BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my o

f my Risk View Disclosure report for my own review. My name is XXXX XXXX XXXX my current Em
ployer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following addresses : 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 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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am natural person I am a living human being and i have a right under 15 usc 1681 and Equifax violated my rights numerous times and i demand these accounts listed below be removed according to 15 usc 1681.I have the rights to privacy and i did not give equifax permission to furnish these accounts. 

XXXX XXXX XXXX XXXX Delete Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I, purchased the above {$200.00} Gift Card. However, Someone illegally registered their name to this card. I explained to customer service that the name registered to this card is illegal and fraudulent. I 've sent them numerous faxes and mailed them letters to prove my ownership of the card but the company has ignored me.

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 2022-08-16
Company: EQUIFAX, INC.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Non refundable processing fee of {$120.00} due to unknown legal order. As a result, other transactions became insufficient funds with fees.

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 2023-09-30
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
this morning i opened the GM app to make a payment of XXXX ( 1 month and still owe one more ) I selected the ACH method of payment on file with GM. Red note said account not acceptable use different ACH account which I added then attempted again with same comment. 
I called GM XXXX  XXXX  department and they said to use debit card. XXXX weeks ago, our bank info through XXXX was hacked so we had to have new debit cards issued which i added to my profile today on GM website. I then made a payment of XXXX immediately on my phone a transaction from XXXX XXXX XXXX XXXX showed a withdrawal of XXXX. I did not error on this. This is on your end. I called GM XXXX department and the supervisor stated there was nothing he could do and that I would have to dispute through my bank. I have been with XXXX XXXX  for XXXX years and then confirmed the investigation could take up to XXXX months. 
I HAVE A MORGAGE DUE XXXXAND CAN NOT PAY IT! and told your department this. Still no resolution telling me there's nothing that can be done. 
The truck is pending sale next week and not only have they taken the one payment but three! Then to top it off it has always taken 3-5 days to process payment. Today I tried to delete the payment and the system said in the middle of up dates. They actually processed the payment same day!! Never has that happens before. I work at XXXX XXXX and I am putting them on blast to every XXXX I know!! They took a payment that was not even due yet! XXXX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
In XX/XX/2020 I sold my condo and during the closing my HELOC with XXXX XXXX was paid off and both the HELOC and associated checking account was closed. I have had a credit score of 830+ for years, and now suddenly it's plummeting every month because XXXX has reported the checking account as delinquent for some overdue payment. I have called customer service and they told me no accounts are showing as open and that I had to send an email to a seemingly unmanned email address " XXXX '' which I did. I have followed up three times and get no answer. Meanwhile, every month my score drops by 100 points. I wanted to buy a new home, now I can not. Calling XXXX XXXX customer service is a multi-hour affair always, and the email address is a complete void. I have spent at least 15 hours on this and can not get anywhere with them, they just don't care. 

They're basically ruining my life and I have no recourse. No one will help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NJ
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:
The following was sent and received by reporting company Equifax. 
This item was removed but then showed up again on my credit report. 

This is illegal. 

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions with the consumer to whom it relates. 
I, XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. 
A copy of the law attached with this a dispute letter concerning the account listed below, as a consumer, I am demanding a deletion of this account below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: ME
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:
Heartland ECSI is the servicer for my Perkins Loan. Over the past several months of the pandemic ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), ECSI has continued to charge interest on this loan in violation of the CARES Act, signed into law in part to halt interest charges on federal student loans. 

I never stopped paying my Perkins loan during the pandemic, in part because ECSI has been difficult to deal with in the past. However, when I reviewed my loan statements in the past few days, I noticed that my payments for XXXX, XXXX, XXXX, and XXXX were being applied to interest first, then principal. The CARES Act was supposed to prevent loan servicers from collecting interest until XX/XX/2020. That is not happening, and I suspect Heartland ECSI is committing this same violation to most, if not all graduates/students who hold Perkins loans. I applied for a forbearance to halt payments so I could have time to research this. Heartland ECSI applied the forbearance for XXXX and XXXX. I am a public servant attorney for a state government, and have worked very long hours during the pandemic ( up to 15 hours per day ) to serve the people of my state. My vision has deteriorated drastically during the pandemic due to these long hours and time spent using computers. I have incurred {$1400.00} in XXXX costs over the past 3 months alone for my eyes. 

