BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: MD
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: Problem getting your free annual credit report

Complaint:
For the past 3 years, i have not been able to access my credit report from Experian despite numerous attempts both online and through their help line on the phone. I can not create a new account, access the account i created previously, or change the password. Each time, i get a generic error that does not explain the issue and calling Experian just results in them telling me they can not access my account. 

I not only don't know what is in my credit report, but i have no way to fix it. I don't know if there are errors or how to fix it. 

I have tried to access the report from Experian through the government sponsored website for yearly reports, directly from Experian website, and through ob the phone. 

I want to know what can be done to make Experian compliant with the law.

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 2016-09-14
Company: Receivables Performance Management, LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
the number they are calling is my work cell phone. I have repeatedly ask them to stop calling me at work, the caller apologizes then an hour later another call. this company also calls my house at least 15 times daily without leaving any messages. I have asked to speak with a supervisor each time the caller hangs up on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From at least XXXX, XXXX to the current month XX/XX/XXXX, my Bank of America checking account ending in XXXX has been charged a {$25.00} maintenance fee on a monthly basis by mistake, and Bank of America customer service representatives has acknowledged and agreed that this is due to an error on the bank 's system. However, the Bank 's customer service representative was unable to refund these fees to me, because he said that he does not have authority to do so ; he could only file a case to the bank 's back office to make sure that this error doesn't happen to me again on a going forward basis.

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 2017-01-03
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On or about XX/XX/XXXX, my phone with XXXX service was lost/stolen. I called XXXX to alert them of this fact and cancelled my service. The representative acknowledged that my service was cancelled. There was no contract. 
My credit card was charged ( {$85.00} ) for service from XX/XX/XXXX - XX/XX/XXXX. There was no charge to my credit card for the period XX/XX/XXXX-XX/XX/XXXX. Then, my credit card was again charged ( {$85.00} ) for the period XX/XX/XXXX-XX/XX/XXXX I had not resumed any service with XXXX for these time periods. 
I went to the XXXX Ohio XXXX store to straighten out these billing errors. The store manager at that time was XXXX and he and another employee XXXX, called the billing dept to straighten out this issue. They talked to a representative for about one-half hour and told me that possibly they had been able to resolve this issue but were not certain. 
So, I contacted my credit card and told them I was disputing the XX/XX/XXXX and XX/XX/XXXX charges. Subsequently, my credit card company sent me a notice stating " ... the credit card dispute with XXXX has been resolved. The credit we issued to you ... will remain on your account. '' Thus, the erroneous charges were credited out of my account and XXXX at that time acknowledged that no charge should have been made. 
Beginning on XX/XX/XXXX, I have received four or five debt collection letters from XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) and Receivables Preferred Management ( 10/08/16 ). In each instance I have sent the above information to each within the time period required. But the only result I have had is that this non-debt is sent to another company or affiliate.

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 2021-04-25
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Sent money through Zelle on my banking app to complete adoption process and never received the puppy that I was adopting. I have a contract between us saying that the amount sent would be for the adoption and if that wasnt completed that I would get the money back. Money was for XXXX XXXX XXXX XXXX and registration fee. The amount was for {$650.00} process on XX/XX/2021 The companys number that the adoption was through was XXXX puppy ranch

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Equifax team, I am a victim of identity theft Please remove and block the fraudulent account XXXX/XXXX  XXXX per section XXXX of the FCRA. Dispute confirmation number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was enrolling at XXXX college, XXXX, and was encouraged to take out a private loan by the advisor I was speaking to and when she told me that XXXX was not covered by federal loans and that I had to pay out of pocket while in school to be eligible to remain and complete my course of study. I knew I could n't pay that and I did not even have a job so I could not pay if I wanted to. My partner at the time was also present and was asked by the admin department advisor, if he was willing to help me with that portion of the money so I can attend. He agreed and they enrolled me that fast. Now we r not together and he did not pay the loan, I got stuck with it and now I am falling behind what are my options when I did not need to create a debt in order to attend school and now he forgot he agreed to help me pay that. So how does that work, I am trying my best but I am still struggling because of that loan from genesis lending. That service is not even worth the problems a lot of XXXX students have experienced, they ca n't even show you correct detailed information online or on paper for that matter, and now they are getting sued for putting that kind of burden on student 's that are trying to get an education to make money when they when they get a job .... How would I be considered for a discharge on that part of my student loan, I believe that I am paying for something that I should not have to when I did not have income and my ex partner was the responsible party when he agreed to pay that part.???

