BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX and Experian, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 2020-03-01
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/XXXX Fedloan Servicing inappropriately sent my account into default. We had sporadically been late or had fallen behind due to a serious medical condition, but were told by Fedloan after multiple calls we were still in good standing. Around that time the Dept. of Education ( DOE ) notified me that I had to go through a loan rehabilitation due to reporting from Fedloan. We reluctantly agreed to and entered the rehab XX/XX/XXXX and successfully completed the program XX/XX/XXXX. During this time, our mutually agreed payment was being remitted to the DOE since no other instruction was given during this time to change payment elsewhere. After many hours of corresponding with the DOE and Fedoan I discovered the DOE would forward the payment every 3 months to Fedloan. During the entirety of the loan rehab and up until today, Fedloan has been sending negative damaging information to all credit reporting bureaus due to an ongoing administrative error on their part. This has caused extreme financial hardship to me and and my family to the point that it has essentially ruined our lives. This company is extremely difficult to contact and work with to try to settle the dispute. I have spent hundreds of hours on the phone, online, direct mailings and filing dispute forms as well as providing proof of timely payment to them or the DOE. The most recent dispute was filed several weeks ago with once again no response. This company has the worst customer service I have ever experienced. I will furnish all supporting documentation upon request. I will not waste more time proving my compliance to the loan conditions that the DOE and Fedloan had set forth until I have assurance this forum is real and intend to pursue this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CLAIMING I OWE AN {$450.00} AMOUNT BUT HAVE FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.

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 2017-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I run   XXXX   XXXX   XXXX   to foreign countries. In  XX/XX/XXXX  this year I took  8  photographers on a legal people to people tour of  XXXX . One of the group sent a wire transfer to my account at Bank of America from  XXXX  and mentioned  XXXX  in the transfer. I never received the funds. When I followed up on XX/XX/XXXX    I was told that the funds were under review. I continued to follow up every few days but I was never allowed to speak with anyone who was involved with the process. I have still not received the funds. This was a legal visit to  XXXX  under a people to people license and absolutely no money was either sent or received from  XXXX . All payments were made through a licensed operator in  XXXX . This can so easily be verified looking at my account transactions.  <P/>  2 weeks ag o, without informing me, my bank account was frozen. On   XX/XX/XXXX  I s poke to someone in the small business department and he told me I could still use my business account. I had already sent out several checks on that account. I also made a transfer to my daughter who needed the money. On Tuesday I get a call from my daughter in tears saying that the payment to her account had been reversed. Again without informing me, my business account had been frozen. I 'm now left with no money, several bounced checks and I have yet to receive an explanation why this has happened. I 'm told I have to present proof of residency although I have lived in the USA for 38 years. I spoke to the bank 's compliance department when I first received a letter asking for this information and I was told they had all the information they needed. This was before my first account was frozen. After the freeze I sent the information as hard copy and still the problem has not been resolved and I still have no access to my money. This is now extremely serious but the people I speak to at the bank appear to have little concern for my situation. They just tell me it 's under review and to call back in a couple of days. I 'm frustrated at not being told what I am thought to have done wrong and how this can be expeditiously remedied. I am never allowed to speak with anyone actually dealing with this case. I ca n't pay my rent, health insurance, phone bills etc. This is an extremely serious situation.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the fair credit reporting act Experian, XXXX, XXXX has violated federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-03-11
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried repeatedly to obtain a loan modification have been asked for the same information three times and verified that they received it and it was what was requested the last time i was denied according to them due to the fact they stated that they were blocked on my telephone the only block that was on my phone ( it has bee turned off ) was annomoyous callers they have since been calling me on my business phone in spite of repeated requests to only call my home what kind of bank hides their caller id when dealing with a consumer they are attempting to supposedly help

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 2017-06-10
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the company to dispute this collection account there was no document provided to show I own this account. Also this collection agency has not replied to any of my certified letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Based on my first dispute, XXXX  deleted this account because it was in violation. But yet, XXXX  and Equifax are still reporting this inaccurate account with different information, which is in violation, delete per violation. XXXX  reporting high credit as zero, and Equifax is reporting high credit as XXXX, this is different information, delete this account. In addition, XXXX  is reporting two-year payment history as unknown and yet Equifax is reporting two-year history as current, all in green, per violation delete this account. For your records and my proof, I have enclosed a snapshot of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
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: Account status incorrect

Complaint:
I spoke with  XXXX  from  XXXX  in  XXXX  of    2016  about my vehicle. I advised him that I will no longer be keeping the vehicle as my grandmother had passed on her vehicle to me which has no payment. I received several calls from the dealership trying to convince me to keep the vehicle. On  XXXX / XXXX / 16 , my vehicle was finally picked up. Since this time the dealer and owner  XXXX   XXXX  has not followed proper protocol in selling the vehicle as required to satisfy any remaining balance at the time. Instead it has been intentionally reported as an open auto loan on my credit report with a rolling unpaid balance each month. I have disputed this account several times with the dealer directly, with Equifax and with the Flori da Dept of Agriculture. The dealer would verify falsely verify the item as correct. When in fact it is not. Equifax would not conduct a fair and reasonable investigation, but instead used  XXXX  although I requested otherwise by certified mail. There are numerous inaccuracies besides the fact that I no longer own the vehicle. The dealer is claiming to be holding a vehicle for me which is also false, this is an attempt to conceal the fact that he/they have not complied with the laws both State and Federal pertaining to debt collection and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX/ XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Please note, that XXXX  and XXXX  have already deleted this account as it was in violation. Per Equifax reporting account status, it states derogatory, date of last payment was XX/XX/XXXX, and two-year payment history is reporting current for the past 2 years. This is inaccurate information, delete per violation. For your records and my proof, I have enclosed a snapshot of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off loan in  XXXX  of  2017  with   XXXX   XXXX   . Vehicle was paid off with 2 pa yments of {$1100.00} and {$1500.00}. Company notified my that the title would be mailed  5-10  business days and still have n't received. Upon contacting the company they claim that the last payment should have been made by a cashiers check to clear not a credit or debit card payment. The balance is  XXXX  and shortly after paying the vehicle off I switched banks. They are now asking me to retrieve bank statements from my old bank to show proof I paid the vehicle off. I do not believe this is fair to me the consumer as I have waited almost 2 months for a title and they refuse to release it to me. I need help.

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 2017-06-10
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an e-mail indicating that I had applied for a loan through my e-mail when I had not applied for anything. I notified the company that this was a case of fraud and gave them my phone number to contact me. However, they insist that I provide an affidavit and my I.D . to cancel the application. I never applied for anything! Therefore, it is not my responsibility to provide my identification to a company that I am not associated with nor want to be associated with. This kind of practice is what perpetuates identity theft and clearly no one is monitoring how they are handling their fraud cases. I want the loan cancelled that was associated with my e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a XXXX with a XXXX at the time the reports was made. Anything on all XXXX credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a XXXX with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved. My social XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: The CBE Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint Details On XX/XX/2022 I paid off the remaining balance of two ( 2 ) phones and my mobile service with XXXX XXXX. At that time my phones were then unlocked because I had no remaining balance with XXXX  and I owned both of the cell phones. On that same day I switched my phones and phone numbers to XXXX XXXX XXXX XXXX so I no longer had ANY service with XXXX XXXX. On XX/XX/XXXX I receive a bill from The CBE Group, INC on behalf of XXXX XXXX for {$130.00} which was for services after XX/XX/XXXX. These charges included payments for both cell phones ( which I paid off ) and my monthly service fee. I would not have been able to switch my phones or phone numbers if I had any balance owing to XXXX XXXX. And in switching my phone numbers and phones to XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX no longer was my service provider. 

I never received a bill from XXXX XXXX via mail or email. The first time I learned of this debt was from a collection agency. 

I was told by XXXX XXXX on XX/XX/2022 that I would not owe anymore money. There is no way I would be able to take my phones and transfer them to another carrier if I had a balance owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/2019 I entered into an unsecured loan with XXXX XXXX of XXXX WI for the sale and installation of an inground pool. XXXX XXXX determined that I didn't have enough equity in my home to qualify for a home equity line of credit for the project so the offered an unsecured revolving line of credit. In XX/XX/2019 without my cause and without notifying me XXXX XXXX placed a lien on my home in XXXX XXXX Texas. XXXX XXXX still continues to report the debt as an unsecured debt to the 3 major credit bureaus despite securing the debt with real estate. The loan should have converted to home equity line of credit allowing me to deduct the interest on the interest of loan. My former spouse is still on the title of the property she was not notified of a lien or judgement placed against her interest. This lien places my former spouse and I in an economic disadvantage regarding the ownership of our home.

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 2022-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

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 XXXXXXXX 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 2022-04-26
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I been with Hancock Whitney bank 6 years and all of suddenly they closed my bank account for no reason with cause but I was told that I can go to another bank and open a account, it was really strange I had no debt with them and they refused to give me a accurate reason for why they did so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have talked to this company multiple times over the past 6-8 months trying to resolve this issue of fraud. All I get is transferred from one hard to understand person to another and then wind up back at the beginning. I can not get any resolution whatsoever. I sent them a copy of my police report but to no avail. 

In XX/XX/2020 an UNAUTHORIZED payment of {$4500.00} was made on my account and then subsequently recalled. When I called to ask about it, I was told that it was made with a fraudulent check but no one could tell me anything else. This put my account over the limit and I am being held responsible for it. I can not get resolution but I am expected to make payments each month or I am reported to the credit bureaus.

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