BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Two months ago I checked credit reports from all three agencies. The department of education student loans that were forgiven two years ago or still listed as open by all three bureaus. Called department of education. They said they would notify all three bureaus that my balance was XXXX and the account was closed. Equifax did not get this information, they claim, and my credit score is XXXX points lower than it should be. The auto loan I am taking out today is based on todays score. Equifaxs is wrong. I will be forced to pay I hire interest rate for my loan because this information was not corrected two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Visio Financial Services Inc.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was attempting to re-fi an owner financed bond for deed with Visio financial and before I applied I had inquired if this was something that was possible. I was assured this was something they could do. I applied and provided them with all financial documentation they requested. I was approved for the loan and when they where confirming the title was clear and about to set a closing date they informed me that their lending requirements had changed and could not close the loan due to the title not being seasoned in my name for thirty days. They said the only option was to do a new purchase on investment property and I would be required to have 20 % down which I was not in a position to do and they new it because they had all my financial disclosures. needles to say the loan was never fulfilled and now i 'm out over a thousand dollars and an inquiry to my credit. I have been paying for this asset over eight years and was well above the numerical requirements for the loan to be considered safe. Also, the appraisal was flawed and contained incorrect or incomplete information which had an effect on the interest that they were quoting me. I requested a full refund and was led to believe that I was at fault because I did n't want to come to the table with a deposit and the appraisal ( incorrect appraisal ) could still be used at a different lender. I do n't believe it fair to not return any portion of my expense when I was led to believe one thing and they changed at the last minute to requirements that they knew I would not be able to meet. They are being deceptive and dishonest about their practices and charged me for a loan they knew they were not going to fulfill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
M & T Bank XXXX  XXXX XXXX has purchased Peoples United Bank and will be converting over the United Bank checking accounts over the XXXX XXXX Weekend. As part off the conversion, there will no longer be access to the checks processed by United Bank prior to the conversion By access it is defined as to the check image both front and back sent by the checking account owner to the payable party. The hard copy statement does not provide the detail needed in resolving any inquiry or resolving a complaint.

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 2015-05-13
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me.

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 2016-02-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I would like to submit a complaint regarding my student loan from Wells Fargo. I have been paying off this loan since XXXX. I pay from {$200.00} to {$300.00} a month towards this loan. My last payment was {$200.00}, of which none of that money went towards the principal balance, only towards the interest. I find it ridiculous that I am basically paying for all this interest, while the principal balance remains untouched. When I took this loan in XXXX, the original balance was {$17000.00}. After making payments for 4 years, my current principal balance is {$15000.00}, only a XXXX dollar difference. After making these monthly payments only to see a minimal dent in the principal balance is disheartening, to say the least.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Remitly, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, I transferred t {$500.00} to my mother in XXXX, but after 20 days, her bank has not yet been able to locate the transaction. 
I attempted to contact Remitly via phone, chat and email relentlessly for over 10 days and was never able to receive a response. 
Please help me in getting this company to investigate why this transaction never reached the destination account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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:
THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank of America ( my XXXX card ) added foreign transaction fees to a purchase I made on- line, on XXXX/XXXX/15 transaction ( reference ) number XXXX. Based on my conversation with the company, Just Sweatshirts they disclosed that they shipped the items from XXXX XXXX XXXX, XXXX, New York. I was billed in XXXX dollars ( {$180.00} ). My bill and invoice confirms that the company shipped my product from New York State. 
The card company said that the company billed them from XXXX, XXXX. The company denied that. I have the documents to support my allegation of Fraud by Bank of America. It is not about the minor {$5.00}, It is about how many millions is the credit card company making illegally by falsely adding on fake foreign fees. Even if the company sent paperwork from XXXX, the products came from the XXXX, not XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Debit and check overdraft fees. 
Its an annual XXXX XXXX dollar bank ripe off of the poorest citizens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC refuses to acknowledge their property tax rate for my property is wrong. I 've provided documentation stating as much. Now they continue harassing me by saying that I 'm in risk of getting reported to the credit bureaus for not paying. However, I 've never missed a payment and refuse to pay more than what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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  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 2022-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/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 2023-07-23
Company: EQUIFAX, 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:
On XXXX an credit card through XXXX  XXXX was opened in my name that I had no knowledge of. I was not utilizing my credit during that time frame. I am starting this claim so that this account can be disputed and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was put on hold I tried to explain that my card was lost that I didnt make the transactions that was on my account so I asked if I can withdraw the money from my savings so I can pay my bills during the dispute investigation they told me they was using it for the negative balance in my checking from a check that wasnt deposit by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Original Creditor XXXX XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from XXXX XXXX, EXPERIAN or 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 2017-01-18
Company: Reliant Capital Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was called about a student load that can not be found for the amount. I called both my school as well as XXXX. I have a company called reliant capital solutions calling and said I must pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
To whom it may concern, I have been a member of Paypal for years without any interruptions or obstruction towards my account. Well, recently opened up a business account on Paypal that specialized in web services. To which, very recently, Paypal had limited my account and asked that I provide documents to prove my identity and such. I followed their instruction to the letter, and yet they decided to close my account. The worst part is that they are trying to withhold my funds from me within the account ( funds that would put me back financially ). I have asked politely asked them to release the funds to me, and I will take my business elsewhere, but they have not responded to said matter. They completely circumnavigated my letter. Again, it is alright that I am to part ways to Paypal, but I disagree with their notion of trying to push me around by holding my funds and ignoring my letters. I simply wish for my funds to be released. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX set up the payment schedule as bi-weekly to coordinate with my paydays. The due date since I entered the contract is the payment to be withdrawn from my checking account the Saturday after my bi-weekly Friday payday. Now, this is the date that the dealership arranged not me. Just recently XXXX XXXX XXXX became XXXX and its been brought to my attention 2 years into this contract that my payment is consecutively late each payment ( twice monthly of $ XXXX monthly on a XXXX pay period month, if there is XXXX pay periods total monthly payment is {$690.00} ) at 19 % interest Im being charged late fees. Now, this was not my error or doing and I would like my account credited from the time of purchase to present being that Im paying extra interest and late fees for their doing. I 've made every payment on time to my contract and if the contract was written to pay late then that 's a serious concern to me since I feel as if theyre ripping me off. I was told my payout for this XXXX XXXX XXXX is still over XXXX. This is an outrage!

