BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 2022

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 2023-01-31
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MS
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:
Loans are not the same on all 3 credit reports so something is inaccurate and I would like it removed

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 2022-04-18
Company: EQUIFAX, INC.
State: MS
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:
Loans are not the same on all 3 credit reports so something is inaccurate and I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX has been forcing me to make double payments on my mortgage. If I dont make the double payments they ding my credit report. I have spent months working with their executive team members and through Experian without resolution. 

Mortgage initiated XXXX XXXX  Monthly payment due {$2400.00} Total owed from XXXX - XXXX is {$14000.00} Payments that have been made : XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} TOTAL PAID : {$34000.00} On XX/XX/XXXX the issue was supposed to be resolved and they credited me {$10000.00}. 

However, this issue was not resolved. 

XXXX is stating they refunded me three of the XX/XX/XXXX payments. Those refunds have never been received. 

I have been fined twice for late payments for XXXX and XXXX and have a 60 day late payment ding on my credit report for XXXX. 

Lastly, my mortgage principal is not going down even with the extra payments. 

What needs to happen to resolve the situation is : 1. They need to discover what is going on in their system to prevent this from reoccurring.

2. I need the negative ding on my credit report for XXXX removed. 
3. I need to be refunded the two {$81.00} late fees 4. I need a refund of {$9200.00} {$34000.00} ( total paid ) - {$10000.00} ( XX/XX/XXXX credit received ) - XXXX ( XXXX payments due ) = {$9200.00} 5. My mortgage principal needs to be adjusted accordingly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Personal information incorrect

Complaint:
I am writing to express my extreme frustration and anger with the inaccurate information on my credit report, specifically regarding the address and accounts that are being reported. Despite numerous requests to have the address XXXX XXXX XXXX XXXX GA, XXXX removed from my credit report, it is still being reported as my address. I have never lived at this address, nor have I ever had an ID associated with it. My actual address is XXXX XXXX XXXX XXXX GA, XXXX, which I have repeatedly provided to you. 

Your failure to remove this inaccurate information from my credit report is a clear violation of my consumer rights and shows that your records are unreliable and flawed. This is unacceptable and has caused significant harm to my creditworthiness and reputation. 

Furthermore, I demand that the XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX be removed from my credit report immediately. These accounts have absolutely no business being on my report and are further proof of the inaccuracies and deficiencies in your reporting practices. 

I demand that you take immediate action to remove all inaccurate and unauthorized information from my credit report and take steps to ensure that this does not happen again in the future. Failure to do so will result in legal action against Experian for violating my rights under the Fair Credit Reporting Act and for the damages that I have suffered as a result of your negligence.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A fraudulent late pay was just reported to my Transunion credit report by " XXXX XXXX ''. This is a fraud account and does not belong to me. Please delete immediately.

Also two unauthorized inquiries were reported to my file XXXX. ) XXXX XXXX XXXX XXXX XX/XX/2022. XXXX. ) XXXX Bank on XX/XX/2022. Please remove/delete the aforementioned inquiries from my Transunion 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 2023-02-06
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 I received a bank statement in the mail that I had no acknowledge that were opened. I contacted Suncoast Credit Union XX/XX/2023 about the bank statement I received. I spoke with a gentleman that made me feel like it's my fault that someone had opened an account in my name. When I tried to explain the situation his answer to me that I had to give someone my information in order for an account to be opened in my name. I were promised that day I would be receiving a packet in the mail to get this resolved. I want to make a police report in my county about this situation. On XX/XX/XXXX I received an call from the detective asking me if I still wanted to make that report and had I received the information from the bank. Immediately after that call I called the bank again wanted to know why I havent gotten the packet in the mail. I explained I'm in XXXX, FL there is not a bank in this area and were told that someone opened this account online. Like I told her I know that they can track that computer IP address in where this account were open to know that this account were opened fraudulently. I were told I had to send this packet back. I asked for an supervisor to call me because at this point I've been trying to get this bank to send me this packet. I just received another letter in the mail dated XX/XX/XXXX that my account were overdrawn for more than 60 days and I need to make payment. This bank have known that this account was fraudulent since XX/XX/XXXX and still trying to make this mine when they have already been advised that the account is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I reported my card canceled one day and was waiting for another one in the mail. Well I never carry cash on me and I got a ride home one day. Wanted to give her some gas money but had explained that my netspend card had been stolen so I fell asleep in the car with my tool bag and my wallet and my meds were stolen. Unfortunately I keep my login info in my wallet she must have called and had the money transfer to her acct. So my friend called me later and as asked me where his girl got all this money at. So I looked at my app and it was all gone.

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 2022-12-29
Company: Experian Information Solutions 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:
I submitted a letter to Experian on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX XXXX {$200.00}

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 explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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:
XXXX, Equifax, and XXXX have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of 2000 ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to Equifax, XXXX, and XXXX in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( 3 ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to XXXX, Equifax, and XXXX. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, Equifax, XXXX, and XXXX have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

Equifax, XXXX, and XXXX continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

Equifax, XXXX, and XXXX have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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:
This is my second time submitting a claim to the cfpb and multiple letters directly to Experian. In the last complain all they did is explain how my credit report is pulled and this is what I keep having an issue with them. All they do is explain how things work and don't really give me any proof that these inquiries are mine. I have requested an investigation multiple times and they just are avoiding the subject all together. If these inquiries are mine it shouldn't be difficult to obtain a document with my signature on it. I want these inquiries to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX, I moved locations and with it utilities services. 

It is my understanding that two issues occurred, which have resulted in a debt being sent to a collector, Berlin-Wheeler. 

First, the return of rented equipment ( a modem/router unit ) was not properly recorded by XXXX XXXX XXXX The equipment was returned to the XXXX XXXX location on XXXX XXXX XXXX XXXX XXXX, LA XXXX ), in XXXX of XXXX. XXXX XXXX states they do not have record of the equipment return, and therefore charged an amount of {$120.00}. I was not notified of this charge or the following debt. 

Second, to transition service to the new address, the service provider ( XXXX XXXX ) created a new account rather than transferring service on an old account. The old account was not closed by XXXX, balances were not transferred to my new account, and I was not notified the old account was still active and carried a balance of {$20.00}. 

These two issues combined, resulted in an unpaid balance of {$140.00} owed to XXXX. Eventually, the debt was sent to/bought by the collector ( Berlin-Wheeler ) XXXX XXXX of XXXX. Both Berlin-Wheeler and XXXX state that mailed notices of the balance, and later collection, have been sent, but I have never received a notice. 

I discovered a balance was owed to XXXX, and had been sent to/bought by a collections agency, from review of a XXXX and XXXX credit reports. 

Through XX/XX/XXXX and XX/XX/XXXX, I have tried to resolve with Berlin-Wheeler and XXXX XXXX XXXX Berlin-Wheeler, the collector, states that they do not have the authority to resolve. XXXX XXXX states that amount owed is valid, but can not provided evidence that equipment was NOT returned and deny they mishandled transitioning services to my new address.

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 2017-07-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was approved for approved for either an Income based payment plan or a forbearance in  XX/XX/XXXX  on  XX/XX/XXXX I received an e-mail from Navient stating that I owed {$0.00} for the month and this amount would be the same until XX/XX/XXXX  Three days later on the  XX/XX/XXXX  I received an e-mail from Navient that states I owe   XXXX   this e-mail contradicted the e-mail sent three days earlier

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a previous complaint on Ameris Bank on XX/XX/XXXX. CFPB XXXX number XXXX. 

The response I got on XX/XX/XXXX is unsatisfactory and has incorrect information contained in it. XXXX considers the case closed so I'm opening a new one. 

The issue is the grant payments from XXXX are not being correctly applied to my account. Ameris Bank claims that the amount of {$1100.00} was applied to my account on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. That's a total of 7 payments. 

That is incorrect, the payments received on XX/XX/XXXX, XX/XX/XXXX was sent in my electronic transfer from my credit union and not XXXX. I bank statements to show the withdrawals. So I made 3 of the payments myself.

When I checked with HAF they confirmed that as of XX/XX/XXXX they have sent in 4 payments on my behalf. The dates would be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as near as I can tell. 

I do not believe Ameris bank has applied payments from my personal account or HAF correctly. Ameris Bank states that all 7 payments are from XXXX when indeed 3 of them are from me and the other 4 from XXXX. 

Furthermore, XXXX sent a payment in early XXXX for {$15000.00} to pay off my deferred balance of {$13000.00}. Ameris Bank stated in the XX/XX/XXXX letter they are investigating this with HAF, now we're in XXXX and no response yet. 

Additionally the HAF payments of {$1100.00} for XXXX and XX/XX/XXXX are not credited to my account as of this writing. When I call Ameris Bank they say they have not received them and when I call XXXX they tell me they have been sent on XX/XX/XXXX and XX/XX/XXXX. 

I'm sure there's an answer to this situation, I can not do anything more. I have also requested help from an email given to me XXXX which has not gotten a response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Made a payment to WellsFargo credit card using a XXXX XXXX  checking account on Monday XXXX XXXXXXXX 
As of Thursday XXXX credit card is not showing the availability of the funds and was told today by calling the customer service on dated XXXX XXXXXXXX, that funds are on hold and will be released on Friday XXXXXXXX, due to making sure funds clear from the other bank. 
It is not a fair practice to hold the money for that long, there should have been any alert or notification regarding the hold while making the payment or even after the payment. So I could have managed my financial obligations accordingly. 
There was no communication even after the payment but email was stating The following payment will be effective as of XXXXXXXX  but stating anything regarding hold on funds, which is misleading and unfair practice, it causes me not to able to make the payments using this credit card, the payments I planned and promised to made in next couple of days.

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