BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: The CBE Group, Inc.
State: SC
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:
Hello, I have never received my original contract with my wet signature and I never signed a contract with CBE Group and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to reach out to the debt collector and notify them that the debt they are listing is not a valid debt. They are attempting to collect a debt for XXXX, but I have never had an account with XXXX. If necessary, I am prepared to file a police report, as this may be identify thief. Each time I've called they have been extremely rude and have refused to provide any documentation related to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage got sold to BSI Financial towards the end of XXXX. In XXXX, we received an escrow refund check from them. I called to see if they could cancel the check and just apply it to the next year 's escrow account so that our payments would not increase. The person I spoke with told me they could do that, but then called back right away to tell me that it was too late to do anything because the escrow account had already been calculated. He also said I should call back in XXXX before XXXX ( no exact date ) to make my request. I called in XX/XX/XXXX and spoke with XXXX, who said that I had to send an email request in. I did that. I also emailed again several times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In each email, I asked to have any and all escrow overages applied to the next year 's escrow account instead of sending us a refund. I also asked not to be called back ; I sometimes have a hard time understanding people on the phone and I also wanted a response in writing. BSI tried to call a few times, but I didn't answer. They finally emailed via their secure site on XX/XX/XXXX. That email stated, " We are currently processing your request. '' I then looked on my account on the BSI site on XX/XX/XXXX to find that they had sent an escrow refund check. I emailed them again XX/XX/XXXX to make a complaint about it. I just got off the phone with XXXX, who called today ( XX/XX/XXXX ) to talk about my escrow overage request. She put me on hold for over 10 minutes and I ended up getting sent to a generic voicemail. All I wanted was for any excess money to be applied to the next year 's account so that our payments would not increase and they wouldn't even communicate with me in writing, even though they had 3 months to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XXXX at XXXX XXXX I used my XXXX debit card at Bank of America ATM at XXXX XXXX XXXX XXXX XXXX, AZ to withdraw {$220.00} plus {$3.00} fee. The machine accepted my credit card and pin number and approved the money for withdrawal, At that time the machine made a bunch of noise like it was going to dispense the money but nothing came out the machine at all no money. The only thing I got was a receipt with the new balance, Bank of America had took my funds from my bank card but the machine did not pay me. I want my money returned to my card because I can not afford to lose {$220.00} and need my money returned asap. 

I filed a dispute with my card issuer XXXX and the dispute was denied by them, XXXX stated my receipt said I was paid at the ATM but I was never paid from ATM that is just what the receipt states which is not true at all, This has really been a big inconvenience with my money being in limbo between banks and There is no help from my card issuer XXXX and no help from bank of america. Your help will be greatly appreciated. 

I have attached my receipt in which looks like I was paid from this machine but never got any money at all from the ATM. 

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 2022-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Experian Information Solutions Inc.
State: MS
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:
Filed a dispute with Experian XX/XX/XXXX regarding creditor XXXX XXXX XXXX XXXX , XXXX falsely, fraudulently, and inaccurately reporting 2 accounts included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Received Experian dispute results XX/XX/XXXX, and the problem has not been resolved Creditior ( data furnisher ) continues falsely, and fraudulently reporting inaccurate account information, altering its address on my Experian credit file ; in addition since dispute XX/XX/XXXX has added Fraudulent 24 month Payment History to my account XX/XX/XXXX and Date Reported XX/XX/XXXX which is false, fraudulent, and inaccurate account was included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Sent additional dispute communication letter to Experian XX/XX/XXXX via certified mail. Sent an Additional Dispute communication letter ( Final Notice ) XX/XX/XXXX via certified mail. Pulled my Experian credit report ( Annual Credit Report.com ) XX/XX/XXXX and issues still have not been resolved, and have not been corrected. Sent a Final Notice to creditor XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, IL XXXX as verified on my XXXX credit file ; in which creditor left dispute communication letter unclaimed ( deemed as notified ) will be identified further through CFPB Complaint ( Experian ). Consumer has requested that Experian remove all False, Fraudulent, and Inaccurate information from consumers credit file regarding both accounts with creditor XXXX XXXX XXXX  XXXX. Full and complete disputed items, and details can be found with all supporting documents which will be uploaded.

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 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I recently made a purchase on a credit card I have had for many years and maintain for credit purposes. I made the purchase so Bank of America would not close one of my oldest credit cards due to non-use ( it's been a couple of years since I used it ). When I went to pay the balance online I was unable to discern my interest rate from the online account. I believe this alone is a problem. It should not be a maze for a consumer to identify the interest rate for their credit card. I wanted to make sure it was still a low interest rate ( around 9 % ) before I started utilizing the card more regularly. I looked at old notices in the documents section of my online account, and it appeared that it had not increased based on that list of documents. Since I had not utilized the card for a while until recently, I was not yet able to generate an account statement. I called the customer service number to validate my interest rate remained around 9 %. After waiting on hold for 90 minutes, I spoke with a representative that said my interest rate had in fact been increased to around 15 %. I asked whether the company had notified me in writing. She said the bank is allowed to adjust my interest rate. I asked whether the bank had sent me a notice of the change. She said interest rates may be viewed by generating an online statement. I noted that I was not yet able to generate a statement ( my recent purchase was too recent for a statement to have been generated ). She said it would show up in a statement forthcoming. I asked if she agreed then that I had not been notified in advance of this change and she agreed. I asked her to note the content of our conversation in my account notes. I believe that I should have received 45 day advance notification of this interest rate change. Am I correct? If not, could you please explain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
I am demanding that all innaccurate and unwanted personal information be removed. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights

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 2023-11-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rental Debt Keeps appearing on my credit report that I have absolutely no knowledge of. This Debt belongs to someone else other than myself and i am forced to put the alleged debt and company in litigation.

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 2022-01-18
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As noted in the police report, Venmo has severe security issues. First, once I logged into Venmo and log in information will keep for a long time, which means anyone can use the account to transfer money in the next couple of weeks as long as they have access to the cell phone. They won't be asked for any log in information. Second, there is no extra security added to verify the transaction, such as password, or transfer code. Those security issues means as long as people can access to the device, they can transfer any balance into their account. As I disputed, the following transfers were unauthorized since I lost control of my cell phone. However Venmo team denied my dispute indicated those transactions were made with the same device. Considering the severe security issues for Venmo, they have no solid ground claiming the same device represents authorized transactions! Additionally, I've reported the case to the police and its very clear the police consider those transfers as fraud, as indicated in the report. So the Venmo team is more expertise than the police to understand the situation and define those transactions as legitimate and authorized? 

XXXX Type Status From To Amount ( total ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$2300.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$990.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$490.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$100.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/2022, I went to make a mortgage payment at my Fifth Third Bank branch at XXXX XXXX XXXX Fl XXXX. I went to the Drive thru to make the payment and the person gave me the wrong change 3 times. At the last exchanged, XXXX XXXX said very rudely that he would not do anything else for me. I noticed that all the coins he sent back were all dark specially the dime. I could not tell if the dime was XXXX because it was so dark that it did not look like a dime. I told him to exchange the dime and he did not do that. He told me to go inside. When I went inside I told him my mother who's XXXX and has an account with them was in the car and I just picked her up from the XXXX because she was very XXXX. That was the reason I used the drive thru. He did not care. Instead he started to argue about sending me the dime and that it was only 2 times he was wrong about the changed. In each time, I was on the drive thru waiting for a long time to make the payment, waiting for all the times they sent out the change wrong and then to give me a hard time about a dime. He never apologized to me even though he knew he made me wait so long and gave me the wrong change each time and still owed me a dime. When I make a mortgage payment the bank requires me to pay for the change and a required them to give me the proper change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
About 4 weeks now I have been getting different information from different agents with in the suntrust customer service. I deposited a check, in which they closed the next day I was advised that the account will be closed with in the next 5 days and that I will have a letter sent out stating why and I will receive my check I have not received my check and I have been getting the run around in regards to getting my money I would like them to give me my money to pay my bills I dont have anything. Their basically taking my money and have failed to disclose why my account is on hold. They have failed to let me know anything in regards to my funds.

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 2022-10-19
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXXXX/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 2018-01-09
Company: Experian Information Solutions Inc.
State: TN
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 put in a dispute with experian to update my personal information and delete my old address and their are to address that have have accounts that are part of them and they are refriguing to remove those two addresses.

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 2023-04-14
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt it is supposed to from XXXX XXXX XXXX. I have no knowledge of this account as I have had a att cell phone open active and current for over 20 years. I sent this company a debt validation letter and it was removed from my credit report only to reappear a month later. The first notice I received of this so called debt is when it appeared on my credit report, no letter or phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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 Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: World Omni Financial Corp.
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: Account status incorrect

Complaint:
The account hasnt updated on my credit report since XXXX of 2022. I was in a bankruptcy that end around XXXX of 2022 and I have called multiple of times to get the account to update it status and nothing was done. I filed a complaint with XXXX XXXX in XXXX and Southeast Toyota Finance did nothing. So in XXXX of 2022 I bought a new car and the XXXX XXXX was payed off that same month and when I checked my credit report this month it still shows on my credit report as a open account with a XXXX balance and shows Im still under a wage earner plan that Im no longer under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: MOHELA
State: MD
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 submitted an application to studentaid.gov for the SAVE ( IDR ) repayment plan on XX/XX/2023. It was sent to my student loan processor MOHELA. However, ever since it was received it has been under " processing '' phase. MOHELA put my loans under administrative forbearance on XX/XX/XXXX to end on XX/XX/XXXX. I continued to wait until XX/XX/XXXX when I contacted them via their message platform regarding my application still processing. It is XX/XX/XXXX and I have not heard back from them nor has my application been processed. I received a notice that the forbearance ends XX/XX/XXXX and I will have to start repaying my loans without the SAVE repayment plan in place. My first payment is due XX/XX/XXXX a few days before XXXX. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation