BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This morning XX/XX/2020, another Clueless person called me. 

The reason the forbearance was a scam is that despite news reports that whatever amounts owed would be tacked on to the end of the loan, it clearly said in my paperwork that I had to pay it in a lump sum so I decided not to do that and not let myself fall for another bank scam to capture my home. I paid in full ahead. It was YOUR SCAM And then due to BofA rules you could not do a refi at a lower interest rate which would logically reduce my monthly mortgage payments. Given my XXXX FICO score on my {$2.00} XXXX home with a $ XXXX mortgage I question why you keep ignoring my reality, my good credit, and my request and keep having clueless people call. THEY DONt KNOW. I wish to reduce my monthly payments and a lower interest rate refi is the logical way to do it. Its been three months. Your right hand doesnt know what the left hand is doing. You have appointed yet another clueless individual named XXXX who can not be contacted and whose letters are form letters. 

READ!!!!!!!!!!!!! Lower interest rate refi. {$2.00} XXXX  Dollar home. XXXX FICO score. {$300.00} mortgage balance. Lived here for over 40 years. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: GA
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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SETTLEMENT - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/18 there was {$230.00} in my checking account with PNC Bank. On XX/XX/18, there were three ACH debits which hit the account as " Pending ; '' {$72.00} for XXXX XXXX which was due and payable on XX/XX/18, {$120.00} for XXXX XXXX also due and payable on XX/XX/18 and {$430.00} for XXXX  with a due and payable date of XX/XX/18. There was sufficient funds to cover two of these transactions, the {$72.00} for XXXX XXXX Bank and {$120.00} for XXXX XXXX, however, PNC posted the transactions in a manner which I was charged 3 overdraft fees instead of 1 ( the account was overdrawn due to the pending transaction for {$430.00} ). I requested the reimbursement of {$72.00} representing the excess overdraft fees assessed to my account and PNC has yet to rectify the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX  account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted XXXX and Transunion as well as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries 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 2023-10-30
Company: Netspend Corporation
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received an email about a NetSpend account. I contacted them to inform them that I have not received nor do I have a Net Spend card. And to please close or block whomever is trying to open an account with my information.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: OH
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 non-monetary relief
Consumer complaint received 2020-10-20
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with '' PRMG '' Paramount Residential Mortgage Group Inc back in XX/XX/2020 and have had several issues with the servicing of the loan .On XX/XX/XXXX we received a letter stating our home owners insurance was expiring. The policy effective date is XXXX to XXXX so I don't see where they came up with the XXXX letter.I have received a letter dated XX/XX/XXXX stating were in default.I have contacted their customer service and collections department to correct the errors.They have acknowledged all 3 payments for XXXX, XXXX, XXXX were on time but not credited correctly.We have not incurred late fees or penalties. I have received a letter from the VA for delinquency.What I find most troubling is their accounting errors may cause a negative impact on my credit report.I have requested written documentation from PRMG stating my account has never been late. The monthly loan statements are also incorrect, they don't reflect correct " paid year to date sums ''. I have brought all these concerns to PRMG to no avail.I contacted the mortgage broker who acquired the loan to inform him of the poor service from this mortgage company. I will contact the VA to inform them of the issues as well.I would steer clear of this mortgage company. They should not be allowed to do VA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX XXXX XXXX in XXXX regarding supposed debt, I requested proof of debt and did not receive it. It is now XXXX, and I'm being served with a writ of garnishment for a judgement in XXXX obtained by XXXX XXXX XXXX XXXX ; I was never served with a court order or summons to respond and have no knowledge that this case even went to court, so to be served a writ for garnishment for a judgement I had no knowledge of is a complete blindside and shady practice on the part of XXXX XXXX XXXX. I was never served or given an opportunity to respond. When the judgement was obtained, it was done so illegally, as the statute for collection on said debt had expired and they had no legal right to even collect on the debt.

