BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding.

I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.

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 2018-05-12
Company: EQUIFAX, INC.
State: TX
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 received a letter XXXX XXXX XXXX XXXX showing my credit score.XXXX XXXX FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with Equifax/XXXX XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I closed on a cashout refinance on my personal residence. The wire transfer of {$290000.00} was wired into my account at Truist Bank on XX/XX/2023. On Friday XX/XX/XXXX I got a call from Truist that my bank account was frozen due to wire fraud. I talked with the branch leader, XXXX XXXX and she said the account was frozen due to fraud investigation regarding the funds from the cash out refinancing. She then said it was out of her hands and that if I had any documentation to bringit in. Monday XX/XX/XXXX I dropped off XXXX pages of closing docs and mortgage loan statement and also emailed the wire information from the title company. I also found out that Truist called the title company on XXXX  XX/XX/XXXX to get their documentation. However in the meantime my account is frozen, I haven't heard from anyone about the investigation and I am coming up on month end billd and mortgage with no funds to work with. I also have XXXX letters saying checks returned for NSF and also have creditors calling me for payment. 
I'm the innocent person in all this and I should have some sort of protection in all this. Why if they are investigating the wired funds are they penalizing me. This is not right!!!

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 2018-09-08
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: Investigation took more than 30 days

Complaint:
In XX/XX/2018, I had fallen behind on my loan payments. i finally was able to recover in XX/XX/2018 and become current on my loan. I have disputed with transition and XXXX XXXX XXXX multiple times as my credit score has not been updated since XX/XX/2018. I am current on my loan payments today, XX/XX/2018 however XXXX XXXX XXXX is reporting I am now 60-89 days late. I applied for a lease in XX/XX/2018 and was denied as the loan was reporting 60 days late. Thus, resulting in a major loss of income as this was a business lease. I have called several times asking for this issue to be resolved with XXXX XXXX brushing this off and telling me " They can not do anything and Ill have to wait until the system automatically updates. '' Well, it hasn't updated since XX/XX/2018 and we are now at XX/XX/2018. I have filed a complaint with Transunion who did not do a thorough investigation because had they, they would have found my loan current, and updated the information. 
I feel XXXX XXXX XXXX  is maliciously reporting erroneous information to discriminate against me as my loan had been past due in the past. I did tell them when pleading to update my loan status that I was unable to get a loan with the incorrect information on my credit report.

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 2020-11-24
Company: Aargon Agency, Inc.
State: NV
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 disputed the alleged debt with the alleged creditor and its collection agency, Aargon. The account was reported to XXXX, but it was never indicated as DISPUTED. 

I later authorized a payment through my credit card, in writing, via email, though I continue to believe the amount is not owed. 

The collection agency is not charging my credit card and continues to keep the account open. In my opinion, out of spitefulness and retaliation because I reported the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: AES/PHEAA
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 is the worst company I have ever worked with. They ended my forebarence at the beginning of the year because they said I graduated or dropped out of school. I contacted letting them know neither of those were true and that I am still a full time student at my college. I have now contacted the twice with ZERO answer and they have taken money out of my bank account twice, overdrawing both times. They dont care about anyone. They ruin lives and I dont know what else to do. I cant keep paying XXXX a month to a company that wont listen to a word I say. Attached is a picture of my current school schedule proving Im a full time student.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$830.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom it May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This Is about the letter sent Via Mail shared XX/XX/2022 requesting your Company for validation of the below-mentioned account with XXXX XXXX XXXX XXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction.

Further, the creditor reported this on my Consumer Report as " Charged off* It means that the creditor will no longer attempt to collect this alleged debt owed by them. 

Therefore, pursuant to my rights I approached the creditor and asked the following questions ; Have they sold this alleged debt? 
To whom is this debt sold? 
Are they still in the process of collecting this debt? 


I am enclosing here with the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record. 
Yes, they have sold the debt. 
The same is sold to your Company named Since they have charged it.off they are no longer in the process of collecting this debt Through the response received from the creditor, I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the " Creditor '' was attempting to collect the debt but in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX USD ). 

