BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX.Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: ID Analytics, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Was going to move to XXXX my phone will not work on there network. I received a letter from XXXX XXXX XXXX XXXX. They state my credit card score is XXXX and my score is XXXX. 

The only way this company is going to be stopped is for people to file a formal complaint with the Consumer Financial Protection Bureau. XXXX should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with XXXX XXXX and other agencies. Please, if you see this and have had any dealings with them, file a formal 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 2019-03-14
Company: Navient Solutions, LLC.
State: KY
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 would love to know how to go about investigating my loans in connection with the current lawsuit Consumer Finance has against Navient. My state has filed nothing and I am certain I could be included in this, federally and/or locally ( KY ). 

Recently, first, I tried to setup my payments for auto pay so I could get the reduction in my interest rate. It took MONTHS. They kept taking the payment then kicking it back. If I were not working for my family business, I would not have had time to do all the work I did to finally get it working. 

Second, I have been submitting payments via my bank ( online ), over and above the monthly payment that is being automatically deducted from my account. My account is setup to direct all overpayments to principle. They have applied them to interest. I can supply you with screen shots showing such. Their answer? I can hardly understand it but I am assuming it is being applied this way because it arrives before my payment is due and they're applying it to my payment, anyway??? This is RIDICULOUS. The last correspondence I received from them says it is being applied correctly. That is all! " Sorry about your bad luck. '' Can you advise me as to how I should proceed? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2021-06-08
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I reported a fraudulent transaction on our checking account to Regions Bank. On XX/XX/XXXX, I found that no action was in process and returned to the bank to complete a claim they then said was necessary to start action. After numerous calls, visits, and letters they finally issued a provisional credit on XX/XX/XXXX. As of this date, approximately four months since this was reported, no final resolution has been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The same person has been calling my phone every weekday morning for the past month or so and leaving a recorded voicemail message. They say they are Diversified Adjustment Services and I am to return the call by calling them at their number XXXX XXXX XXXX XXXX and give my reference number XXXX. 

I have no debts, never had debts and no collection agency should be looking for me. This must be a scam. Theirincessant calling is a bother. My number has been on the Do Not Call List for a long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my countless appeal that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm stimulating have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Medical XXXX Balance : {$43.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}

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 non-monetary relief
Consumer complaint received 2022-08-16
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2018 my mortgage payments were to be XXXX per recast on hemp program. Instead the are charging XXXX. 

I have spoken to ditch each month to correct this, to no aVail. 
They argue that I am wrong but eventually see the numbers. The next, month same happens. 
I have signed, the docs numerous times but they say there is a missing form. Which I never got

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX, Experian, and XXXX all report a partial account number as " XXXX. '' Account Type : XXXX reports it as an " Open account. " Experian reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account XXXX - XXXX : XXXX reports " XXXX account. " Experian reports " XXXX XXXX. '' XXXX reports " XXXX Account. '' XXXX XXXX : XXXX and Experian report " Individual account '' as the bureau code. XXXX reports " XXXX Account '' as the bureau code. 
Account Status : XXXX and Experian report " XXXX '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX, Experian, and XXXX all report a date opened of " XX/XX/2023. '' Balance : XXXX, Experian, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. 
XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX, Experian, and XXXX all report a high credit of " {$770.00}. '' XXXX XXXX : None of the bureaus report a credit limit for this account. 
XXXX XXXX : None of the bureaus report past due information for this account. 
XXXX XXXX : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX, Experian, and XXXX all report a " Last Reported '' date of " XX/XX/2023. '' Comments : There are comments indicating that the account is placed for collection. Experian also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : XXXX and XXXX report a " Date Last Active '' of " XX/XX/2023. " Experian reports a " Date Last Active '' of " XX/XX/2023. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " CO '' ( charge-off ) for the month of XX/XX/2023, while XXXX reports " OK XXXX for all months. XXXX does not provide a payment history for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
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: Their investigation did not fix an error on your report

Complaint:
I sent TransUnion a letter on XX/XX/XXXX asking them to remove my PAID AND RELEASED FEDERAL TAX LIEN FROM MY TRANSUNION credit report. I received a response dated XX/XX/XXXX with results Verified as accurate. I did not dispute the paid and release was not mine. I ask that the information be removed as it is over the 7 years date. 

