BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: Experian Information Solutions 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 XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To Whom IT May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatante and objectionable disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : I. ) Record type : XXXX XXXX XXXX XXXXXXXX - Reference number : XXXX XXXX. ) Account name : XXXX XXXX XXXX - Account number : XXXX XXXX. ) Account Type : Collection - Account number : XXXX If you do not immediately remove this fraudulent and incomplete information, I will file am additional complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 dayz to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX has not updated my name change sent four years ago. I was told they had the change on file and it was never processed about 6 months ago. I received a letter stating it would take 60 - 90 days for the name change to kick in. It has been 6 months and it is STILL the WRONG name! TransUnion and XXXX were ALSO sent documents and they have not processed a single thing. I have been dealing with this for XXXX years now, can anyone just do their job?

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 2019-04-04
Company: CITIBANK, N.A.
State: IA
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:
XX/XX/19 Never authorized an inquiry for credit with this company.

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute with Bank of America edd prepaid card services XX/XX/2023 for the amount of {$5200.00} for transactions posted on my account claim number XXXX I wasnt provided any provisional credit at any time and has been denied on more than XXXX separate disputes Ive repeatedly asked for documentation stating the reason why it was denied and till today XXXX XXXX I have yet to be able to receive any documentation where it would give me a reason why or how this decision was determined and was dealt with. As of my part I have provided them with a police report statements to my Bank of America account ending in XXXX and social security number ending in XXXX and written statements explaining and asking to match my information with the information of the account that the transactions were sent to and for some reason it has not benefited me in any way. Ive only received a letter from BofA where a resolution XXXX with the name of XXXX XXXX with phone number ( XXXX ) XXXX ext. XXXX is stating that they would be looking into my dispute and attempt to help. I have called and left XXXX messages and yet have I received a response back from any one of BofA I dont see why would they give me a number that has possibility to ever get through or even have the expectation of receiving a return call back. What I also would like to respond that why would my previous case with CFPB was closed by this specialist case number XXXX if I the consumer has not agreed with that decision and has not been credited my dispute I am demanding my return Ive stated XXXX never authorized that transaction and have provided documentation to show that I have no links to this transaction and if so to please show me in documents stating otherwise.

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 2021-10-08
Company: WELLS FARGO & COMPANY
State: PA
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:
Deposited a regular paycheck, that has NEVER bounced, on XX/XX/XXXX and Wells Fargo put a hold on funds until XX/XX/2021. Since then, they have rejected regular payments twice and charged a {$35.00} fee each time. I have called in twice to request funds be released and they say that criteria has not been met. They did say I would be reimbursed for all the {$35.00} fees charged from XX/XX/XXXX - XXXX ... in the meantime, my creditors have dinged my payment history.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: AR
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:
I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -JPMCB # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX I made an uninformed credit decision with XXXX XXXX XXXX bank XXXX regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have loan with XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX XXXX late payments on my credit report for the month of XXXX, XX/XX/XXXX. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX. Id like this matter resolved ASAP as it is impacting my XXXX XXXX XXXX. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00}

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 2021-10-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX Inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX - Card Service inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Im trying to buy a house for my family and in the process of me buying a house when I pulled my report. I seen all these ridiculous false accounts on my report so, I sent certified letters to all 3 credit bureaus addressing the the accounts Im questioning. They are not accurate and thats not fair they putting this on my credit report and its hurting me. Im attaching all the letters I sent out and the return receipts and proof of my identity. i wrote these letters on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
XXXX  I submitted a new application to change my repayment plan to the SAVE plan. 
XXXX  Aidvantage said my application was received and there was nothing I had to do because I have consent for them to access my information from the IRS. 

XX/XX/XXXX I receive an email and document for a change in loan terms however it was the original plan I was on with no explanation on my SAVE repayment application. 