ECSI Heartland is the only federal loan servicer that has continued to charge me interest. The interest stopped on my XXXX XXXX loans and my other federal XXXX loans serviced by XXXX. I don't know why my Perkins loan is being charged interest when others are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was hit by the 1-9 Debris flow, qualified/FEMA, mudslide disaster in XXXX XXXX XX/XX/18. Insurance payments to allow me to rebuild are legally held by Ally Bank and XXXX, the loan servicer. In order to pay invoices for work on my home, I have to request money from XXXX, submit to their arduous documentation standards and call them almost every day for 30 minutes to 1 hour. With over {$200000.00} remaining in my escrow account, the bank has decided it will refuse to release any more funds. I have {$200000.00} in invoices due that I have submitted to them, but they refuse to pay. Prior invoices were paid so late by XXXX that they were 2-3 weeks delinquent. I have gone through each manager, used their disupute process and complied with every demand. The money, originally hundreds of thousands of dollars, they are holding in escrow is actually money that I obtained from the insurance company to rebuild my home. Invoices are going unpaid, the contractor may stop work on my home and send me to collections while XXXX  and Ally bank sit on over {$200000.00} of my insurance proceeds. Please help me to get them to release the money that I need to pay my bills.

Additionally, California State law ( XXXX. ) requires them to reimburse me at least 2 % interest on all funds they hold in escrow. They have refused to pay me this interest or acknowledge that it is due. Others with loans serviced by XXXX  also hit by the mudslide have had the same response from XXXX.

This issue has been handled through there telephone service center without results. It has been formally rejected by " corporate '' repeatedly. It has been forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX, South Carolina XXXX XXXX XXXX, AMB, AMP, Senior Director of Mortgage Servicing Operations Ally Bank XXXX XXXX XXXX. Fl. XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX Executive Vice President/ Borrower Operations/ Executive Committee XXXX XXXX XXXX XXXX , NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BBVA REFUSES TO ALLOW ME TRANSFER MY FUNDS FROM MY ACCOUNT. THERE IS A SERIOUS ISSUE WITH THIS BANK. FIRST OF ALL, THEY DO NOT ALLOW ME TO PERFORM AN ACH OR WIRE TRANSFER. THEN, THEY SEND YOU AN E-MAIL TELLING YOU THAT YOU HAVE TO CALL THE FRAUD DEPARTMENT. THE FRAUD DEPARTMENT NEVER ANSWERS THE PHONE!!! 

THEREFORE, MY FUNDS ARE LOCKED INSIDE THE BBVA BANK AND THEY SIMPLY REFUSE TO MAKE MY FUNDS AVAILABLE TO ME. THIS IS OUTRAGEOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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  XXXX   XXXX ,  2017  I submitted letters to   XXXX   requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.       XXXX   addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 2021-07-12
Company: AMERICAN HONDA FINANCE CORP
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 2017-06-04
Company: Global Portfolio Recovery, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from   XXXX   XXXX   stating I owe  XXXX   XXXX  a balance of {$1200.00}. I only have  XXXX  accounts with   XXXX    XXXX  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-16
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a payment that was due on a nonbank weekend day of Sunday, XX/XX/2022 XXXX and my payment did not post until Monday, XX/XX/2022 XXXX. They charged me a late fee and refused to reverse the excessive and harsh late fee after multiple secure emails. My payment history with this company has generally been excellent and it has been well over a year since any kind of assistance was needed with this account under much different circumstances. 
There is no logical reason why I should be penalized for clearly trying to pay my bill and then appear late due to an off bank day issue with how they do their payment due dates. There is absolutely no demonstrable loss from the bank of anywhere near {$30.00} for a completely systemic timing and electronic issue AND I was clearly trying to get and have my bill paid on time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX   credit is reporting incorrect information on my credit reports.

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