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 2021-04-25
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This complaint is in regards to Binance US. They are a cryptocurrency  exchange. They were supposed to require you to register your personal information to use their exchange. They allowed all of their customers to buy and sell cryptocurrency without being verified, until recently. They are now requiring you to be verified to sell any of your holdings, even though they allowed you to buy them without being verified. When you attempt to verify your account, it takes several weeks to be verified. A lot of people are in the same position.. They let customers put money in, but are refusing to let them take money out at their convenience. There's no good reason it should take weeks to verify your account. They have next to 0 customer support and there's nobody to contact to get your account verified quicker. It's irresponsible and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Hello, My fianc leased a brand new XXXX XXXX XXXX through XXXX XXXX located in XXXX Florida. On XX/XX/XXXX we turned in our XXXX XXXX XXXX completely paid off and proceeded to lease a brand new XXXX XXXX XXXX. Our original loan was through GM financial. We received late payment calls and emails from GM financial after XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX we receive 11 recorded calls from GM financial where we explain the situation over and over again. We stayed that we had turned in XXXX XXXX XXXX with a paid off lease and the dealership XXXX provided us paperwork that they would be purchasing the car from GM financial. On XX/XX/XXXX GM financial reported a late payment to the credit bureaus and this caused my credit to drop from over XXXX to the low XXXX. We did everything in our power and what was expected of us to turn in this car and get a brand new car and we specifically said to GM financial we did not want this to affect our credit The car was no longer in our possession and we paid off and completed the lease terms so it was not our responsibility. Every representative i had spoke to from GM financial told me that they would call XXXX and get to the bottom of it. We called XXXX XXXX many times to have this issue resolved and every call became less respective and difficult to work with their employees. Me and my fianc feel like XXXX tried to steal the XXXX XXXX and hoped that no one would notice. We need to have this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount was incorrect and my account was sold to a collection agency after the statue of limitations expired. once the credit bureau remove 's the debt from my credit report it keeps showing back up.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-04-26
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called to cancel my service with XXXX in late XXXX XXXX, 2019, because the equipment was not working. They said they would, but I never received a confirmation. When I didn't receive a confirmation, I called again. Again, they said they would cancel my account. But they did not cancel my account. I called a third time, and mailed a letter, to cancel. This was finally acknowledged, and they canceled my account in late XXXX. However, they charged me for XXXX, even though the equipment wasn't working ( and I tried to cancel twice previously ). 

They sent the account to Credence Resource Management , LLC, and I have to continually dispute this debt. 

I sent them the evidence that I sent to XXXX in the mailed letter that finally resulted in them acknowledging my cancelation. 

They keep contacting XXXX, and XXXX says it is a valid debt. It is not a valid debt. They did not honor my cancellation until the 3rd time I contacted them. You can not charge me for what I did not agree to pay for and additionally, when service was not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, Recently, I encountered a situation where a check that was written to a party ( who was a family member ) did a mobile deposit and in person deposit twice w/ XXXX XXXX XXXX . This was a mistake ( human error ). 
Once the person found out that this was a mistake, he informed his bank - XXXX XXXX XXXX in CA. 
The bank told the person that it will be taken care of and it will not be submitted. The reality was otherwise. 
While my bank - TD Bank accepted the check again withdrew money again from my account. I was told that there are XXXX separate processing XXXX for mobile deposit and other is for in person bank deposit. 
When I questioned my bank what precautions are you taking if I were to write a check to a party that could be substantial amount and that party decides ( because of this loop hole ) to deposit a check multiple times, my bank will withdraw money from my account as many times as the person who tried to deposit. My bank ( TD Bank ) had no answer and there is nothing in their system to detect this scenario. 
My request to Federal agencies is to mandate and provide guidelines to all banks here in US for all US depositors to be protected against above scenario which is highly likely when it comes to fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Diamonds International, TD Bank credit provided 6 months same a cash and they are not honoring the documents signed. The purchase was made on the XXXX of the month and they are back dating the cycle to the XXXX. The XXXX is not the XXXX and it is n't 6 months as agreed to on the signed acknowledgement. They will not adjust the cycle correctly. This is not a fair practice and not 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and I have multiple fraudulent activities which is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been working over the past 5 years to maintain good credit. I have worked very hard to clear up old debt and not miss any payment. Recently I had XXXX XXXX report a late payment when it was an error on their part I contacted them and they fixed the error. Well today I went to check my credit with nothing changing except the correction showing 98 percent payment history to a 100 percent due the error that XXXX fixed. My score dropped 20 points!!! when I tried to enquire in the drop with Transunion it was impossible to speak to some that spoke English mush less speak with an actual human.