I am attaching herewith the invoice and if you fail to pay the same, I Will escalate this matter to Federal Court. 

I DEMAND COMPENSATION OF XXXX FOR THE DAMAGES THAT HAVE BEEN DONE TO MENTALLY AND FINANCIALLY Thank you for your cooperation Antonio-Nikolas : 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 2023-08-24
Company: Maximus Education, LLC dba Aidvantage
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( moO 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo open accounts are apply me for loans or credit cards without my knowledge or without giving me the correct information disclosures they would do it because they needed more solution to need it better things and I called my accounts to get severely overdrawn in my accounts to close any calls my credit to severely decline

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 2023-02-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Refuses to remove inaccurate XXXX information. XXXX has removed it, so should this reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair Credit Reporting act XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXX Acconunt XXXX XXXXXXXX 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 2022-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently read what happened with XXXX. I don't expect to get anything from them as they stole our house back in XXXX. I assume the statute of limitations was up a long time ago and it never occurred to me that anything could/would ever be done to them. I do want you to know that they were pulling that kind of nefarious stuff back then as well. 

In XXXX, we had a house in XXXX XXXX, CA and our VA mortgage was through Wells Fargo. After my husband was laid off from his job, we tried to get a loan modification until we could get things straightened out. They told us that in order to help, we needed to stop making payments and that they'd then be able to help ... and that they'd tbe able to give us credit and lower our payments and we wouldn't owe back payments. So we spent the little money we did have feeding the kids and paying for gas for my husband to get to interviews. 

They strung us along for months. My husband had just started a job overseas where he would be making enough to easily pay the mortgage, and I was in constant contact with XXXX by phone. I arrived home from picking up my son from school one day only to find a foreclosure notice on the front door. I called AGAIN and they said they were " sorry '' but that there was nothing I could do except maybe a short sale if I wanted to possibly save some of our equity. However, because of all their lies, working full time and caring for XXXX kids under XXXX full time while my husband was overseas, I couldn't do a short sale in time while simultaneously packing an entire house and moving to another house. It ended up being sold in a foreclosure at about XXXX of what we owed. Had they waited another month, we could have paid back all that was owed and they knew it since we'd been talking multiple times a week. 

We did *everything* they'd asked of us at the time. Instead of helping us, they STOLE our house and made out like bandits. Additionally, we had to file bankruptcy as a result, which ended up in a cascade of awfulness, such as another bank canceling my checking, savings and my kids ' savings while I was XXXX shopping. XXXX did their best to ruin our lives.

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 2019-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bank of America refused to disclose if : they are suing me for an alleged debt if they are, the name of the attorney representing them refused to verify the status of the alleged debt, if it's been charged off and sold, or the actual owner of the alleged debt if it has been, with corresponding dates of transfer of ownership contact information of Bank of America employee/employees that is/are the account manager/managers of alleged debt that is/are responsible for the oversight and review of such account as to ensure accuracy of any and all payments, disputes, and alleged charges

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 2018-05-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The original loan was taken out by XXXX and then sold to Wells fargo. The loan was for {$20000.00}, with a co signer on it in XX/XX/2007. The co signer has since filed bankruptcy and passed away and Wells Fargo hasnt been willing to help lower payments. Every time i have called in the past year they state i am not eligible for any payment plans or programs they offer, no one ever tells me what the plans even are. The current Loan balance is {$26000.00}. A total of {$13000.00} has been paid towards this loan yet the balance is higher than the original disbursement amount. Wells fargo has been unwilling to help resolve this debt and i have called the creditor numerous times during hardship and they have refused to help with anything.

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 2023-08-24
Company: EQUIFAX, INC.
State: LA
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 asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. These accounts are harming my financial life. 

Account name : XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number : XXXX has violated my rights. 

Account name : XXXX  Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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. 

Im very familiar with the consumer laws and according to the 13:30 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) rules of construction-Exclusions 28:30 15 U.S.C 6801- Protection of non-public personal information 31:00 15 U.S.C 6802- Obligations with respect to disclosures of personal information 43:00 15 U.S.C 1692, states that I have rights as a consumer.

Company response to consumer: Closed with non-monetary relief