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 2017-05-23
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agen cy, Especially   XXXX   and  Experian,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help 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 2015-12-31
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX. 

When i signed up for the school they promised top of the line class education. I graduated from XXXX School with a XXXX GPA. How can I get XXXX in college. The classes were kindergarden education. After graduation they also promised career placement. I went to several jobs and they were all sales jobs. Nothing to do with XXXX or XXXX. Im still trying to pay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
received a statement from XXXX XXXX , XXXX stating that I owed PayPal Inc. {$150.00} when I 've never had a PayPal account. I called PayPal to verify that I did not had an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I submitted paperwork to have an Short Sale/Cash for Keys done. We received a letter dated XXXX XXXX, 2016 from Flagstar stating it was complete. Just this weekend we found out the Property was in Foreclosure Sale and that it closed on XXXX/XXXX/16. This as a shock to us since we have only been getting payment notices since we received the letter in XXXX XXXX indicating the short sale/cash for keys paperwork had been received and further notification would occur before anything happened with the house/property. We have never received any documentation confirming a Foreclosure. Billing statements are all we have received and as recent as the XXXX/XXXX/16 payment. The only reason we were aware of the Foreclosure is a XXXX estimate we received on Friday XXXX/XXXX/16 stating the property was not for sale it was Foreclosed.

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 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
Since XXXX, XXXX I have attempted to get Bank of America to correct the date of my oldest credit line from XXXX to XXXX. My credit card with this Bank states that I am a card holder since XXXX. My account number may have changed, but I have used a BoA credit card well before XXXX. My credit rating has suffered, because I rank a B in terms of " Oldest Credit Line '' in light of BoA 's wrong reporting. 
I have regularly sought to get BoA to correct their dating mistake without success. I understand that the FCRA requires action within 30 days. BoA has dithered and refused to correct their mistake for my account no XXXX All credit agencies continue to state my oldest credit line as having commenced in XXXX. 
I am seeking your intervention to get BoA to correct their mistake and to inform the credit agencies that my oldest line of credit dates back to XXXX and before. 
Thanks for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : XXXX XXXX XXXX account : XXXX balance : {$1400.00}

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