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 2017-01-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was at TD Bank depositing money ( {$250.00} ) into my account via ATM. The ATM proceeded to take the {$250.00}, rejected {$40.00} but did not credit my account with the rest ( {$210.00} ). As it was New Years night, the bank was closed so I called the help line. They told me that there was nothing I could do over the phone and that I had to go to the bank the following morning to fill out a loss prevention form. I filled it out and was told I had to wait 10 business days ( which was not the best because I had rent due the next day ). I waited however, and never heard back from them by the end of the time. When I called the following day, I was told the claim was denied. Shocking given the fact they can see through security cameras that I deposited the money into the account, it did n't show up on my statement, and the ATM was most likely over {$210.00}. I spoke to a supervisor named XXXX XXXX, who called the branch on XXXX XXXX in XXXX New York, where I deposited the initial amount. XXXX said, after speaking to the manager, XXXX, that the ATM was not over that day, therefore they can not credit the account. You would think at this point they would check my statement and see that I, in fact, did not have a pending deposit for any amount ( let alone the original {$210.00} ) that day while also checking the security cameras to see the transaction go down. 

Their only solution was for me to go back and re-submit the report, although the outcome could be exactly the same and I could be re-submitting reports for months before I see my money. Unfortunately, I had work, so I had to authorize my partner to go in and speak to the manager. She went to the bank anyway & spoke to manager XXXX XXXX ( who she said was excellent ). She brought both the initial report and my statement showing that no amount of money was deposited that day. XXXX found out that despite what the investigator XXXX XXXX XXXX XXXX said there was some kind of discrepency in the ATM that day. However, the only thing she could do was email XXXX and ask for her to expedite the process. XXXX attempted to call the ATM investigation unit, but she was put on hold for more than 10 minutes. The quickest I would hear anything more about the investigation would be the following day ( tomorrow ). 

When my partner questioned XXXX about checking the security cameras as evidence into how much money I deposited into the machine, they said the only way to do that would be to file a police report, which could take a long time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-25
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have my checking and saving account with another bank. Nationstar dba Mr. Cooper was sold my mortgage and has been my mortgage provider for about a year or so. I do not do automatic mortgage payments but pay the mortgage with Mr. Cooper 's app. 

On the morning of XX/XX/21 at XXXX XXXX, Mr. Cooper made four unauthorized electronic mortgage withdrawals from my checking account XXXX {$640.00} each withdrawal totaling {$2500.00} XXXX. This wiped out my checking account and caused my savings to automatically deposit the needed funds into checking. 

I called Mr. Cooper 's customer service line as soon as their " office '' was open at XXXX XXXX XXXX ( XXXX XXXX XXXX  ) no less than four times. Each time I was put on hold without speaking to a live person and that my wait time would be longer than ten minutes. However, one minute after that message I was told by their system that they were experiencing higher than usual call demand and to call back another time, then it hung up. This happened each time I called. 

I went to my bank branch and spent the morning with their customer service department, who was overwhelmed with the fallout of Mr. Cooper 's issue, and filed a complaint/dispute with my bank. My funds were reimbursed later in the afternoon but I wanted your office to be aware of the unauthorized access of consumer accounts by Mr. Cooper. 

Mr. Cooper said it was a problem with their processing vendor. Regardless, I and other consumers had money taken out of our accounts ( one article from another state said one person had seveXXXX withdrawals totaling {$10000.00} XXXX without authorization. 

The scary part in the morning was not knowing if these unauthorized withdrawals by Mr. Cooper would continue.

Company response to consumer: Closed with explanation