Per the information on the TransUnion web site and I QUOTE A tax lien can be one of the worst items to appear on your credit report. Its considered very negative and can cause your credit scores to drop significantly. Even worse, under federal law, unpaid tax liens can remain on credit reports indefinitely, though in practice credit bureaus may remove them after a decade or so. ( Once paid and released, a tax lien must be removed seven years from the date it was filed. ) My Federal tax lien was paid and released. I also sent the proof of this information to TransUnion and they have failed to correct 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 explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-08-16
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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2022-08-16
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo froze my account while I was trying to link a new bank account to it. I can not transfer money out of Venmo, or use Venmo to send money as a result. 
I reached out to Venmo support FOUR times, two times through online chat, one time through phone call, one time through email, but their incompetent customer service never resolved the problem. Each time, they would promise to get it resolved or " escalated '' within 24-48 hours, but I never heard back from them. I was also asked to submit the sensitive ID and bank statement materials, which I did, but they never replied. I grew increasingly frustrated with Venmo. I need to get my money out of the Venmo account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: PNC Bank N.A.
State: IL
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/2020 PNC bank let a charge for {$140.00} go through on my account with no money in my account. This has caused an initial overdraft fee of   {$36.00} the next day because I did not have the funds to deposit into my account. Since then I have been getting charged overdraft fees every single day which caused a total amount as of today for {$120.00}. My account is currently overdrafted {$330.00}. I put a stop payment on two charges so that they wouldnt go through so that was {$36.00} each that was assessed to my account. I dont mind paying those two {$36.00} stop payment fees because I needed them. called to let PNC know that I dont have funds to deposit until Monday XX/XX/2020. I also asked if I can have the overdraft fees waived on my account because I cant afford to pay them that much money. I spoke with a regular rep and a supervisor and no both said that they couldnt help me. PNC is very greedy and if I didnt need it to send a XXXX payment to my landlord every month I wouldnt have this account. I really need someone to please help me any way they can to waive the overdraft fees assessed to my account due to a charge for {$140.00} that went through with a {$0.00} balance on my account. Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Since I XX/XX/2019 when I first found out that my Bank Of America Cash Rewards Credit Card was completely comprised since XX/XX/2019 by a few roommates. Fraud charges against the card were made, Fraudulent Payments and again more charges. I had the account on automatic payments so up to a certain time I was paying for charges I did not commit. I have contacted Bank Of America ( who got bailout ) but when one of there customers were victims they chose to disregard my claim. Impacting my credit. After countless letters to XXXX and Bank Of America my account to this day has not been given proper credit for unauthorized activity and I have yet to get a replacement card. Bank Of America Their consumer credit cards are covered by the banks Total Security Protection service. 

That includes a {$0.00} liability guarantee. The bank will reimburse you for any fraudulent credit card transactions. They can credit your account for fraudulent charges made. Why was I not covered under a promise made to its consumers?

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 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was XXXX  in XXXX and an account was opened in my name while I was away. Bank of America allowed someone to open an account under my name and when I came home in XXXX I tried opening an account and was denied by several banks I then found out I owed Bank of America money so I called because I had closed an account with them before but I didnt owe them any money I was sure there was a misunderstanding. Ups on speaking to them I was informed I was negative over {$300.00} and that the account was closed due to frauds activity. They informed me a check was deposited and the account was closed because the check was fraudulent and I explained to them I was in  XXXX  and had no access to opening an account I asked if I can file a report they took a report of fraud and Said it will take 30 days. I called a months and a half back and they told me that since it was under my name Im responsible that the bank was a victim I told them Im a victim I cant open an account and Ive since realized some credit cards with XXXX  XXXX  were opened too and I owe there too. The Bank of America person told me i not considered a victim because they are the ones who lost money so I cant remove this and im XXXX listed on XXXX  for 5 years. I can prove I was XXXX im sure there are cameras and we can see that the person was not I how can I fix this

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 2022-08-16
Company: EQUIFAX, INC.
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:
I am a natural person, I am a living human being. I have rights under 15 U.S.C. 1681. 

Equifax is govern by 15 U.S.C. 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because ; According to U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX, ACCT # : XXXX Account : XXXX, ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX Account : XXXX  XXXX XXXX XXXX ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX

Company response to consumer: Closed with explanation