BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i was contacted by XXXX that i had over XXXX in transactions in less than 10 minutes. I informed them that i was not at XXXX buying gift cards. I then checked my other accounts and noticed pending XXXX transactions in the amounts of XXXX up to XXXX. I called and filled a report with XXXX who refunded me and locked out my accounts. I then called Wellsfargo and reported it as well. They said it would take up to 10 business days to resolve. I checked back numerous times to hear that they were still working on it. The XXXX day i received a letter stating that they found no evidence of fraud.I then filled a complaint stating that i did not approve of those transactions and do not know the people who took it. I asked for how they came to the decision and the service rep said a letter would be mailed to me but she is not allowed to tell me the process. I received the letter a few days later to see that Wellsfargo stated that they found no evidence of fraud and that whoever did the transaction had to be someone i gave my username to. I am reporting Wellsfargo for not taking the proper steps in investigating my account. I provided them a screenshot of XXXX returning my funds from the fraud. I informed them that no one is authorized to use my account but me. I let them know that i had recently purchased a new phone with a new sim card and that someone may have gotten my information from that. The fraud amounts and dates are as follow : XXXX {$100.00} a second one for {$400.00} to the same person. Then on XX/XX/2020 another transaction of {$500.00} was made using my XXXX, I also informed Wellsfargo that i have never made a XXXX transaction in the entirety of my banking with them. The XXXX transactions only had emails as a form of contact which i have no relationship to these people. I would like Wellsfargo to do their do-diligence in the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Ameritech Financial
State: MO
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:
I was a customer of Ameritech Financial. In Connection with XXXX ( Student Loans ) FTC has sued Ameritech for deceptive practices. The XXXX XXXX XXXX   XXXX did not apply my payments towards my student loans. I was charged a total of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: DC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I began to manage my parent 's expenses in XX/XX/XXXX. Due to both my parents becoming Ill then passing away within 2 months of one another. My Parent 's had file a bankruptcy approx. 5 years prior to their passing. their Mortgage loan servicing company Select Portfolio Serving, had refused to discuss the account with me every time I called, they were happy to take the mortgage payments however even after sending requested certificate 's and probate award documents still refused specifics about the account. after sending probate award documents they then asked for an affiv showing myself to be administrator or executer of the estate, well the probate documents stated all the information they asked for. so my attorney draft an affiv that I had notarized and faxed to SPS, however now when I call they tell me I need to speak to the bankruptcy dept. and calling three times in one day is excessive. with the same out no one is available to take my call. someone is always avail to take the mortgage payments, for a year I have been denied information on this account. so in the process of refinancing my lender remarked that if their dedt was discharged it may be dissolved. I feel as thought I have been taken advantage of, and my rights have been violated by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: GA
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:
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX  creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX  account # XXXX  balance : XXXX  creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : quick loan company account # XXXX balance:XXXX creditor : regional acceptance co account # XXXX balance : XXXX  creditor : XXXX XXXX  account # XXXX  balance : XXXX   creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX   XXXX  , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX   THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I go to visit my online banking at my Bank of America app only to see that my account has been frozen and is pending closure. I immediately call Bank of America & get a representative on the phone who informed me that Bank of America has made a business decision to close my account and to part ways. I accept the fact that for whatever reason ; Bank of America wants to close my account & I proceed about asking on how I can withdraw my funds that are in my account. I have a total of {$8800.00} in my checking account. The representative says that my account is under investigation and is pending closure and that the only way I can get my money is when they fully close my account & send me a check in the mail. This is unacceptable. It is now XX/XX/XXXX and I do not have access to the only money I once had available to me ; therefore I can not purchase food to feed myself, I can not purchase additional food to feed my children, pay for my sons day care & survive in general. Bank of America is playing with my legally earned money that I have worked oh so hard for and is holding my money until Bank of America feels like sending me a cashiers check of my hard earned money. I have had this account for three years and I do not believe I have not once violated any rules and regulations. For Bank of America to freeze my account and hold onto my funds especially during times like this when the country is going through a pandemic ; this to me is unethical & inhumane. All I ask Bank of America to do is to release my funds to me that I am entitled rightfully entitled to - It has been almost one week and I do not have access to my money and I do not know how much longer me and my family will be able to survive like this. At this point we are at the mercy of the almighty Bank Of America where it seems as if they can do whatever they please with your livelihood with no regard to the consequences their clients have to face in the real world during a world crisis.

