BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I refinanced my Wells Fargo Student loans through XX/XX/XXXX I linked XX/XX/XXXX directly to Wells Fargo when submitting the application. My application went through and my loan was refinanced. I now am paying off my loan in XX/XX/XXXX. I open my Wells Fargo account to find out that there is still a $ XXXX balance on my Account with them. I contact XX/XX/XXXXto figure out why they didnt pay Wells Fargo the full amount of my loan, they double check with their servicer and tell me they paid off the full amount that Wells Fargo provided for them. So I contact Wells Fargo and ask them why they gave incorrect pay-off information toXX/XX/XXXX The person I talked to was utterly useless, claimed they theyve never been contacted by XXXX at all despite the fact that XXXX paid $ XXXX of the rest of my loan with 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 2022-05-03
Company: Foris DAX, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been trying since XX/XX/2021 to regain access back into my crypto.com account to check my invesents and build progress to raise investments and have been halted by crypto.com. 
I have verified my identification at least XXXX times to be told that a piece of my elbow didn't show or not enough of my chest is in the picture. Things that have no significance when my picture and identification match as well as I am telling them the information they require to verify me. 
Other times I try and think I've gotten somewhere to find they have given the wrong solution like adding my phone number that needed changed to on the original account but not saying that being the phone number was on the dummy account I had to create in order to get to customer support, means they would need thrifty days to have an account close and let me in the original one where my money was invested. 
Today, it has been XXXX months, and I'm stillocked out and still told XXXX due to the phone number on XXXX accounts and would be XXXX days ..and I would need to go through verification again. 
Enough is enough, I feel they are hiding that they no longer have my money. They should not be able to keep you locked out of your own account for almost XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS refuse to help They just want my home Today I was on the phone with SLS for 2 hour SLS customer service was sleepy didnt know anything about SLS Keep putting us on hold to he research Didnt know about loan processing we had to drag the word out of her mouth Its a shame I am a military parent Have a XXXX husband And there is no help And government allow this crocks thief to continue ripoff people Fraudulently take peoples hom They refuse to stop the XX/XX/21 Forecllousuer Refuse to do anything Just send me off goose chase So XXXX XXXX sell my home SLS allorney put a note on my account not to 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 2019-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX of XX/XX/2019 I have opened checking account in Bank of America ( BOA ) using promotion offer for those who live in Idaho ( I live there ) and few more states ( full details in offer.pdf ). Requirements to Receive the Online Only {$350.00} Checking Account Bonus and ATM Fee Waiver : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within 90 days of account opening. I had successfully opened the account using code XXXX ( please see the screenshots evidence1.png and evidence2.png as a confirmation - I removed personal information but have original ) On XXXX I have made a call to the support of BOA and it was confirmed that offer is attached to my account. From XX/XX/2019 till XX/XX/2019 I have accumulated {$4500.00} in direct deposits thus qualifying for the sign up bonus. However, even before qualification I received a letter ( dated by XX/XX/2019, ref # XXXX ) from BOA stating that I have been qualified just for {$100.00} without any explanation why my previous offer was changed. I made a call to the support and I was explained that offer XXXX never existed, which is absolutely not true as evidence2.png shows. So BOA gave me different offer of {$100.00} and deposited {$100.00} later to my account. I insisted that the offer XXXX did exist as I had screenshots and saved offer page. Then I was told that I need to wait until all direct deposits will accumulate above {$4000.00}. After getting {$4000.00} in direct deposits I called again and support told me that my case was escalated with ref # XXXX. I was told to call after 30 days, what I did on XXXX, XXXX. During this call I was told that by this ref # there is no escalation of my case. I submitted new escalation to receive remaining {$250.00} with ref # XXXX. 
I am complaining here about unfair " bait and switch '' practice by Bank of America and wasting clients time. I hope for quick resolution of my case and prompt deposit of {$250.00} from Bank of America.

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 2023-08-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Account Balance : {$32000.00} ; XXXX XXXX XXXX Account Balance : {$32000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
These inquiries were added to my account without my consent. I mailed the credit reporting companies and have yet to receive a response and its be 40 days as of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-07
Company: EQUIFAX, INC.
State: MO
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 the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Unpaid Balance {$830.00} ; XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I wanted to refinance my motorcycle with usaa. I did all the proper paper work and trust usaa to mail the check out to XXXX XXXX XXXX XXXX. The check was stolen and cashed. I have been fighting this for 3 and a half months with usaa. I went back to my call log and counted over 50 phone calls I have made to usaa. I have talked to multiple people at the loan, member resolution and ceo department. I have filed multiple complaints with the XXXX and usaa is refusing to make this right. The check was cash by an unknown party named XXXX XXXX and not XXXX XXXX XXXX. I have talk as well to XXXX XXXX cause that is where usaa sent the check from. XXXX informed me that usaa needs to call cause it's there account to open an investigation which they refuse to do. This case has been to fraud at least 5 times for usaa to say there is no fraud. I am now stuck in the middle when I had nothing to do with this and usaa is refusing to make it right. I have to motorcycle payments now. Usaa sees it as the check being cashed and it's not their problem anymore. But for over 3 months usaa has stonewall me and not made it right. I also have a photo copy of the sign check but they have refused to track where this money went and what institution allowed this person to cash the check when it was made out XXXX XXXXXXXX. I am now in the process of seeking legal action against usaa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft.

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 2023-11-01
Company: Nelnet, Inc.
State: NC
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 disputed fraudulent student loans that are reporting on my credit reports on XX/XX/2023 and they have failed to remove the inaccurate information. I sent them copies of the police report and the FTC Identity Theft Report. The items are still on my report and there are about 10 of them. I did not take out these loans and did not attend the schools they are associated with. 

The credit bureaus have refused to block the information reporting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: IL
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:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX is reporting this account as charged off. XXXX XXXX can not collect on a discharge debt. 

Per 12 CFR 1026.11 any consumer account termination that has a credit balance over {$1.00} is due to my the consumer. 

Per the Privacy Act as a federally protected consumer I have a right to privacy. My financial history with XXXX XXXX is not public information and should not be released to Equifax. The ONLY credit bureau recognized by federal law is the Consumer Financial Protection Bureau and they do NOT furnish consumer reports therefore Equifax does not have my written consent to release my non public financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i have reached out to the bureaus and nothing have been done i provided an FTC report still nothing. Im getting declined to credit cards due to these false inquires on my report.

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.

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 2023-11-01
Company: EQUIFAX, INC.
State: TX
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 2023-08-05
Company: EQUIFAX, INC.
State: IN
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:
This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you of the fraudulent activities I recently discovered on my Credit File. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. I need the following inquiries removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief