BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ( Account Resolution Services ) is a debt collector and ARS has been harassing me for a long time to pay a debt that I do not owe nor am I obligated to pay. ARS has invaded my privacy and used abusive, deceptive, and unfair practices in an attempt to collect a debt not owed. Ars has harmed my reputation by reporting alleged debts to XXXX, XXXX, and XXXX. ARS has used obscene language through mail communication to harass and XXXX  me. ARS has produced false representation of the character amounts and legal status of alleged debts. ARS has communicated false credit information about me with XXXX XXXX, and XXXX. ARS has furnished deceptive forms in an attempt to collect an alleged debt not owed. ARS has violated several fair debt collection practices act laws such as communicating without prior direct consent in connection with the collection of alleged debts to third party reporting agencies. ARS has used unfair practices by using symbols on envelopes in communication with me the consumer through the mail indicating debt collection. I have received adverse actions when extending credit due to the alleged debts purported by ARS to consumer reporting agencies and other individuals. I am a consumer pursuant to 15 USC 1692a3 protected under the Consumer Credit Protection Act laws which Account resolution services have violated. I have attached supporting documents and exhibits in my complaint.

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 2022-11-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HELLO MY NAME IS XXXX XXXX XXXX XXXX THE BANK MADE THE DECISION TO CLOSE MY PERSONAL CHECKING ACCOUNT BUT I HAVE NOT RECEIVED THE FUNDS I HAVE MORE THAN 10 BUSINESS DAYS SINCE THE ACCOUNTS CLOSED AND I DID NOT RECEIVE MY MONEY WHAT HAPPENED WITH MY MONEY

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 2023-05-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Excess of overdrath charged

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 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check through Bank of America mobile app for {$13000.00} ( check # XXXX - XXXX XXXX XXXX ). I received notification that the deposit had been accepted and would be available the next day. I checked my email later the day and found out a 7 day business hold had been placed on the check and funds wouldn't be available until XX/XX/XXXX. I would have never deposited that check had I know ahead of time such a long hold would be placed on those funds. In addition, I initially received notification that the the funds would be available next business day. 

I called the bank on XX/XX/XXXX and was told that the bank the check was written on is refusing to pay the funds until XX/XX/XXXX at XXXX. This was a completely lie! This is a payroll check so I contacted my payroll department and they ensured me they never refused to honor the check until a specific date. I was completely lied to by Bank of America on top of them holding my funds XXXX with no advance warning. 

I understand that a bank has a right to hold your funds but there should be advance communication prior to you continuing with the deposit. I would have never deposited the check had I had known this. Completely unethical for a bank to hold your funds after they have been paid the money. This has caused bounced checks and an inability for me to pay bills. Completely unacceptable that a consumer is being treated 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 2020-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.

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 2023-07-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX INQUIRIES WAS RECENTLY UNAUTHORIZED WITHOUT MY CONSENT OR KNOWLEDGE WHICH IS A RESULT OF IDENTITY THEFT. TRIED CALLING ALL 3 CREDIT BUREAUS ( EQUIFAX, XXXX AND XXXX ) WAS INSTRUCTED TO FILE A CFPB COMPLAINT AND UPLOAD REPORT ALONG WITH IDENTIFICATION. KNOWLEDGE WAS MADE WHEN MY LOAN OFFICER INFORMED ME DURING A CREDIT CHECK BEFORE MY TENTATIVE CLOSING DATE. 

XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 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 -EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
WELLS FARGO INCORRECTLY CLAIMED THAT DURING A COVID DEFERMENT I SIGNED THE FORM BUT IT WAS NOT DATED. THEY REPOSSESSED MY CAR AND DESTROYED MY OTHERWISE EXCELLENT CREDIT BECUASE OF THIS. THIER CASE NUMBER IS 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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX acknowledged that there is no delinquent account connected to my Name, SSN, phone number, or address. The collection agency tried to verify the account with incompetent information such as an Email Address incorrect phone number and incorrect address. The information they are using to verify this account is incorrect. Ive provided my conversation with a sprint agent. They ran my name and SSN concluded that theres no account that is past due or delinquent. The Original creditor themselves confirmed that there is no debt owed therefor the collection needs to be removed.

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 2022-11-30
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-09
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/XXXX I sent out disputes to each credit bureaus asking them to block the inaccurate items on my report due to identity theft also sent in a ftc report showing items that is effecting me. According to consumer law 15 USC 1681 C-2 any credit reporting agency shall block information in 4 days upon receiving notice of breach of identity. The Credit Bureaus have failed to do this violating my consumer rights. And i am impaled to seek the proper remedies if this is not properly taken care of. 

