BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: SLM CORPORATION
State: MO
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:
A Sallie Mae Account Manager stated Make a payment of {$50.00} on XX/XX/XXXX & my account will be in forbearance until my next due date XX/XX/XXXX. You will not receive a negative report on your credit score if paid before the XXXX. 
I made the payment & still got a negative mark on my credit score. I did what was requested, I spoke of my concern about credit score & they made a negative report anyway. 

Also as of today XXXX made a negative credit report although payment, interest & fees are to be waived until XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had an account with Capital One 360 since XXXX. We use the account to save money in for large home projects. I logged into our account on XX/XX/XXXX to find three large transfers were made to a bank that isn't ours. The amount of the XXXX transfers totaled {$100000.00}. We reported it immediately to Capital One. They took our information and have not reached out with anything more since. We have called, and emailed and no one will talk to us or tell us what is going on. We did get through to a XXXX named XXXX on XXXX day ( XXXX XXXX ) who told us we would only get our money back if they got it back. We received no communication that funds were being transferred -- - no email asking us to confirm the transfer, no fraud call stating that unusual activity was happening and was it us -- -absolutely nothing. I have send email after email begging for status and no one has ever contacted us. Please help us -- -this is alot of money that we can't afford to lose at our age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TN
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 have submitted my dispute letters over 30 days ago the company has failed to respond to me. I am very distressed and frustrated. I have included all the violations when sending my dispute letters. Company has failed to acknowledge these violations of section 605 b FCRA. I have attached the copy of my dispute letter sent to the Credit Bureaus and my ID & SSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute with Bank of America on a transaction I was forced to take with a home appraisal and wasnt given any time to check the work only to find out nothing was done. The Bank of America took a statement from the appraisal that had nothing to do with the transaction and closed the dispute. No reasonable investigation occurred. The transaction was to force the seller to fix the sink ( no leaks or functional issues were present before or after ) then charge me for reinspection. Come to find out they charge me XXXX and nothing was fixed. Not a quality issues. Services were never rendered. When asked to reopened the investigation, they said they would but never did. When I told them I had proof nothing was fixed they said they wont receive it.

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 2023-02-09
Company: Spring Oaks Capital, LLC
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:
there are two accounts listed on my credit report that DO NOT BELONG TO ME. I was a victim of identity theft during this time frame. I have filed a police report previously and filed a dispute with XXXX XXXX XXXX XXXX regarding this matter. The accounts are under the name XXXX XXXX XXXX XXXX ( 977 ) owed and {$210.00} owed. Under same account name. I investigated further and I need this debt removed from my credit report. Also XXXX XXXX XXXX  is reporting ( 2 ) accounts under CLOSED in my 3 credit reports. Claiming two seperate accounts one in the amount of {$1100.00} owed and the other with {$710.00} owed. Both of these accounts were opened online when someone stold my wallet and stold my identity. Te had access to my ID my social security card and my mailing address informtion. All 4 of these acconts are being reported fradulently on XXXX XXXX AND XXXX. Please remove credit debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: WSFS FINANCIAL CORPORATION
State: DE
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:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

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 2019-01-31
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested validation and verification of a bankruptcy with LexisNexis that has been reporting to the credit bureaus. After 30 days I received a response from Lexis Nexis stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EdFinancial Services
State: MD
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 called EdFinancial numerous times now about the status of my student loan refund in the amount of XXXX dollars however I have not received any further information on the status of the refund every time I called. 
Ive reached out in XXXX and XXXX when the refund was announced and again in XX/XX/XXXX and XXXX but still no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX I went to the bank & while I was there I dropped my debit card. Since the bank is not too far from my house when I returned the debit card was still there. Two days later I receive a notice that my banking account would be close and I am not in the negatives XXXX. This is not the first time Wells Fargo has allowed a customer to be scammed. The Wells Fargo system allowed a faulty check to be deposited in my account. They sent me no notification on fraud or even put a hold on the check as any bank would do. They allowed a faulty check to be in my account & they refuse to reimburse me for the money taken out of my account that i did not USE. I believe the men in the back of me in the line for the atm used my card. Wells Fargo does not protect their customers at all.

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 2021-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: AZ
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: OH
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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 wanted to bring something to the attention of this bureau regarding the three credit agencies. On a side note, when you speak to someone on the phone is completely useless. They are often rude and uninformed on the rules that govern their industry. Now to the matter at hand, I have provided three images below, one reads credit usage which shows at 6 %. I have been paying down debt in the last few months and my score went up rather nicely. A few weeks ago I began paying a card that I was sending minimum payments. I noticed something curious. Because I paid 60 % of what I owed on the card. Which puts the card at 41 % my credit dropped 25 points. Now, as long as I was sending minimum payments it was not an issue. So am I to understand that despite 97 % of my cards having XXXX balance, the credit bureaus calculate the score per card when it suits them or take into account all your cards when you carry debt. In essence, wanting you to be in debt all the time. Because from what I notice if I had not made a large payment to that one card it would not have triggered a recalculation. I also provided images of the subsequent drop of 58 points because of the credit card balance. Which has been paid off already by the way.

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 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 would like to have the inquires in my credit report removed. They have served its purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I continue to get overcharged for services not provided to me by XXXX. they do not allow you to call them..they do NOT respond to emails and they continue to over charge each transaction by at least 3 % I have reached out multiple times abut have NEVER heard back from them. 

they deny you access to call them and it is beyond frustrating it is as they are stealing your money in the bright day light and you cant do any thing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NC
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-15
Company: EQUIFAX, INC.
State: VA
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 have disputed these accounts so many times with but they always complete this account as Included in Bankruptcy which im already aware of. Everytime they update these account into " Included with Bankruptcy " my score goes down. My score has been going down solely because of this. I disputed these for inaccuracies in it but they hasn't provided me any documentation or verification supporting their decision findings. ONCE AGAIN, I AM DISPUTIMG THESE ACCOUMTS FOR MULTIPLE INACCURACIES. IF YOU CANT PROVIDE ME ANY TYPE OF VALIDATION, VERIFICATION OR EXPLAINING THE INACCURACIES ON THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY FILE IMMEDIATELY. 
Attached see attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Collector : XXXX XXXX XXXX XXXX XXXX : Rent-debt automated collection XXXX   XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Date : XX/XX/2016 {$7500.00} amount This attempted debt info is completely inaccurate. I am a single mother to XXXX children and I was never behind 7 months of rent!? 
I have continued to Dispute this fraudulent information for 3 years now and the negative remarks on my credit report including this astounding amount is hindering my living abilities for my kids and I. I can not get anyplace with this info on my credit report. 
It is wrong and inaccurate and Im going to seek legal help with the Florida Bar Association for legal representation to Dispute this information and request for removal. 
My identity was also compromised with XXXX Incident 2016. Thankyou for acknowledging consumers and trying to get all of us the correct guidance and professional help we are seeking Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: U.S. BANCORP
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
US BANK XXXX XXXX XXXX  XXXX  offers a welcome bonus {$200.00} statement credit to card holders who spend more than {$1000.00} within 120 days of opening their account. I discovered from my account on the US bank mobile app the last date for me to qualify for the bonus was XX/XX/XXXX. I made purchases using the card and I saw transactions posted on XX/XX/XXXX amounted to {$710.00}. Subsequent transactions were labeled as pending. Which included the following transactions listed below : XX/XX/XXXX {$51.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$59.00}, XX/XX/XXXX {$6.00}, {$4.00}, {$15.00} Total purchases made {$710.00} + {$320.00} = {$1000.00} But when I called US Bank enquiring about my Welcome bonus on XX/XX/XXXX XXXX pm XXXX  Local time, XXXX by the name of XXXX, picked up the phone and told me that because of the pending transactions I am not qualified to receive the welcome bonus of {$200.00}. Take note that I have spent the money {$1000.00} using the US bank credit card within the time frame, the last day being XX/XX/XXXX midnight and I was told that I was disqualified because of the pending transactions yet to be posted to my account. It was never mentioned in the US bank brochures regarding credit card that pending transactions made within the time frame are not counted towards the total spending. 
I believe that I am not the only victims to suffer from unfair treatment from financial institutions. Therefore I file a complaint against US Bank with CFPB hoping that justice would be done

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 2021-01-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for forgiveness under the PSLF program on XX/XX/2020. I have tried to check on the status of my application at least 7 times via phone and live chat and gotten incredibly inconsistent information about whether my application was received, whether it had been reviewed by Fedloan, when/if it had been sent to the dept of Ed, how long that process would take, and how I would be notified of its forgiveness. One representative even told me I wasn't entitled to know where my application currently was. I'm so frustrated with the misinformation and lack of transparency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX XXXX, Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.

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