BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: ACS Education Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have already submitted a complaint ( XXXX ). In that complaint, XXXX stated since I applied for loan forgiveness with ACS, they can not speak to the information they provided. They also stated that my XXXX XXXX loan was originated under the Federal Family Education Loan Program ( FFELP ) and was never eligible for this forgiveness program. That is false. On the website, https : //studentaid.gov/articles/teacher-loan-forgiveness-options, it directly states that teacher loan forgiveness Forgives up to {$17000.00} of your Direct or FFEL Subsidized or Unsubsidized Loans after 5 complete and consecutive years of teaching at a qualifying school. Since ACS/Conduent Education Services , LLC ( CES ) has closed down due to faluty practices, who do I contact about getting a restitution payment for the {$17000.00} I am owed for teacher loan forgiveness? From my research, I have learned : Conduent, formerly known as ACS Education Services, is no longer servicing student loans and The CFPB ordered the company to correct unfair loan servicing practices by adjusting principal balances and repaying affected borrowers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
said collection agency didn't send adequate verification e.i a signed contract with me and the original creditor required by The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I was charged {$670.00} for an appraisal fee. In the documentation it does not say I will be charged regardless of the appraisal takes place or not. I did not request it to be canceled as it could be transferred to a new lender under FHA protocols Bank of America canceled my loan application due to bias information that was conveyed to the underwriter from the lending agent XXXX XXXX NMLS : XXXX and now they are refusing to return the full fee. I have written documents that do not say i will be charged regardless. This is miss information on Bank of Americas part and i want to be compensated for the turmoils created by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This is additional information for case # XXXX, which I filed last month. 
Someone from PNC Bank emailed me to call her. I have now called XXXX times since her email ( XXXX ), and her phone always goes to voicemail. Because of my travel and meeting schedule, I am not in a position to take unscheduled phone calls during the day, so I 'm not sure if there 's anything else I can do to move this forward. See attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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:
On XX/XX/2020, letters were sent to Equifax, XXXX, and XXXX alerting them that I have once again been the victim of identity theft and 5 items were not mine and should be removed at once. Included with the letter was a copy of my DL, XXXX XXXX report along with rules that they must follow. 7 days later, XXXX  quickly removed the accounts. XXXX  alerted me that they received notice for fraud and placed an extended alert on file with an incorrect evening contact number. Equifax decided to trigger a regular investigation. Due to the laws in place, XXXX and Equifax are to remove the items identified as fraud. This has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I receive my unemployment benefits in California through a Bank of America prepaid card. Today, XX/XX/20, my card suddenly stopped working, i.e. the transaction was refused at point of sale. I then tried to log into my online account, only to be told " Your security information is invalid. Call the number on the back of your card. '' I did so, and an automated voice told me my card had been " closed. '' No further info was forthcoming, which is unacceptable considering people rely on this money to survive. I then began an hours-long odyssey to speak to a representative and find out what was going on. I still don't know. Every person I talked to said they had to " escalate '' the issue, this after waiting an hour to speak to them and repeating ALL of my information ( card number, address, etc. ) for the umpteenth time. After being on hold for hours and speaking to several people, the line disconnected. One hundred percent unacceptable, period, full stop.

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 2015-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

ATTACHED TO THIS COMPLAINT IS 1. CERTIFIED RECEIPT EQUIFAX RECEIVED OUR LETTER 2. LETTER WE SENT EQUIFAX 3. SUPPORTING DOCUMENTS FROM THE CREDITOR AND COLLECTION AGENCY. 

Account # 's in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

XXXX XXXX XXXXI do not have a financial obligation with this company ; please delete this reference on all credit reports. See attached documentThank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: WI
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, US Dept Of Education/XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX 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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, US Dept Of EducationXXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX 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 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 2022-06-01
Company: OneMain Finance Corporation
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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is in conjunction with cfpb case no. XXXX. 

The collection agency Midland Credit Management, Inc began calling me and sending me mail XX/XX/XXXX trying to collect a debt on XXXX XXXX XXXX account I had settled XX/XX/XXXX through debt consultation ( XXXX ). At the time the collections owner of the account was XXXX XXXX XXXX XXXX XXXX. The last know update to cfpb case no. XXXX has Midland stating that XXXX XXXX is a subdivison part of its company and that they were no longer pursuing payment and that no money had been collected on the account. This statement is FALSE. I not only settled with XXXX for the XXXX XXXX account for the amount of XXXX XX/XX/XXXX but I have documentation and bank statements to prove so. XXXX has no right to report anything on my credit report about this account other than it was settled. Instead the company shadily tried to collect on the remaining amount of the account left at settlement. Paper copies of attachments will be sent to CFPB by certified mail with this case number as reference for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Companies keep calling - AMEX called me this morning at XXXX in the morning. I have told them to quit calling me because they are seeking a person named XXXX XXXX ( unsure of spelling ) and I keep telling them my name is XXXX XXXX and I do not know how this person is. I have my number on a DO NOT CALL REGISTRY and AMEX called me at XXXX this morning and woke me up. I asked multiple times to for them to identify themselves and he kept asking me for this XXXX XXXX and would not identify the company name. I had the caller on my caller ID so I called it back to get the identification of the company and found it was American Express. I gave them instruction never to call my number again - but have given instructions in the past. I do not want people calling me at XXXX in the morning. I need help and if I need to get an attorney to sue AMEX for this harassment then I need your direction on what steps I need to take. I could understand if it was me with the debt issue, but I have no credit issues with anyone. I want this harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
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 information incorrect

Complaint:
XXXX XXXX is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX shows the 30 day late payment in XX/XX/XXXX and XXXX shows the 30 day late payment as XX/XX/XXXX, and Equifax shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. 
This incorrect information is being reported on all three credit bureaus ( Equifax, XXXX and XXXX ). 
I have tried to resolve this with each of the bureaus as well as with XXXXXXXX XXXX and it keeps showing up on my credit reports incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, TU shows the 30 day late payment in XX/XX/XXXX and XXXX shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. 
This incorrect information is being reported on all three credit bureaus ( XXXX, XXXX and TransUnion ). 
I have tried to resolve this with each of the bureaus as well as with XXXX XXXX  and it keeps showing up on my credit reports incorrectly reported.

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 2022-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX will not allow mortgage lenders access to my credit report. i have applied for different mortgages and the mortgage lenders can not access my equifax credit report. a small loan lender was able to do it with no problem. i do not know what is going on. i tried calling and they tell me that i have to send in a copy of my driver 's license etc to get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I got an American Express Platinum card which promised XXXX membership rewards points upon spending {$3000.00} in 3 months. I met the spending on the card and I was awarded the XXXX membership rewards points. Upon receiving the points I redeemed the XXXX points for travel. After I redeemed my points, American Express took my points back and now I am sitting at XXXX points. I got a letter from American Express that I redeemed my points too soon and that is why they took the points back. This is not part of the agreement. Because of this issue whatever the points I earn through platinum card purchases will go to the negative balance of the points. American Express should provide my points back as I met the minimum spend as mentioned in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
XXXX XXXX  is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX  shows the 30 day late payment in XX/XX/XXXX and Experian shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. This incorrect information is being reported on all three credit bureaus ( XXXX, Experian and XXXX ). I have tried to resolve this with each of the bureaus as well as with XXXXXXXX XXXX and it keeps showing up on my credit reports incorrectly reported.

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 2022-06-01
Company: Americas Car-Mart, Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
I had a car loan thru Car Mart for a XXXX XXXX XXXX. The payments were due weekly and added up to XXXX monthly. I had my account set up on autopay and never missed a payment. I checked my payment history and it says I was late 30 days. I have had two vehicles paid in full with this company and never missed one payment. I tried reaching out to corporate and they told me to reach out to the credit bureaus. I did. I sent a dispute about the pay history being incorrect. They in return said the information was accurate and would not investigate the matter. I want the payment history updated to all payments on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please help I have done my best to contact Equifax about the fraudulent items on my credit report. The refuse to acknowledge my request. I need your help to have them full fill the request. I read on my local police departements website that I should speak with you if Equifax does not comply. XXXX and XXXX XXXX XXXX are accounts that have come onto my credit file as a result of identity theft. Please remove these items. I am making this complaint against Equifax because they will not help me as is required by law. 

I will attach the same items I previously sent Equifax that they blatantly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was denied credit and I paid for a complete credit report and score equia fax and Experian refused to give me a score when I was denied credit and they refused to up date my score when I got a loan from XXXX XXXX for a car to keep my score low and preventing me from getting additional credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Social Finance, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've tried opening an online account with XXXXXXXX XXXX and they keep denying it. I chatted with them and they said to very that everything is in order with XXXX ... ..I did. They still won't open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX. XXXX XXXX Account number # XXXX XXXX. XXXX XXXXXXXX Account number # XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX. XXXX 's Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX. XXXX XXXX Account number # XXXX XXXX. XXXX XXXXXXXX Account number # XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX. XXXX 's Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number 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 2020-12-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong

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 2015-07-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all three credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you

Company response to consumer: Closed with explanation