BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: WI
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 loan was opened up in 2001 due to identity theft. 
ive been trying ; for years to ge this off my credit report. 
and reported it to social security administation since i lost my social security card. 
this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a complain against XXXX XXXX in regards to my daughter XXXX account. My contracted had ended and I refused to do a re-contract with them because of their poor business ethics. The closing balance was reporting as oweing {$1300.00} on my credit report. I contact them numerous times in regards to the balance. I was told that after auditing itemize the account it will be corrected. After Auditing was done they end up owing me money. Upon several month there was no changes made. So I then disputed the amount with the Credit Reporting Agencies. So instead of updating the account XXXX XXXX deleted the entire account as if it never existed. I called them XXXX different times as to put it back they keep telling me that is has been taken care of. They keep saying that they did it, its now up to the Credit Agency. I check Transunion this morning it still have not been placed back. Please keep in mind that this has been going on since XXXX 2014. I called today and they told me that they ca n't put it back because I request that it be removed. Why would I do that if it was a paid off account? So I then called to speak to a Supervisor. The XXXX says that its best to have it deleted because it was paid late. This account was not in late status I have proof from the documents I give to the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: FIRSTBANK
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
One of the reasons given for denial for a home equity line of credit was a bankruptcy from 2004, which was due to a divorce. I have had perfect credit sense. I do n't understand how I can be denied credit when it 's too old to be on my credit report. On the application they ask if I had EVER filed for bankruptcy, not just in the last 7 or 10 years, so I divulged that I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Alco Collections, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed
Consumer complaint received 2022-06-18
Company: RMS-Recovery Management Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-06-18
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX all accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.

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 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Waiting for each agent to respone to my complaintXXXX transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian credit report states that I opened an account with XXXX XXXX 2006 which is not true. What is the reference number used to support this account being opened in 2006 by this company? This account did not exist

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 2015-09-02
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
AES is servicing debt from a XXXX but I never signed anything from XXXX, I have no proof that they still own the debt which is required. I have asked for proof but AES claims they only service the loans but they should have that information before they collect any money from someone. I need proof that AES is suppose to collect on this loan and all negative credit marks should be removed by law since no one ever inform me that XXXX purchased this debt. I talked with the credit bureaus and they told me that AES must have this information in order to collect on this loan. I never received and I have recorded calls to prove it. I also recorded other calls and they did not give the mini Miranda on the last XXXX calls with them which I have recorded as proof because I do not trust AES, they are criminals and should be arrested. AES often gives out bad information, their automated system gives out the wrong amount which I have recorded and the supervisor on XXXX/XXXX/15 acknowledged the system was incorrect but they never fixed it. This is illegal per federal law therefore all credit marks should be removed. I need all of the credit marks removed so I can get the loans consolidated with a new company that I trust. XXXX XXXX keeps claiming that I am lying even though I have the recorded calls to prove it. The reps clearly do n't know what they are talking about, XXXX told me they did not have to send me proof that XXXX owns this debt even though they send letter saying I owe every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF EDXXXX XXXX Account # XXXX ; XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX ; DEPTEDXXXX 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 an account without my written instructions

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX  XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF ED/XXXX  XXXX, Account # XXXX ; XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX ; DEPTEDXXXX 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 an account without my written instructions

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 2019-05-14
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
AES/XXXX XXXX XXXX XXXX XXXX, PA XXXX USA ( XXXX ) XXXX AES/XXXX XXXX gave me a private school loan on XX/XX/XXXX for {$75000.00}. This loan was found to be not exempt from bankruptcy. I filed bankruptcy in XX/XX/XXXX and they kept sending bills. XXXX XXXX XXXX in XXXX Michigan has found this loan to be dischargeable in my previous bankruptcy and has sent notification more than 2 months ago to them. They were asked for an accounting of all payments made since bankruptcy and for the monies to be returned to me promptly. I have no responses from them nor has the attorney. I have paid nearly 40,000 to them in payments in the last 7+ years that they were NOT entitled to. I would like my payments refunded and the incorrect non-payment information and the account blemishes removed from my credit. I was instructed by legal counsel to stop paying them and they have ruined my credit based on payments they are not owed and that they owe me back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I formally request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the verification within 30 days. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

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 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I had a checking account with Bank of America. On XX/XX/2018, I received a text message on my cell phone that there were some transactions in my checking account that were suspicious, So I contacted Bank of America Customer Service immediately and reported to them that all these charges were fraudulent I did not make those charges nor did I authorize them as I noticed these fraudulent charges in my Checking account when I logged on to my account. I always keep my debit card in my wallet with me, so there is no chance of anyone getting their hands on it without me knowing. When I reported these charges to BofA, the woman who I talked to didnt give me very clear information about what was going to happen, except she told me that she set up a claim for the charges. Therefore, I went to BofA in person to talk about where to go from there. I talked to a man named XXXX XXXX in a XXXX branch, who gave me some more information. I set up another claim on another fraudulent charge made to my account, and he told me that I would get temporary credit in about ten business days. After I waited about ten business days, I still got no temporary credit. Please look at the letter I wrote to BofA that is attached for details. I also went to a XXXX branch and spoke with XXXX XXXX multiple times who assured me that I would get credit for all the fraudulent charges which amounted initially to {$700.00} and to which were added more fraudulent charges even after the 2 claims were filed and finally they closed the account when the total fraudulent charges were over {$1100.00}. Then I also filed a police report with officer XXXX XXXX ( # XXXX ) at the local XXXX Police Department providing them with all details, a copy of which is also attached with the letter to BofA. 

I was not aware of the Consumer Financial Protection Bureau until recently when a friends father mentioned about it. So I am writing this letter requesting you to help resolve this issue. I am a student and it was my hard-earned money. I never expected such fraudulent activities could happen with Bank of America and that being such a big company they would not take any responsibility or accountability in this matter and not give my money back. 

I would greatly appreciate if you could help me get my money back from Bank of America. 

Thank you so very much. 

Sincerely, 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 2015-06-01
Company: DFC Global Corp.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Past due on a payday loan and they are calling me while at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
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: Their investigation did not fix an error on your report

Complaint:
Equifax is in Clear violation of FCRA 15 USC 1681i ( 5 ) ( B ) Equifax REINSERTED previously deleted material on my consumer report which is a form of admission. I have disputed with them several times and they keep saying the record was directly furnished from the bankruptcy court. That is a lie. I have proof from the courthouse as well as a previous report from equifax that shows the public record not on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened the Everyday Checking with BMO Harris over the phone in XXXX 2016. The promotional code that I used for the {$250.00} checking bonus was n't expired until XXXX XXXX which was after when my account was established. This code was confirmed originally by the phone agent, and the bank should have kept the recording of this phone call as proof of my claim. Moreover, I also have email proof of this promotion sent by the bank so there is no denying from the bank for refusing to honor it. The worst thing was with their customer service which seemed to have mostly been trained to tell all customers that the promotion was not from the bank at all, and the bank website has been hacked or at least the promotion page was hacked to send out this bonus. I have NEVER heard such a ridiculous response from any other financial institutions before, and it is seriously shocking to learn that a good sized bank like BMO Harris could NOT honor its bonus for whatever reason. 
The second issue is with the XXXX monthly fees charged. I have to say that their banking system is the worst I have ever dealt with, even credit unions are having better systems to make the process easy to use and streamlined for their customers. When I created my online banking account I expect everything to be automated and did NOT have to call customer service to get it to work. This has been my experience with any other financial institutions that I 've dealt with, however BMO Harris system is different and does n't work without manual intervention. The request for refunds is for the amount of time and trouble it caused me to set it up successfully. If I received the initial temporary password that your website was supposedly to send out, I would have completed the enrollment process in no time and transferred in enough funds to waive the monthly fees. 
So to summarize, I 'd appreciate CFPB to work on my behalf with the bank in order for them to honor my bonus, and refund the fees charged inappropriately. Thank you very much.

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 2020-12-24
Company: FIRSTBANK PUERTO RICO
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To finalize the closing of the sale of my house, my real estate agent requested ( she went personally and paid the fee ) my bank First Mortgage ( First Bank Puerto Rico ) for a Cancellation balance letter on XX/XX/2020. I also request it sending a letter by email on XX/XX/2020 and on the Bank Digital Banking Platform on XX/XX/2020. Today XX/XX/2020 we have not received it yet. Both my agent and I have called and carried out all procedures according to the procedures, rules and requirements of First Mortgage PR, and we have only been told that we have to wait. I never had a single delay in my payments, I have always been responsible and trusted that it was reciprocal, but no. Some other papers are about to expire, and the buyer can change her mind and walk away.

Company response to consumer: Closed with explanation