BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I wrote two letters to Equifax asking them to investigate several items on my consumer report. My letter specifically noted that I was not requesting a freeze or fraud alert at this time but reserved the right to place a freeze or alert upon the completion of the investigation. 

XX/XX/2019 Equifax responded via letter that they have not only placed a fraud alert on my account, but that they have forwarded a request to place a fraud alert to theXXXX and XXXX. This caused a fraud alert to be placed on my XXXX   report as well. 

I have written to Equifax explaining their error and requesting the alert be lifted immediately. The negligent action of placing an alert on my consumer file despite my explicit requests has caused me to be denied a line of credit I would have otherwise been entited to receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please see Complaint ID XXXX I was being informed that due to accounting error by the loan servicer, I am being charged for interest that was not previously disclosed to me. To date, loan servicer refused to take any responsibility for their own accounting mistake and poor communication. 

I hereby request a detailed accounting of the time, amount, and reason the original account balance was calculated, a detailed report and explanation of the mistake that was made by the loan servicer, the corrective action performed, and the justification that the interest ( accrued while I am not aware ) should fell on me. 

The report made by the servicer is ambiguous and unacceptable. *Please see their response attached. * It reflects no history of payment, no table of principal and interest paid down, and does not justify their response. 

This is fraudulent behavior and I would like to invite additional investigation and government oversight into this company. I don't know how many others are being told the wrong information on their financial accounts and are paying for the servicer 's accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: AES/PHEAA
State: NC
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:
Over the past few years, through requested audits and working with the CFPB and the North Carolina Department of Justice, Consumer Protection unit, I have tried to receive a fair evaluation of payments I've made to the PSLF program.

However, despite that, there are six ( 6 ) payments that still aren't counted as part of my overall PSLF eligible payments made that I believe should be considered eligible due to my conversations with Fed Loan Servicing phone representatives, who advised me each time I had questions about my account. These phone representatives took notes during each of our calls, and it is my belief that Fed Loan Servicing should look into those notes, which will verify that the following payments should be counted as part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX With Fed Loan Servicing sending student loan accounts to a new servicer this XXXX, I believe that this issue needs to be resolved prior to the transfer of my account. 

Thank you for your assistance in this matter. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Email on XX/XX/XXXX Dear Fed Loan Serving, I wanted to provide my addendum regarding my request for an audit of my account prior to any transfer to my account to a new student loan servicer. Specifically, I would like a detailed explanation as to why the following student loan payments were *not* counted as part of PSLF counts, which is currently at XXXX/XXXX. It is my belief that based on guidance from Fed loan Servicing phone representatives, I followed the appropriate instructions related to payments for the following months and believe that they should part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX Throughout my experience with Fed Loan servicing, I have always turned to your phone representatives to answer any questions I had related to my payments, and believe that the 6 monthly payments should count toward my PSLF. 

Because of the urgency of this issue and the transfer of Fed Loan student loan accounts to another servicer in the next few months, I will be elevating this issue to the CFPB and the North Carolina Department of Justice, Consumer Protection Unit. 

Please conduct a diligent audit for the months noted above, so that this issue can be fully resolved before the transfer of my account to a new servicer. 

Thank you, and I appreciate all of your help in this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Collection Resources, 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 a victim of identity theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX COLLECTION RESOURCES INC XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: LEXISNEXIS
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In early XX/XX/2019, I attempted to get new car insurance through XXXX. Everything was fine until they reported that I had two speeding tickets that I had not disclosed. I do not have any tickets, XXXX told me I had to file a complaint with LexisNexis to get the information corrected. Meanwhile I had to pay hundreds of dollars more for my insurance to get it started. I filed the complaint with LexisNexis and they told me it would take a month to get corrected. It was more like almost two months. On XX/XX/XXXX I finally got the " corrected '' report from LexisNexis. They had indeed removed the fraudulent tickets from my record, however they left this other person clearly shown on my report in six places on the report. I called them back to file another complaint, I asked to have this other person completely disassociated with my record. That IS NOT ME! They said it will be another month. I called back mid-March to be told that nothing had happened and they were filing ANOTHER ticket to have this other person removed, and it would be yet another month. I called back over a month later, on XX/XX/2019 to be told that nothing has happened and they wanted to file a third request to have this person removed from my records. I requested to speak to a supervisor because I can not understand why this hasn't happened already with the two previous requests. A discussion with a supervisor takes 1-2 business days, so I am now awaiting that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I disputed a transaction for {$670.00} for website services i ordered because merchant did not deliver the finished project and i cancelled the project. Vendor claimed that they delivered the project and they finished it. I placed the order on XX/XX/2020. i tried to cancel it a week after that but merchant promised me that they will deliver a very nice website and come to find out later that they do not create a website, they only do copy and paste and it was never disclosed to me. Along the way, i was given lies after lies and the project was dragged and to show me they were doing something with it but when i asked for an update, they told me to be patient. 
I cancelled the order i believe on XX/XX/2020. I disputed it with my bank and i was given temporary credit and then they reversed that on XX/XX/2020 because they told me that merchant has delivered a finished project. I was never given any proof of any update of the website. They claimed they finished the project and the bank said, i can not do anything since i approved the transaction.

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 2023-02-20
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: FIRST NATIONAL BANK OF OMAHA
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Hard Inquiries on my report on XX/XX/2021. I do not recognize this and find it to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my account and the bank place a hold on it for seven days

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 2018-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America is reporting a wrong balance and a wrong status for this account. Try to contact them but no success.