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 2022-10-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has 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 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 These accounts 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 2020-10-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
requested all three credit bureau remove bankruptcy from my public record they claime it was verified buy the bankruptcy court i contacted the bankruptcy court and requested documentation i recieved a letter showing they dont have case number XXXX my name and that they dont deal with credit buearus all three buearus are showing they got this inaccurate information from the bankruptcy court which is miss leading information on my report if not removed will b taking leagal action

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 2022-12-30
Company: Atlanticus Services Corporation
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 information incorrect

Complaint:
XXXX and XXXX report incites information on my credit report. Those companies are reporting accounts that are fraud and not mine or are reporting inaccurate accounts that have been paid and closed as still open with outstanding payments and balances. They ignore or deny my disputes each time i request for fir them ro correct the inaccurate accounts. They ignored my request to freeze my credit report and put fraud alert and protection. Also their credit score reports are inaccurate or non existent nor consistent. This occurred from XX/XX/2019 to present. I have not received a credit report or score update from either credit consumer company. My identity was stolen and my information on the credit reports and accounts have been compromised. I can not access my online accounts at all. XXXX daye breach

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: MO
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:
I have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Collection Management Holdings, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company named under credit management sent us a letter asking for money.. When contacted them they tried to get more personal information without any explanation who they are also with foreign accent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Bank of America owes me money for my unemployment history of hard work a debit card that was issued to me by Bank of America from EDD Was hacked now I have gone back-and-forth with Bank of America each car lasting up to more than an hour explaining the same things over and over come to find out they can not mail me a new card to my address. I recently sent them a demand letter but I also need to file a complaint with your organization.

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 2023-06-17
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My navy federal credit union someone did unauthorized transactions on my account on XX/XX/XXXX I havent used that account in a while and the only way that I found out was because they emptied my moms account because hers is connected to mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM TRANSUNION AND XXXX. XXXX HAS REMOVED AS FRAUD. SENT COMPANY IDENTITY THEFT REPORT, POLICE REPORT AND PROOF OF RESIDENCY AND STILL WILL NOT REMOVE. PLEASE ASSIST.

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 2018-04-25
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted the company by phone, takes to the supervisor and asked them to stop calling me, and told her the company is constantly calling me and I consider it harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I sent credit reporting agency Experian a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I called Bank of America to dispute transactions from the Service provider called XXXX. The amounts were XXXX, XXXX and XXXX, weirdly the agent took only the first too transactions and not the third. I had previously called the fraud line because my account suffered a large amount of identity theft and an account take over and many charges had previously been disputed including ones from similar. When I called I also told them that later credits from this same merchant were not credits for these transactions. I lost the investigation after three days because they assumed that I had been repaid by the same transaction I told them were not associated. I then called them back a second time for a reinvestigation on XX/XX/XXXX. I also informed them at this time they had failed to include the third transaction, but from what I can tell I still was never included. They then went back to re-investigate it but they have not done anything to date missing what I know are statuary resolution timelines of 45 days and failing to issue a provisional credit within 10 days into their continued research. I did provide a signed affidavit and they did tell me I would get a provisional credit that was a Lie. My understanding is that the responsibilities on Bank of America to investigate my claim within this time. And if they are unable to then I am not responsible. This is not the first time the bank has failed to perform its the last of the long list of issues with Bank of America not the following regulatory guidelines in the midst of my identity theft. Needless to say I would like to recover this money and I will not be working with Bank of America any further. Ive heard nothing back about this claim and I do believe they are not taking it seriously as I called many times. Regardless of their actual investigation at this point, it wasnt conducted in the allotted time and so I believe there has been a violation. Account numbe : XXXX XXXX Claim Id : 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 2023-06-27
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
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 have not received validation notice by mail or email

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 2020-09-18
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a title loan for {$3100.00} on XX/XX/XXXX and I started to pay extra on my loan because I was told the more I pay the more the interest would be lowered and I can have a early payoff with out a lot of interest. Well they are putting all ( majority ) of my money toward the interest and not my principal and as of today XX/XX/XXXX I have paid {$4300.00} towards the loan and they're saying my pay off day is in XX/XX/XXXX which will result in me paying a little over {$8300.00}. I was told that they cant adjust my loan and to pay {$1800.00} more at one time for an early pay off

Company response to consumer: Closed with explanation