BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Synovus Bank
State: CA
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 had an acct ending in # XXXX with First Progress Card. I submitted a payment to correct an erroneous past due situation which destroyed my credit rating. After having communicated my displeasure with their service and comment that it would take 3 months to get my deposit back I decided to close the account. The response to this closure was another massive hit to my XXXX Credit score ( XXXX points ). This need to be corrected immediately as it has already cost me dearly on a mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i opened my account back in may with BANK OF AMERICA and it was fine until somehow i was notified i was put on a fraud restriction.following that i was made aware that the representative who help open my account had never cancelled original one instead opened 3 new accounts and attempted to run my credit for a credit card i did not authorize and that was i was put on a fraud alert then everything became a problem. i received a check for a payment i received for work and it came back bounced, which all my previous checks were good checks and were credited. following that i got a letter that my accounts were closed without further notice date XX/XX/2021 and i had no access i had funds of XXXX and was told id receive a check.i had payments and deposits that were gon na start being deposited and still havent received them because they refuse to fix the issue. i was told to go in person to the branch so i did and still nothing, ive received checks from Bank of america in the ammount of XXXX and XXXX which were no good.ive had about 9 credit inquiries that were not me and they agreed to remove and 2 months latter nothing i founf out i have 7-9 opened accounts that i was not aware of some with balances and yet they say they will close them but nothing i keep receiving debit cards issued by them and constant statements and whe i call im on hold for usually 2 hours before the representatives hang up. this has cause so much stress and financial loss due to time spents and trying to regaing my funds back and have put me on alert with other banks due to their employess mistakes ive supplied documentation to prove identity and went in person to a branch and nothing works.i need this issued solved before i take this to court and file a law suit.

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 2023-12-06
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
" I am pleased to confirm that I have successfully paid the entire balance for this car loan account. yet negative marks persists on my credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-10-29
Company: EQUIFAX, INC.
State: TN
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX, Account # XXXX has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen. Then Wells Fargo changed my whole account. Now it's over drawn and I don't have a new debit card to over drawn 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 2023-07-12
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/23 Called and spoke to XXXX requesting my free consumer report with Credo. I explained that I was a victim of identity theft. I was informed that they no longer provide reports unless I applied for a mortgage or auto loan recently. She said they were now a tech company. I requested that they could email me that in writing, but I was told no. There should be some sort of process in place that can provide consumers with information regarding their reports.

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 2021-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In 2016, I was banking with Bank of America and received a check and attempted to deposit it after doing work for a private business owner. After depositing the check, my account was frozen and I went into the bank the next morning to see what the issue was. As a young college  student that was only trying to deposit a check, I was terrified when the bank told me they would call the police to have me arrested. I was given a bad check and was placed with in the EWS and Bank of America did not lose any money because no money was withdrawn. They kept my savings and would not let me with draw it because they closed my account. They will not answer any of my questions or get into contact with me at this time.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/2022, I sent XXXX and Transunion letters to dispute inaccurate information on my credit report and demanding verifiable proof that they have on file. Once 30 days went by, and I realized I did not receive any proof that I requested and those negative items were still showing up on my report, I decided to submit this complaint. On XXXX/XXXX/2022, I also sent a letter to the above mentioned bureaus letting them know that I did not receive a response as requested and that I would be submitting a complaint to the FTC. Please see the accounts listed below : - XXXX Account Number : 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 2020-06-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Enhanced Recovery Company has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. This account is not mine as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. They have no validation of the debt belonging to me. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Enhanced Recovery Company is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Credit Systems International, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed this accounts while over 30 days ago with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data International, Inc is falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 

I have disputed the validity of this debt with XXXX  and XXXX. Unfortunately the companies simply parrot IQ Data International 's position that the account was " validated ''. 

This is unacceptable as I requested a real investigation several times. This includes a request for furnisher to provide original documentation with my signature and also a itemization of how the alleged debt was calculated. Neither the original furnisher XXXX XXXX or IQ Data International has provided me with an answer. 

My family and I have been homeless over the years because I was denied a real investigation into this matter. They ballooned the debt no sooner than we let the settlement ink dry and they received my {$2000.00} back in 2014. 

Please note I continued to pay XXXX XXXX on a month to month lease basis as the owner of the property had no problem with me once a settlement was reached. I have proof I left the property owing nothing from that transaction. 

It is my belief XXXX XXXX did not pay the owner in accordance with the settlement terms and upon me leaving the property XXXX XXXX XXXX, immediately attempted to doubled the amount the alleged debt it claims I owe. 

I have court documentation proving that I paid over {$2000.00} dollars on this alleged debt back in 2014. XXXX XXXX should also have a copy and has refused to submit anything relating to the court settlement which is outrageous. XXXX XXXX has violated my rights by fraudulently inflating the alleged amount owed after our court settlement in 2014. Furthermore I was not notified that XXXX XXXX sold the alleged debt to IQ Data International. 

IQ Data International having detailed knowledge of my complaint has also ignored my request for an itemization of the debt. This is clear opportunism and unless IQ Data International can provided an accurate itemization of monies paid via the court settle in 2014 it purchased a debt that was inaccurate. To continue to report on the alleged debt after having knowledge of errors is a violation of federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Money was taken fraudulent and did all proper paperwork but still got overdraft fees charge

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 2021-07-05
Company: Chime Financial Inc
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an account suspension email from chime on XX/XX/XXXX and was told to provide certain documentation so a resolution can be reached - I even called a rep to verify that this was all I needed to do, and he confirmed in the affirmative that I'd need to send that information to XXXX. I promptly provided the requested information and documents within the same hour. 
The next day, the XXXX of XXXX, I received an email from chime requesting the same information I already sent in. I went ahead and resent the documents and information, with all new attachments, and to my surprise I got a response asking me to resend the exact same information. I did and this pattern repeated at least five times. In my final email to chime, I told them I was tired of this back and forth and to go ahead and close my account and issue me a refund. Chime promptly notified me of my account closure within 5 minutes of emailing and also mentioned that I wouldn't be getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2023-11-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
Maximums is the owner of Aidvantage and they are a mis-managed and fraudulent company. Aidvantage has changed their names too many times to be credible. I was sent an email that all my student loans were forgiven and the balance for all of my loans was {$0.00}, two months ago. Now on the same website it shows that I have a past due balance. Prior to being sent the notification that I had {$0.00} balance due to the Biden loan forgiveness program, I submitted a request for a forbearance.

I would like to file a formal complaint against Maximus, as well as Aidvantage or whatever they are calling themselves. Maximus and Aidvantage do not need to be the service company managing any student loans. The Dept. of Education and the Financial Aid System needs to manage these programs. Aidvantage and Maximus are both fraudulent companies. 

I have again requested a forbearance request as of today and am awaiting their response. Aidvantage notified me of my XXXX balance for all my student loans as well as all parent plus loans in my name. 

In Jesus Name please put Maximus and Aidvantage out of business.

Company response to consumer: Closed with explanation