BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The company keeps raising the mortgage payment not in accordance with the agreement schedule given to us. It started out 2 years ago with a payment of {$1100.00} and now its over {$1400.00}. This is a loan modification which was a HELOC loan number XXXX where the payment became {$3200.00} at the 2nd phase of the loan.It was impossible for us to pay the XXXXThe load mod was supposed to give us relief. Moreover over payments were put into principal pay downs which were not authorized by us.Further they harassed us with the house insurance ( they said we had none... we sent the declaration page to them ) which we have had since 2004 threatening us to charge us for the insurance we already had.We have all the phone calls and statements and agreements documented but since we have had a death in the family have not had an opportunity to send it all to you.We have been on the phone with BOA for hours and still nothing has been done, Just fake promises.

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 2018-06-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an American Express business platinum card with a promotional offer of XXXX bonus points after spending {$20000.00} in the first 3 months. I completed the spend. However, American Express isn't letting me use the points. They claim they need to make sure my purchases qualify. They say it can take 6 months until they " release '' the points. It never said anything like this in the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This company has more than one account that they are saying is mine. It's original creditor is a XXXX  and I am on a XXXX XXXX XXXX. I don't even think that I was there for all of the alleged claims!

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 2017-09-08
Company: EQUIFAX, INC.
State: IN
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:
This complaint is against Equifax, XXXX and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( XXXX & Equifax ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my Equifax credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my Equifax. Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX GA- I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and XXXX. However they sneaked back later and put this on my Equifax credit report. It must be deleted because it caused me to get turned down for credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2017-09-08
Company: Dream Center Education Holdings
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The amount of {$8500.00} is being reported by XXXX XXXX XXXX as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted XXXX XXXX XXXX to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was seen for a dental procedure in which I paid the full amount before I left the office. I was not allowed to have the procedure unless I paid for it in full before leaving the office. Months later I received a bill and I disputed it in with the provider. The Provider : XXXX XXXX of XXXX. They told me they would write it off. I received the attached paperwork of the write off. Now, GLA has added it to my credit report and once again is damaging my credit falsely with information obtaining illegally.
By obtaining my dental records they violated my HIPPA rights to privacy. They also are billing me and adding to my credit a bill that I am and was never responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to XXXX and Transunion as Chapter XXXX  bankruptcy. XXXX 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( XXXX ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted XXXX personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at XXXX. Transunion has reponded that the creditor has verified they are reporting correctly which is untrue. XXXX and TransUnion are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and 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 2022-07-13
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX 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 I have inquiries that I didn't authorized also 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 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 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 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 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 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 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

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 2022-07-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX 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 I have inquiries that I didn't authorized also 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 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 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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
On the XXXX of XXXX, XXXX I was notified that my personal information to include my social security number, address, DL number etc. has been compromised and is now public information by the incident with equifax. 

I believe this is improper use of my report and was without my consent. Equifax used my private information improperly and put my identity at risk to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PNC Bank N.A.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I tried to receive a pay loan thru my bank account. PNC stop us from getting this type of loan thru our accounts. I would like for PNC to allow us to use pay loans thru our own accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Diversified Consultants, 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:
A collection for {$55.00} from XXXX XXXX XXXX in XXXX appeared on my report suddenly. I disputed with the collection agency, DCI, and they agreed to delete it. It has since appeared, been deleted again, and appeared again. It appears to be deliberate as they have outright ignored further requests to have the information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
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:
HSBC IS APPLYING CREDITS FROM MY ACTIVE CARD TO A CLOSED ACCOUNT. THEY FIRST OF ALL CHARGED ME {$79.00} ON TWO DIFFERENT INSTANCES OF {$39.00}, ONCE ON XXXXAND AGAIN ON XX/XX/20. I ASKED THEM TO APPLY TO APPLY TO AS A CREDIT ON THE ACTIVE CARD THAT ENDS IN XXXX. INSTEAD THEY APPLIED TO ACCOUNT THAT IS CLOSED THAT ENDS IN XXXX, I WANT THE {$79.00} APPLIED ON NEW CARD ( XXXX ) AS A CREDIT OR SEND ME A CHECK

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax was hacked, exposing my PII. They failed to disclose this hack until more than a month after it was detected, exposing me and millions of other consumers to the very real danger of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: RIA FINANCIAL
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I tried to transfer {$5000.00} from Alaska to XXXX to help family there during the pandemic. XXXX immediately took the money out of my XXXX XXXX checking account on XXXX XXXX and their web site said it would be available XXXX XXXX. There is no sign of the money - it has apparently been stolen. 

In the meantime, XXXX has announced they will not be opening their borders for the rest of the year. My brother works in the travel industry so is in even greater need of financial assistance now, but I am out the money I tried to send to him ( so I can't send it by a trustworthy company ) and he still needs the money. 

The worst part is that these people have all my information to set up identity theft - they should not be allowed to do business anywhere in the country and prey on people because of pandemic financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have sent payments for the past 6 months. The day they are scheduled to be made they are in pending status not " processing '' or even paid. So currently I accrue interest for an extra few days because they refused to accept my payments date. I have a payment scheduled for today and it says " Pending ''. The money is in my account to be withdrawn now it will not drawn until so I accrue more interest until Monday. I try to make payments early to prevent more interest being gained. Essentially I schedule a payment then they wait two or three days to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is reporting delinquent for two months of XXXX and XXXX of XXXX both months were paid on time I believe. This amount is claimed to be late because they had added extra charges and I continued to pay regular payments without realizing that they had added extra charges. Once I was able to make contact the payment was made. I don't believe that this should be counted as a late payment. This is affecting my ability to make other purchases. 

However, Even if this information is not good enough to remove the delinquents. This is also a time when my entire business was shut down due to the pandemic. I think that since I was never late with this company and taking into account that the country was in a pandemic I believe I should be able to have these removed. I have made contact and have had no success.

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 2021-08-04
Company: Advanced Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Advance Collections has violated my account " I was told that before a collection agency puts an item in collections they must notify me 15 days prior to placing that item on my credit report. They did not do that. '' Can you please investigate and if found in violation remove this collection as my legal rights.

Company response to consumer: Closed with explanation