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 2021-01-07
Company: Law Office of Brett M. Borland, P.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2021 Called XXXX Law Office of Brett M Borland, P.C. 

Amount {$590.00} Spoke to account manager. I told him I didn't agree with all the charges. But wanted to discuss settling the account. I told him the charges I had were incorrect. As we reviewed, and discussed the charges, he became argumentative and said too bad I should have disputed it when I moved out. He said I was being rude and condescending when I told him it's against Texas State Law to charge for items in an apartment lease that are considered wear and tear. He stated " Oh when did that become law ''. I told him what I would agree to pay and he blatantly said that wasn't going to happen. I then ended the call when he continued to talk over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a 1099 c form for tax purposes on a charge- off account. This debt is listed as payable income by me doing so. How can this still be reporting on my credit report it violates the FCRA and not only that several inaccuracies are constantly being reported and keeps being verified as accurate with no proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I spoke with Navient in XX/XX/XXXX about a potential late fee over the phone and through their messaging system. The rep over the phone said as long as it was paid by a certain date, ( which was a few days into XXXX ) a late fee would not be applied. I paid the loan before the late fee, so no late fee was applied. I continued to pay my loan before the late fee date. 

The ONLY date that was missed was for the XXXX payment, and the late fee was applied for {$3.00}. I paid that late fee and even made XXXX payment early. 

I noticed another {$3.00} fee was added to my account when XXXX statement was generated online. At this point, I was in the hospital recovering from emergency XXXX and decided to deal with it when I was XXXX. 

After I was XXXX, I emailed Navient through their messaging system on XX/XX/XXXX asking about the late fee and how it should be removed since I paid the XXXX late fee I owed. 

However, I have never been XXXX month behind as I have only been a couple of weeks behind at most. Clearly if I were XXXX month behind, this would have been on my mothers credit report as well as my own ( It is not. ) I am attaching the payment history as I am not paying the late fee since it was paid. I would like this resolved quickly as it looks like they are attempting to make up past late fees, which is not legal. Again, I paid within the date before late fees were applied. Navient gives you until a certain date through the next month before late fees are applied and I have only missed this date XXXX time. 

The response I received is below from XX/XX/XXXX Your loan ending in XXXX has been XXXX month behind on payments since your XX/XX/XXXX payment due date. The payment for this due date was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX then was returned on XX/XX/XXXX. Due to this returned payment, a XXXX XXXX was assessed on XX/XX/XXXX. Please note a XXXX XXXX can not be satisfied until it is disclosed on your monthly statement. Payments made before the disclosure of the XXXX XXXX will not be applied to the XXXX XXXX and can not be altered. 

We appreciate the opportunity to serve you. 

Best Regards, XXXX, XXXX Servicing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
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.

has violated my rights. Or a list of inquiries : 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 2022-10-12
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. I also talked to the bank and told them that your bureau continues to report this misleading information. The bank has agreed to remove the late payment in my account. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX and TRANSUNION XXXX 30 days late in XXXX XXXX 60 days late in XX/XX/XXXX, XXXX XXXX, 90 days late in XX/XX/XXXX, XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and 180 days late in XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a result from a dispute that you Experian stated that they finalized 2 weeks ago. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I am saddened to learn that you somehow verified this disputed item, stating to leave it on my report. I am absolutely certain that these items I disputed are incorrect and should be deleted, they have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX Send complete method of verification I am readily interested to learn how their investigator arrived at this erroneous conclusion. I demand to see a complete list of all and any documents along correspondence from each person contacted. I asked them to include all names, addresses, and contact information of employees that you spoke to as part of this investigation including the date and time with phone number given. They did not provide this information and noted these accounts as verified? This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unwarrantable, hurtful, and undeserving to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX, account # XXXX XXXX, account # XXXX Equifax, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 paid XXXX XXXX off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.

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 2023-10-19
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
This is getting ridiculous and its extremely annoying that you guys keeping the following items on my credit report. And You are violating my rights! by reporting these accounts on my report. 
XXXX XXXX XXXX  FOR {$3100.00} OPENED XX/XX/2023 '' All the other Credit reporting agencies have removed them, but you guys refuse to do so. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company response to consumer: Closed with non-monetary relief