XXXX to inquire about this. They said they will send a request up the chain. 

I called again on XX/XX/XXXX to get my full refund but after 30 mins they again offered to send a request up.

Citi has taken months and has not given me the full membership refund.

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 2021-03-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/2020 I have tried exhaustively to work with Experian to mitigate the damage to my credit report that is the result of identity theft. I have submitted the required documentation to have specific information thats on my credit report blocked and is the result of identity theft, but each time they respond with the same email telling me that I have not submitted the required information. In this email they list whats required to be sent, all of which they were in fact already provided. Since XXXX I have spent more than XXXX hours trying to deal with them, but they make it impossibly hard to speak to anyone over the phone and when I do get through to an actual person, rather then help with my concern, I get transferred around to different departments until eventually someone hangs up on me. Their failure to act in accordance with the law in processing my block request has resulted in actual damages, as the credits i actually do business with see me as a high risk solely as a result of the fraudulent information on my report. 

I have attached copies of the documents I have sent them as well as their most recent reply.

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 2019-01-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Thank you XXXX XXXX enclosed is a copy of the credit report that you show as owning from Experian, I have disputed with Experian and they state the company listed { you } validated the account you are validating an alleged account that you do not own and reporting on it. you stated in case XXXX you do not own this alleged account and you can not do anything on credit report, { then how can you report and validate this alleged account that you state you do not own Experian state you validate alleged account, please remove the account with your name and stop reporting on an alleged account you do not own

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