BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report have 7 years old accounts still showing and student loans and creditors that included in bankruptcy still listed individual double my credit ratio making my score low. The accounts listed in bankruptcy should be listed still on report but they removed bankruptcy XXXX. The bankruptcy and all creditors still showing from XXXX to XXXX. My student loans debt double they charging putting extra money to pay back on the balance of XXXX bankruptcy that was paid in chapter XXXX. I asked for a copy of the original balance bill with my signature on it that on my report no answer in for inquiries. Equifax has replied lowered my score more. Why third -partiy are listed with same amount with the original creditor it not fair XXXX XXXX and their XXXX party XXXX XXXX XXXX {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a consumer checking account with Bank of America and they decided to close the account the same day. They offered no explanation as to why they closed it. It 's very frustrating for 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 explanation
Consumer complaint received 2022-06-17
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC has an online bill payment system. There are options on the frequency of payments. 
The monthly option- allows a single monthly payment. The bi-weekly option sends XXXX payment every XXXX weeks. The XXXX XXXX option is not working as expected. The twice monthly option does not allow picking the dates of each payment - only the first payment - and the XXXX payment for the month is sent exactly XXXX weeks after the XXXX payment. This is not a true twice monthly option. This is the biweekly option disguised under a misleading category of twice monthly. I called the bank and they confirmed that a twice monthly payment would be sent XXXX weeks after the XXXX payment date. When I explained that this was not a twice monthly option- they had no other solution. I had to create a manual workaround to pay XXXX bills twice monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
It concerns a wire transfer in US currency from the XXXX. The amount did not arrive in full in my XXXX XXXX  account. It was short an amount of which its whereabouts neither the XXXX XXXX nor the XXXX XXXX  could be explained. The wire transfer was subject to fees identified and separately charged by the XXXX XXXX. There were not wire transfer fees charged by the receiving bank. Upon further investigation the discrepancy could not be explained by either bank. The conclusion is that the lacking amount must have been purloined en route. Someone suggested that the wire transfer was subject to a " lifting fee '' charged by an " intermediary '' bank but neither the XXXX XXXX nor the XXXX XXXX  could identify and intermediary bank involved in this transaction. The money has just simply vanished in the haze.

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 2016-04-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have listed the items I want to dispute and are highlighted on the attached copy of my credit report : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, XXXX XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XX/XX/XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. In order to speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

Additionally, I am requesting that the item be removed from all XXXX credit bureaus, to correct the information. 

Enclosed are copies of my credit report indicating that the account is showing on my credit report. Additionally, I am enclosing a copy of " Form XXXX '' supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : [ IRS form XXXX Release of Federal Tax Lien, IRS form XXXX ( XXXX ), Credit report and IRS Form XXXX ( XXXX ), Notice from the IRS Newsroom dated XX/XX/XXXX in relation to the IRS 's new policy to withdraw paid tax liens, Social Security, Driver 's license, and Utility bill ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed public record with Equifax that are not mine. Equifax said they investigated and refused to remove the account but then re aged the original date from the original XXXX date to XXXX XXXX!! I have contacted Equifax and they still refused to remove the account. 

The other XXXX credit bureaus has since removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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:
Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from them.

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 2022-03-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 at XXXX EST I spoke with XXXX XXXX XXXX National Credit Systems . The collector failed to verify my identity via an address, SSN or other personally identifiable information, a potential third party disclosure violation. I mentioned to the agent that I wanted to dispute the debt and XXXX proceeded to talk over me and refused to allow me to ask any questions about the debt. He wouldn't allow me to give any reason for disputing the debt or offer any means to resolve the debt other than paying such debt that I do not owe. After promptly hanging up while I was asking how else I could resolve the debt, XXXX XXXX forwarded 4 phone calls to voicemail. 

I may have updated my mailing address or email had the collector allowed me to know what address and email they had on file. Instead XXXX XXXX refused to provide me witht that information. 

This company is using the threat of damaging credit as a means to force consumers to pay debts which they may not owe and refusing to communicate ways to resolve disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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:
Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from them.

