BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have been fighting this situation with bank of america for over 9 months back in XXXX I had filled a claim on transactions I did not make realizing all my XXXX funds had been removed from my account I had requested a card to be sent to my home we're I live in a apartment complex were there is over XXXX apartments low income alot of theft has happened in this apartment complex I have made XXXX police reports due to my mail box being broke into people taking my mail the XXXX XXXX has to put a new lock on my box everytime this happeneds I reported all of my transactions and in XXXX I was only paid out half of my claim XXXX I spoke to a supervisor regarding my situation and was advised to send my documents over to bank of america I then faxed over everything the requested and now have had to do it 5 times and have done so they sent me a picture of a person at the ATM who has XXXX hair witch is clearly not me of they matched my id to the ATM they would have paid me out on all XXXX of my claims a supervisor found the other XXXX claims I was not even aware of and advised me to file claims on these a totle of XXXX claims now been calling everyday trying to get them paid out witch has put me in a very hardship leaving me and my kids XXXX XXXX XXXX XXXX  we lost are home due to these complacations very frustrating I have had to reopen my claims escalte them emails to the back office provided every document possible and still to this day I have not gotten anywhere I contacted XXXX XXXX state cenitors representative and explained my situation to her also and she agreed bank of America edd prepaid card was incorrect about there disition please help I can't get any answers been trying for over 9 months thank you ... 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 monetary relief
Consumer complaint received 2022-11-20
Company: TekCollect Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt was at the address not associated to my name or date of birth.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-11-26
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is after several complaints and being provide the same documentation is requesting in writing proof of current legal address and legal name. This is my final attempt at correcting obvious errors on my Equifax Credit Report. Please See Attached Prior Complaints. 

The is no " Formally Known As '' or Name Change.This the incorrect spelling of my legal name and needs to be remove immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a collections bill/letter from DBA Paragon Revenue Group claiming that I owed a debt for a medical bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor was/is my current health care providers office. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts. She confirmed that she does not have any record of a charge that may have been sent to collections. With this information I sent out a debt validation request certified ( attached documents ) and never heard back. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX  deleted the account after conducting its investigation. XXXX  and XXXX  stated the account had been verified. I requested a method of verification used by XXXX and XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service XXXX  that accurately pulls all credit reports and compare the information. The comparisons were inconsistent being the collection agency is reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it does not exist as mentioned by the original creditor. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I need help as I believe this collector is taking advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Keybank Will not process request of mine to return money from unauthorized transactions And money from closed account Keybank XXXX XXXX XXXX XXXX ohio XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
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: Account information incorrect

Complaint:
PAID IN FULL 20 SEPARATE STUDENTS LOANS TOTALLING {$85000.00} ON XX/XX/2023, DISPUTED ON ALL THREE CREDIT PLATFORMS EXPERIAN, XXXX AND XXXX ON XX/XX/2023, CREDIT SCORE HAS REMAINED THE SAME XXXX TO XXXX AFTER PAYING OFF {$85000.00} OF {$96000.00} TOTAL ON ALL THREE CREDIT REPORTS. PLEASE INCREASE MY CREDIT SCORE TO SHOW {$85000.00} DEBT PAID IN FULL.

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 2020-10-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached dispute letters for all 3 credit reports. The inquiries on credit report are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The intent of this complaint is to force the apathetic Specialized Loan Services ( SLS ) to do the right thing and correct the errors they acknowledged making. 

Our relationship with SLS began XX/XX/XXXX when we refinanced our home. As is typical refinance protocol, we provided all required documents -- including proof of dwelling and homeowners insurance -- to finalize the agreement. Since XX/XX/XXXX, we have received daily harassing calls from Specialized Loan Services ' ( SLS ) Collection Department due to an unwarranted impound account created because of internal clerical errors surrounding alleged lack of dwelling and homeowners insurance. As a result of the impound account, our monthly mortgage was increased to cover the cost of said insurance. Because we had recently provided proof of insurance at the close of refinance and because we knew this was an error, we continued to pay our mortgage as agreed sans the increased impound amount. 