I applied for SAVE again XXXX XXXXhey confirmed application was received XXXX XXXX they send another change in loan terms email that AGAIN is the original repayment plan I was on, not the SAVE plan. 
I have called multiple times with crazy hold times and sent an email on XX/XX/XXXX with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I, the consumer, purchased a XXXX XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I made a down payment of {$2800.00}. I paid {$400.00} for insurance before I could leave the car lot. I have been making payments in the amount of {$290.00} for the past XXXX  months ( I have not missed a payment ). After learning of my consumer rights, I was not provided with the type of notice of my rights to recission under the Truth in Lending Act ( TILA ), 15 USC 1601et.Seq this is required by Federal Law. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant to 12 CFR 1026.3 named Truth in Lending. Per the congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer ( me ) will be able to compare more readily the various credit terms available to me and avoid the uniformed use of credit during the consummation of the contract. '' Furthermore, according to the Truth in Lending Act 15 USC 1605, my down payment and insurance should have been included in my finance charge, which is all I needed to complete the contract. There should NOT have been any cash exchange after the use of my social security number ( which is by law my credit card ), that constitutes as unauthorized use of a credit card once I entered into a consumer credit transaction. XXXX XXXX XXXX XXXX did not disclose my right to rescind. This being the case, pursuant to 15 USC 1635, I have the right to rescind my initial consent to pursue the terms of my contracts. I conclude this complaint with a demand for XXXX XXXX XXXX XXXX to return my initial down payment of {$2800.00} and all monthly cash payments totaling about {$11000.00} I have made since they have failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to them. 15 USC 1635 ( b ) ( F ). I demand that XXXX XXXX XXXX XXXX return my down payment and other cash payments made within 20 days of this notice by law.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics.

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

Sincerely, 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 2021-10-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reach out to XXXX, Equifax, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have banked with Wells Fargo for several years. Today XX/XX/2021 at XXXX est I called. I am tired of them taking money from me when they are not authorised. I spoke with a banker who said she was unable to reverse my overdraft fees and that the Wellsfargo employees were able to view a different statement other than the one I am able to. I expressed my concerns. I felt it was manipulative that they are able to charge fees for things I am not able to view and continued to justify that I need to pay attention to pending charges they can see but I can not. My account was not in the negative however I was charged a {$35.00} over draft fee that in fact made my account negative. So although I placed funds into my account for other charges not to be negative I was then accessed another overdraft fee. She transferred me to her supervisor named XXXX. He initially stated he was only able to reverse 1/2 overdraft fees that were incorrectly accessed. I had funds to cover my transactions. Unfortunately my account was negative due to an error on their accord. They refused to accept responsibility. My account is currently still over drawn. When I sat on the phone for an hour and XXXX stated that both charges would be reversed and they were not. I am completely over Wellsfargo at this point. They are thieves. They justify fees based off of account details their customers do not have access to. They will over draft you then overdraft you then overdraft you. I am closing my account next week.

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 2021-10-08
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: Account status incorrect

Complaint:
This item was included in my Chapter XXXX Bankruptcy that was discharged. I gave the accurate information to the company, XXXX XXXX I, XXXX, called them and told them, called and sent the information to Experian, and the account still is on my account as a " Collection Account. '' The debt buyer is claiming an OPEN BALANCE of {$5000.00} from the original debt they bought. However, the balance was DISCHARGED in my Chapter XXXX Bankruptcy and I DO NOT OWE that debt. XXXX XXXX I, XXXX is reporting the balance as an open Collection Account that I owe to them in the amount of {$5000.00} from the original debt that was discharged. I told them this and to verify it has been discharged and sent them proof and they still report it. 

The XXXX cards and accounts I had have ALL been discharged through my Bankruptcy, and as a result should NOT be showing as a collection account. 

A debt buyer bought a XXXX account that was discharged in XXXX, but they are claiming the account as unpaid and open as a Collection Account AFTER my XXXX discharge. This is incorrect and needs to be REMOVED. 

ALL of my debt was DISCHARGED in the XXXX, including this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief