BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
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: Information belongs to someone else

Complaint:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2017-06-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a certified letter dated  XXXX / XXXX / 17  requesting the company complete the items requested in the letter to Validate the disputed amount owed.     They responded with a letter Verifying the account. They did not furnish the requested information Validating the amount they say is owed them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Automotive Services Finance, 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:
This is not my account

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 2021-03-11
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:
I notify Equifax about the account they have on my credit report because they have duplicates on my report. They told me that it will be taken months ago, yet when I called 2 days ago they told me it won't come off. That it will have to stay on when it's a duplicate account that makes my credit report looks like I owe more than I do! This student loan is not even supposed to be on my account due to school closures! I submitted everything as did the school, and even one loan that's been on there for over 7 years! Per the law past 10 years, it's supposed to drop off your credit report by the FCRA law and it's still on my credit report. I also got a letter saying they would do it and it never happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
First there were many problems with recertifying my repayment plan with Fedloan. Fedloan requested I resubmit my tax returns over 6 times because I did not do the paper work correctly. Then my payment went from {$720.00} to {$1500.00} to {$2300.00} to XXXX in less than two months. I called ombudsman and gave the company another opportunity ( 8th chance ) to help me resolve the issue. Now my deferment was approved for a couple of days then removed and I owe {$6000.00} by XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
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:
My husband ran our credit report and noticed on XX/XX/2021, Bank of America ran my credit without my permission. I have been out of the country since XX/XX/2021, so there is no way they got written consent from me to do so. I have my passport stamp, work visa, and airline receipts to prove it. My husband has contacted them and they refuse to speak with him as to why it was run unless I am in the same room, which is impossible. I told them when I contacted them that I am international right now with an international phone line. They refuse to tell me why it was run unless we speak on the phone. I gave them my international phone number and they keep telling me their phones tell them they are not authorized to call me overseas. I have zero information about why it was run and they refuse to tell me over email or social media. I don't have the ability to call international from my current phone. My employer has called me just fine from the XXXX so it feels like I am being punished for their inability to call me. I am currently a XXXX  on XXXX XXXX on a XXXX XXXX  so I do not have access to a XXXX phone number. I just want them to tell me why it was ran, what for, how they got permission, etc, and to remove it from our credit report. Please help. I have attached proof of identity with my passport photo and proof of being out of country.

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 2017-06-06
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have an account with PNC. For the past year a ACH has been taking money out of my account listed below. for a total {$1400.00} PNC has told me they have no way of tracking who is taking this money. They have given me the phone # of XXXX XXXX listed below is the response I received via email form them. PNC the last time I spoke to them said the charges originates from XXXX XXXX and gave me the same contact the XXXX XXXX who said they do not take money from anyone account.
I only discovered that they were removing money from my account in early may and filed two Disputes for the last 60 days as my local branch manger suggested. PNC later sent me a letter rejecting the dispute and saying I only have 24 hours to file a dispute. Dispute the Branch Manger ( XXXX XXXX ) say that they blocked future withdraws from this account. I had to file another dispute on XX/XX/XXXX for  {$170.00}.
<P/>
This all started after I switch cc providers from XXXX XXXX XXXX XXXX, whom I have contacted and they said my account has been closed since last year and they have not taken any money since. Who ever is taking this money has never sent me a statement re these charges or have I authorized whoever to take money from me.
<P/><P/>
We are not authorized to remove money from anyones account. Please speak to your bank and they will be able to tell you which company is removing the money.
<P/>
Regards, XXXX, Administrator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ext.XXXX XXXX : ( XXXX ) XXXX Direct ( XXXX ) XXXX  Sprout of success May your business blossom!
<P/>
XX/XX/XXXX CORPORATE ACH XXXX BANKCARD DEPOSIT CCDISCOUNT {$100.00} XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX  XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$180.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX  {$88.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$100.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$81.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$79.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$140.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$150.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$87.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$68.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$76.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: FIRST MORTGAGE COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I have got my loan in early 2017, and during the process I have filled out paperwork what my new mailing address should be. which was n't processed ive called and emailed to get this changed and unable to change my mailing address. any more action that would be needed from me is un warranted due to this being filled out during my loan. Please help with this abuse

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 2019-12-07
Company: TD BANK US HOLDING COMPANY
State: FL
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:
On XXXX XXXX, XXXX I filed a dispute about a charge I did not make on my TD Bank credit card. The charge was by XXXX XXXX XXXX  on XX/XX/XXXX for {$65.00}. I also attempted to contact XXXX XXXX XXXX at the phone number that appeared besides the charge XXXX but it said the number was not in service. So I looked up XXXX XXXX XXXXXXXX online and could not find a local place to call. Instead I noticed there were numerous complaints filed on the XXXX XXXX XXXX website. 

On XX/XX/XXXX the bank wrote to me asking for either " a copy of the credit receipt '' or " written documentation stating that the disputed transaction is to be credited to my account. '' I had just returned from a vacation and I did not open this mail until XX/XX/XXXX and tried to call but the dispute department was closed for the weekend. Over the weekend I attempted to send a fax 2 times, but there was " no answer. '' So I called first thing in the morning on Monday, XX/XX/XXXX and spoke to a " XXXX '' to ask " How could I provide these things when I had no idea how to contact the vendor? '' I told her I could send a letter stating that I did not make or authorize the charge. I tried to fax the letter 4 more times to 2 different numbers XXXX provided, but the faxes would not go through. I also went to a local XXXX bank and asked them to fax for me. They told me it did say " Fax sent '' on their computer, but they could not provide me with a printed receipt ( since it was all electronic ) but they showed it to me onscreen. Plus ( as a backup ) I mailed the letter on XX/XX/XXXX, and asked to speak to a supervisor to make sure it would be accepted. XXXX told me a supervisor would get back to me. Later that day I called and reached XXXX to tell her I had not heard from the supervisor. She said to be patient. When no one called me after 24 hours, I called back and spoke to " XXXX '' on XX/XX/XXXX. I asked if TD received my fax and she said faxes take 24 hours to process. When I told her it had already been 24 hours, she said it was not in my file. I told her I was supposed to get a call back from a supervisor, but no one called me. She said the supervisors were very busy, but she was noting my file and someone would call me. I waited patiently day after day for over a week and not one supervisor called me or confirmed receipt of my letter via fax or mail. Instead, today I received a letter written on XX/XX/XXXX saying that " We have attempted to contact you by phone and in writing to obtain necessary info ... and since we have not received a response ... we are closing our file regarding this matter. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I opened a checking account with Bank of America in XXXX XXXX XXXX AZ. with {$1000.00}. I did not use the account and actually forgot about it. I do use a BOA credit card and online banking to track and pay each month. Recently I discovered that the BOA has been taking $ XXXX/month out for " service fees '' since approximatelyXX/XX/XXXX and this amounts to {$770.00} lost!
I spoke with a representative of BOA about ten days ago and was told that nothing can be done to recover the fees even though I was never informed that they would be applied after I had made the original deal to open the account which had no monthly charge with {$1000.00} balance.
I guess that they have some sort of " hidden wording '' in the original paperwork that I signed when I opened the account but I do not have any records to refer to as I totally forgot the account and trashed the old records a couple of years ago.
In a phone call today BOA told me that the original agreement provides that they can change the charges anytime and do not need my consent, which they did.
My complaint is that while this practice may be legal it is not at all fair to the consumer and should be stopped through regulation by Government agencies responsible for the consumer banking industry. Why should this industry be able to effectively change a contract element without assurance that the parties have been informed and consent to the change.
What a " shady '' way to do business in my opinion, but at XXXX Yrs. old I suppose my morals are obsolete.
Thank you for any assistance you may render, 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 monetary relief
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Capital One credit card with a credit limit of {$10000.00} for many years ( more than 5 ). I have never missed a payment. Yesterday ( XX/XX/2018 ) I received a letter from Capital One advising me it had closed my account because my " useage of the account was not in accordance with Capital One expectations of how the card would be used ''. I called to ask for an explanation. I was told I receive no such explanation and that I could not talk to a supervisor or anyone else who could or would explain why exactly my card was being cancelled. I suspect, but do not know, because I was not given the courtesy of an explanation, that Capital One disliked the fact I would make my payments in a timely fashion each month, and then charge up to the amount of each payment. I was never told I could not do this. And I am only guessing because Capital One is forcing me guess and speculate. At a minimum Capital One is guilty of Unfair and Deceptive Trade Practices and Predatory Commercial Conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Sharinn & Lipshie, P.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After their first Levy was removed and before I had time to look into the Judgement against me, another levy, " execution '' dated XX/XX/XXXX was placed on my XXXX XXXX and another {$120.00} was deducted by the bank, now {$250.00} total. Im fortunate to have help from my dad to buy food, the fees really take a bite out of my life! After looking over the documents ( attached ), the judgement was entered on XX/XX/XXXX! Thats the date of my Mothers Passing ( death Cert attached ), I was in XXXX to help my dad from XX/XX/XXXX - XX/XX/XXXX while mom was in the hospital XX/XX/XXXX,. I was not in NY and I did Not receive and or were not served any summons to appear either in personal and or by mail and could not have checked the Validity of the debt in question and the SOL as well, I surely would have answered any summons had I been given the opportunity. I was unaware of any judgement against me from Sharinn Lipshie, XXXX XXXX as Assignee for XXXX XXXX XXXX until they placed the Levy against my account in XX/XX/XXXX ( docs attached ). Id like a reimbursement of at least 1 of the XXXX XXXX fees ( {$120.00} ) and have the Levy, Execution removed from my XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: NV
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'm filing this complaint because EQUIFAX, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On  XXXX   XXXX ,  2014 , my mother took me in to her local branch of  XXXX    XXXX   to add my name to her savings account. The bank collected all of my pertinent information and ran a credit check unbeknownst to me leading to a  XXXX  point drop in my credit. They refuse to even provide a letter of explanation to the credit bureaus. This at a time when I am in the process of purchasing a home! My bank contact person was  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 2022-04-07
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IN REGARDS TO COMPLAINT NUMBER XXXX Midwest credit collection has refused to address all issues regarding my previous complaints. My next step will be to file a complaint with the attorney general, the XXXX, and more. 


Please address line by line every claim that I have addressed to you regarding your deceptive collection practices on the alleged owed debt. 


( Midwest credit collection has broken several laws inluding identity theft. Pursuant to 15 usc 1681A ( 3 ) ( a ) medical bills can not be shared. Pursuant to 18 usc 8 all debt obligation are of the United States. Pursuant to 15 usc 1692c ( a ) midwest collection never had my prior consent to contact me pursuant to 15 usc 1692d ( 5 ) I have been harassed and my phone has rung from the debt collector 's office. ) also I did not receive anything in the mail from your office showing any type of validation of debt. I request that you upload your correspondence and documents here to the consumer financial protection bureau for a proper paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: WLCC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I asked them to stop all ach debits from my bank account I asked them twice in emails and I called today XX/XX/20 the emails I got no response when I called they told me the needed a different firm of payment. They are charging me 500 % interest on a loan for {$560.00} I have already paid them already {$700.00} I need them to stop debiting my account I also did contact my bank and they told me they cant stop ach debits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The report that it has showing is supposed to be judicate it withheld and it's only showing up for their system but no other system

Company response to consumer: Closed with explanation