On XX/XX/XXXX i received a letter from all bureaus stating that my request was sent in error which is very disheartening being as though I am the natural being consumer. According to procedure in case of disputed accuracy 15 USC 1681I I should be afforded a fair investigation of the disputed items to be looked into for accuracy. This matter has not been taken into consideration. 

I am asking all my request be granted thru the fairness of the law and taken care of expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

LVNVFUNDG Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
None of the three credit bureaus have my XXXX XXXX XXXX XXXX reported. It is unclear if the credit card company reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
on XXXX/XXXX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a 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 explanation
Consumer complaint received 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America has been accepting payments over the phone for the last 10 years. There is a bankruptcy involved as well. Now they are refusing to take payments over the phone and will NOT answer their phone ( s ) so that I may inquire more information as to how to pay my monthly mortgage payments. Bank of America is aware that there is a bankruptcy involved and are using their PREDATORY LENDING PRACTICES again in order to take our home away. They do this on a regular basis especially when the equity gets higher, etc. Please help us not loose our home. My daughter ( XXXX XXXX XXXX ) was a  XXXX Veteran and purchased the home with a VA Loan before she passed away. Thank 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 2023-01-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX XXXX University, XXXX for 2 years to complete my XXXX 's dgree. I then attended XXXX University to complete a XXXX credential. I earned an XXXX Credential and XXXX XXXX Degree in XXXX at the University XXXX XXXX. I then attended XXXX XXXX University to clear my XXXX Credential and earned a XXXX in XXXX XXXX. I worked for 22 years in XXXX   as a classified employee, XXXX XXXX XXXX and XXXX. All 22 years were at XXXX XXXX XXXX XXXX XXXX. 

This information is relevant because all of my education, certifications, and degrees were required for the positions I held in education. 

I applied for " Student Loan Forgiveness '' with the US Department of Education. I was told that if I pay on the student loans for 10 years AND worked in a government approved service job the rest of the loan balance would be " forgiven. '' I paid on my student loan for the 10 years and was then told that I " have the wrong kind of loan. '' The bottom line : > I have now been paying on my student loan for the past 14 years. The balance in XXXX was {$110000.00} and the interest rate was 7.5 %. Today the balance on my student loan is {$100000.00}. 
> I was able to switch loan companies in XX/XX/XXXX to FedLoan Servicing. The reason I moved to this company was to get a lower payment and lower interest rate. In the last 17 months my loan balance has been reduced by only {$160.00}. The interest rate is 4.75 %. 

I pay my mortgage every month and the balance goes down every month. I pay on my student loan and the balance has not only gone UP several years in a row, due to a high interest rate ; but it is now going down by only {$9.00} a month. 

I retired from my position as a XXXX in a XXXX XXXX XXXX XXXX XXXX   in XX/XX/XXXX. I am XXXX years old. You don't have to be a genius to see that I will die while still paying on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
on XXXX/XXXX/2020 I sent a letter to XXXX, XXXX, and Transunion to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XXXX/XXXX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a 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 explanation
Consumer complaint received 2020-07-29
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I went thru the Home Affordable Modification Program and initiated a new payment program initially thru XXXX The program included incentives for paying on time that accrued at XXXX per month, each month for the first 5 years of the Mortgage. After each year for the first 5 years, {$1000.00} should have been applied as Principal reduction to the tune of {$5000.00} after 5 years. Also a Dodd Frank Certification program enabled me to receive an additional {$5000.00} on my 6th anniversary of on time performance, XXXX of XXXX. These documents are attached. Greentree and or Ditech, never applied any of these payments they should have received from the Treasury. After several inquiries and even getting sent from Greentree/Ditech the actual documents supporting these payments, they ignored any resolution to the issue. In XXXX of XXXX, the mortgage servicing was turned over to XXXX ( XXXX ). I have made several inquiries ( five specifically, 3 phone calls and 2 detailed e-mails ) since the servicing was transferred and even sent the documentation, and have not heard anything back. I finally got to someone today ( XX/XX/XXXX ) who told me they knew nothing about this and its not their problem to resolve. I have gone to the XXXX XXXX XXXX website, and spoke to their counselors ( XXXX  ). They can't help me and referred me to this means of resolution ; as well as, contacting the Treasury department, given that's where the payments should be coming from anyway. After contacting the Treasury department, they referred me back to the XXXX XXXX XXXX website and the HUD Counselors from XXXX. I do not know who to go to in order to get these payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address on file : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX 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