As proven through various communications starting from the first notice and including most recently, through the XXXX XXXX XXXX, we have always maintained insurance. That said, in a letter dated XX/XX/XXXX ( attached ) SLS finally acknowledged their error stating their intent to immediately correct the errors and reverse the negative marks to credit reporting agencies. Thirty days later, I still receive harassing calls and our credit has not been fixed. As recently as Friday, XX/XX/XXXX, SLS confirmed they would look into the lack of progress and then on Monday, XX/XX/XXXX, they confirmed they could not find the letters and another investigation would be opened. 

Please know, SLS ' disinterested response and lack of action has caused much distress and become a huge financial burden to my family because of high interest rates and loan denials over the past two years. We have always worked diligently to pay our debt as agreed to however much of the payments go to pay interest as opposed to principal. 
We can not continue this vicious circle of high interest rate. 

Our goal with the letter is to once and for all force SLS to fix the errors internally and with the Credit Reporting Agencies.

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 2023-11-06
Company: Credit Karma, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX, XX/XX/2023... I received. text notification that an unauthorized person is using my personal data to open a Credit Karma account tonight!!! I Do NOT use Credit Karma!!!

I've made several attempts to contact Credit Karma just as they have specified on their website and information page to file a complaint. Well their email is incorrect, it bounces back to my email as undeliverable and does not take any inquiries or complaints to file. The email that I sent bounced back as not delivered and there isn't any other customer service number to call nor contact and no one to talk to speak with for me to shut this account down!!! Attach are my screenshots from their site of their unsafe business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: MI
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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 reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO
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:
Toyota Motor Credit is in violation of the Fair Credit Reporting Act. 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report '' does not include any report containing information solely as to payment history or utilization between the individual and the company making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/ - Deposited {$30000.00} into my Wells Fargo savings acct. Item was drawn on XXXX XXXX. 
Receipt said {$5000.00} would clear overnight, the rest by XXXX. 
When the money didn't clear overnight, I phoned the bank and they said " Refer to maker. '' So I called the branch manager at XXXX XXXX, who was speechless that Wells Fargo would question the validity of one of their checks. 
XX/XX/ - no funds clear, was now told the money would be available on XXXX. Wells Fargo refused to call the branch mgr at XXXX XXXX 
XX/XX/ - was told that the funds might not be available on XXXX, with no indication of when the funds would be available. Person on the phone took down the information regarding the branch mgr at XXXX XXXX. 
I got a text from my brother who also uses Wells Fargo and recd a check for the same amt from XXXX XXXX, at the exact same time ; he said he had no problem retrieving the funds.

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 2023-05-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent letters and spoke over the phone with all three major credit bureaus, Equifax, XXXX, and XXXX XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX  XXXX that XXXX with XXXX, XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX Account number XXXX, XXXX XXXX XXXX  XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  XXXX Account number XXXX However, all three credit reporting agencies responses were all the same, the company verified the disputed accounts and the results are complete and accurate and will remain on my credit report.

How can this be possible if the accounts are closed if the open dates are over 7 years old and the open dates are all inconsistently across all three credit reporting bureaus, the last day of activity is incorrect and so much
more is incorrect? According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 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.

Also, they arent even in compliance with Metro 2 credit reporting. I have gathered evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Tried to begin the repayment process, company only accessible through website. Website only offers an option of payment by accessing checking account through account number and routing number. Tried to call, no one will answer. Tried to communicate through email, no answer. Being given the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 do not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-04-06
Company: EQUIFAX, INC.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act, this creditor, " CAINE & WEINER '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-02
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: Investigation took more than 30 days

Complaint:
This company is notoriously not responding to consumers complaints. They're not doing their jobs. They refuse to fufill their obligations. This ccompany is ignoring consumers and something needs to 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 explanation
Consumer complaint received 2023-11-07
Company: Lockhart, Morris & Montgomery Inc.
State: CA
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:
XXXX XXXX and Lockhart Morris & Mont I am writing to formally dispute information on my credit report that does not belong to me and is negatively impacting my creditworthiness. The inaccurate information in question is associated with my credit report, and I kindly request its immediate removal to rectify this erroneous situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
XXXXXXXX XXXX sent my account to XXXX XXXX XXXX. still reporting to ChexSystems and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to ChexSystems. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.

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