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 2017-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Sir Or Madam, I tried to open a Cap italOne 360 checking account about eight m onth ago.   My application was rejected because of an unclear verification issue.   In spite of my com plaint No.  :  XXXX  by CFPB, a transparent verification procedure was not provided and a CapitalO ne 360 checkin g account was not opened.     However, I receive
d a CapitalOne   offer to apply for a credit card about one week ago.
Could you explain why CapitalOne   fi
rst rejected my application for a simple checking account and then offers me to apply for a credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX   XXXX  - Rescinding Offer/cancelling refi loan due to negligence of the Lender. Multiple laws broken/mortgage fraud/lender overriding successor/spouse of community property for spouse, falsifying documents, pushing closing/notarizing through despite requests for cancellation of loan multiple times by both borrower and spouse/No attempt to verify and confirm documentation, contact, basic knowledge, loan details, or aggreeance of spouse and successor of interest of community property/ Multiple incorrect and false documents. Homestead declaration documented incorrectly as waived when it should, would, and will be declared homestead if lenders legally abided by CA state laws,  XXXX  guidelines and orders, the laws and rules of the FDIC, let alone the ones that are on the documents that you push and fast track borrowers to sign illegally. Also very important is how the EPA you came to is completely incorrect, false, and not agreed upon with Lender ( that was informed twice by m e ) and spouse/successor.   XXXX   XXXX  which I contacted twice on  XX/XX/17   . Spoke with her and told her briefly of our legal situation and that I just found the documents to the loan on my home because my lender nor husband informed me of the loan details ; on my and our childs own home due to the borrower on title and lender coinciding. She stated, " I understand and did n't know, we will cancel and void the loan. '' As well as making contact with another employee of Mortgage Freedom just to be safe and she said she will red flag and cancel the loan, and stated, " I do n't know how it got this far! It just needs to be notorized ''. Despite me just finding an electronic copy of the finalized version of the revised loan offer on  X/XX/17    because the lender or spouse never notified or sent documents for me to review, no access to your secured document site to view what was going on with my property, knowing my spouse was planning on getting it notorized behind my back, and speaking to two different representatives..

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 2022-07-15
Company: EQUIFAX, INC.
State: AZ
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 complained about being a victim of identity theft multiple times already. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
went to US Bank XXXX XXXX XXXX, XXXX XXXX CA XXXX Teller can't do cash advance on direct benefits card. 
She stated " machine broken '' This is not acceptable.

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 2020-10-28
Company: EQUIFAX, 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:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX  extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX every day. I've told the supervisor who I originally spoke with that I'm available around XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX XXXX and left a voicemail, and again at XXXX. Yesterday (XX/XX/19) I received a call at XXXX that left a voicemail and then called again at XXXX, XXXX, XXXX, and XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09
Company: Main Street Personal Finance
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took out a Payday loan on Monday XX/XX/2020 at Approved Cash in XXXX, Oklahoma. XXXX  is the employee who did the loan. On Friday XX/XX/2020 I called in to Approved Cash. XXXX  answered the phone, I was upset because I tried to reloan after paying off a loan at another place, but they wouldnt let me because it would have been my 4th loan and the loan that I had at Approved cash made it my 5th loan. I didnt understand why it would have been my 5th loan because it was my 3rd loan. I didnt know how I was going to work it all out because I was expecting that loan. My loan for Approved Cash was due Monday, so I said Id figure it out and hung up. 
I was able to get a debt consolidation loan to pay of my loans. I got all my bills paid and was going to pay approved cash on my way home from work. I get a text that money is low in my account. I dont understand why. So I look andApproved Cash cashed my check early. Our agreement gives me until XXXX to pay it. They never gave me the chance to pay it Monday. The paperwork I signed said I have to till XXXX on Monday. I called them and XXXX  answered the phone. I asked why there was {$560.00} taken out of my account. I had till XXXX to pay it. She said because and stuttered. I said what she did was illegal and wrong. She said her boss XXXX told her to. I said why?? She said it was because of the conversation we had Friday. I said that is ridiculous and you cant take money out because you think someone isnt going to pay. I said I wanted XXXX her bosses phone number and she refuses to give it to me! Then she says shell have her call me. XXXX calls, and I tell her what she has authorized is horrible, and I want my money back. She finally says that they will replace it and then asks when Ill be in to pay my loan, and I say later in the day after work. I had to call the bank and ask them how many overages I have. I had to leave to talk to XXXX and XXXX too. Not only did I have to lose time and money with my job, I am going to be charged {$35.00} for each overdraft. They never apologized, they never offered to pay my penalties or time I had to leave my job to handle this. She wouldnt even give me her SUPERVISORS number until I asked her several times throughout the day. I asked her who regulates these loans? Who do I call to let them know what you did to me and my account? She REFUSED. This is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
equifax was correctly reporting an account-american honda fiinance from XX/XX/XXXX to around XX/XX/XXXX on their report @ XXXX this account was reported correctly as included in chapter XXXX bankruptcy, but around XX/XX/XXXX, they removed the included in bankruptcy and they started showing current late or missed payments, when i disputed the item i included a copy of the bankruptcy listing american honda finance but the result of their investgation claims that XXXX claims that they are reporting the item correctly and they informed me that it does not make any difference what i provided to them as they do not make an changes based on any documents that i provide but only in what the company reports, i have spoken to XXXX XXXX and they indicated that they are reporting correctly to all credit reporting agencies and that is " included in bankruptcy '' and they do not know why is equifax reporting something different, note that transunion and experian are reporting the item correctly as " included in bankruptcy. i asked equifax to provide the document from XXXX XXXX showing late current payments so i can provide tham to XXXX XXXX but they would not provided it. 
i am in the process of purchasing a home and score from equifax went down XXXX points in XX/XX/XXXX after they made the change to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Opened XX/XX/2019 with a balance of {$3500.00}. THIS IS A FRAUDULENT ACCOUNT THAT I NEVER OPENED!!! 
XXXX/XXXX- Opened XX/XX/2019 with a balance of {$11000.00}. THIS IS A FRAUDULENT ACCOUNT!! Both these accounts were opened during XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Account status incorrect

Complaint:
All XXXX  accounts are not reporting the same with all three credit Bureaus XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXExperien shows XXXX XXXX as paid for less than the full amount Whereas XXXX shows this same account as charged off. XXXX shows the same account as payment after charge off collection. 

***XXXX shows XXXX as no more than 4 months past due. Whereas, Experien shows legally paid in full for less than full amount. XXXX shows the same account as 90 days past due. 

***XXXX shows XXXX XXXX charged off. Whereas Experien shows shows lthe same account as XXXX paid in full for less than full amount. XXXX shows XXXX as payment after charge off as collection. 

***Experien shows XXXX XXXX as charged off, where as XXXX shows it as charged off as a bad debt.` In addition, 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 1681 section 602 A states I have the right to privacy.

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 2016-11-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, 2016 a lender paid on my behalf approximately {$43000.00} toward my federal student loans that are serviced by FedLoan Servicing. At the time of payment I provided instructions to FedLoan Servicing to apply the {$43000.00} to certain loans, specifically, the loans with interest rates of 6.5 % and 7.5 %, which I identified by their respective loan sequence numbers. Contrary to these instructions, FedLoan Servicing applied the {$43000.00} to the loans with the lower interest rates ( 2 % ). I immediately contacted FedLoan Servicing and advised them of the error and throughout XXXX received repeated assurances from FedLoan Servicing that the error would be fixed, e.g. that the {$43000.00} would be reapplied to the proper loans. Despite receiving these assurances and acknowledgement of an error by FedLoan Servicing, FedLoan Servicing has not fixed the problem and provides a raft of excuses each time I call customer service. This obstructionism is contrary to the policy on their website which states, inter alia, that " if you need us to reapply a payment you previously made, we can accommodate that as well. '' https : //myfedloan.org/borrowers/payments-billing/targeting-payments. Please help.

Company response to consumer: Closed with non-monetary relief