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 2023-02-27
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX of XXXX, I was fortunate to be gifted a brand new car, however I already had a car loan for a XXXX XXXX XXXX thru Bridgecrest. As I was preparing to do a Voluntarily reposession, My XXXX in Colorado had contacted me and said she was interested in taking over my car payments. I proceeded with that option, and from XX/XX/XXXX until XX/XX/XXXX, the payments from my XXXX to me were applied to the car. The next payment was due on XX/XX/XXXX, However, on XX/XX/XXXX, I was hospitalized for a Severe Umbilical Hernia, medicated, and placed on bedrest. I called Bridgecrest to inform them of my health issue, and was only granted until the next day the XXXX to make my payment. Due to hardship from health issues, I made a {$300.00} payment on XXXX @ XXXX, and the remaining {$160.00} on XXXX. So imagine my horror, when my aunt messaged me on XXXX to tell me that the car had been repossessed on XXXX. They said that because my account was a chargeoff account, that they will not, do not, and can not work with anyone, for any reason, not even a legitimate medical crisis. At one point, the representative told me that this could have been avoided if I had answered the phone on XXXX, but I informed her that I had XXXX on XXXX, and was under sedation. Not once did they ask to see my discharge paperwork. Not once did they show any effort to make an exception, care, or show any leniency, that because my payment was due on the XXXX, paid {$300.00} on the XXXX, and the remaining {$160.00} on the XXXX. I am completely disregarded, and now they are asking for {$1300.00}, or {$1500.00} to get the car back for my aunt. NO MEDICAL EXCEPTION OR CARE AT ALL. I understand being firm, strict, and the intent to collect a debt, especially on a circumstantial charge off account, but I am hugely upset in the lack of leniency for an actual XXXX emergency, especially with proof and documentation. Upon contact, I will share my medical documentation. 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 2021-11-02
Company: ALLY FINANCIAL INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In connection with the latest complaint ( XXXX ) the consumer has also found more discrepancies regarding the agreement of a credit sale within the Code of Federal Regulations. 16 CFR 433.1 Falsified character amounts on previous billing statements that have reflected a positive balance, On contrary Ally stated an amount was owed. This can not hold true as a negotiable instrument was presented by the debtor at the time of signing.

Ally and the consumer had an agreement incidental with a credit sale according to 16 CFR 433.1 Ally has not followed the Guidelines set in Regulation Z. During This Credit sale the consumer had given not one but 2 negotiable instruments My Credit card ( SSN ) and my Signatured ( Blank Endorsement ) Promissory note. I have not received any equity in this transaction, I was not Notified of an UCC-1 Lien paperwork holding security interest over the asset, and I have be coerced into deceivingly handing over legal tender not lawful money ( Gold and Silver ) as Ally has illegally Accepted it in connection with the alleged debt collection of this account. 

Ally Had adverse action towards the consumer by illegal repossession of the vehicle.

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 2019-05-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
first complaint XXXX seemed resolved. 

Trying to make my payment again! 
The number they gave to link or add a bank is merely more general instructions for stupid people! XXXX -- XXXX a Joke! I know how to add routing and account number but it fails! I thought for once, you were offering assistance. 

I can not link a bank! I have screenshots. It says " Sorry, we are not able to process your request. '' same as last month! 

I called the auto pay XXXX It says it doesn't recognize my account! I entered all the correct info, many times. It fails! 

I have never had these problems adding a bank in all these years!!!! 

I will not be charged late fees for these problems!

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 2019-05-07
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our property was burned to the ground in the XXXX XXXX XXXX, CA wildfires. As a result of this loss, we received a settlement from our insurance company. We sent this to PHH Mortgage Services ( our mortgage company three weeks ago ) and have yet to receive a settlement. The check sent was close to three times the amount of what was due on the loan. According to PHH they paid the loan and the remaining balance would be distributed to us in 15 business days. This time has come and gone. First of all we have not received our payment which is distressing. Second of all, this amount vastly exceeds the loan amount so I question why the lender is allowed to hold on to the funds in their account for 3+ weeks and collect interest. Something is wrong with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions 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:
This account does not belong to 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 non-monetary relief
Consumer complaint received 2021-09-26
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name ICS Collection Service Inc partial account number XXXX in the amount of {$1100.00} with an open date of XX/XX/2018 and the original creditor is XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America processed a fraudulent online application for a new credit card using my stolen identity. I found out because XXXX notified me about new inquiries on my credit ratings. I also received an email from XXXX XXXX ( BOA ) telling me that there had been a change in my credit report. 

XX/XX/23 I emailed security @ bankofamerica asking for details quoting my rights according to the FACT Act and they ignored me. I emailed them 3 times and only when I informed them that I would submit a complaint to CFPB did I receive a phone call XX/XX/23 from XXXX XXXX advising me to phone the Fraud Application Dept at XXXX. He gave me the fraudulent claim number XXXX XXXX dated XX/XX/23. 

XXXX transferred me to XXXX, XXXX transferred me to ( sounded like XXXX ) who hung up on 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 non-monetary relief
Consumer complaint received 2019-09-30
Company: SYNCHRONY FINANCIAL
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:
Syncb Unauthorized Inquiry from XX/XX/2019 National Credit Cards/Airlines

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 2019-09-30
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX  XXXX XXXX  XX/XX/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 explanation