BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-02-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First they removed my current payment method and added a checking account that was closed in XXXX, that we never added to our auto loan account that we got in XXXX. We went through a month of not being able to make payments to find out what happened. they said the payment method from the closed bank account was added by my husband in XXXX, we never added that method to our auto loan, yet they still did. Our account was locked and we had to contact the fraud department to have it unlocked and they made us create a new user name and password ( do not understand why we needed a new username? ) and now we try to login to make a payment this month and we are getting an error saying we need to re-enroll to online banking again! Why do we need to sign up for so many different accounts for XXXX auto loan? Also the customer service asks for you full social security number for verification which is very unsafe, I though they could only ask for your last XXXX digits? 

Online access is currently unavailable To access your accounts online please try again later or re-enroll for online access : Online Banking customers, please visit XXXXXXXX and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit XXXX and select Sign Up, or call 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 2023-02-10
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 have recently been trying to improve my credit score so I can get approved for a mortgage. I checked XXXX XXXX this morning and noticed Equifax had deleted the information from my car loan XXXX XXXX Acct number XXXX XXXX overnight. I contacted Equifax and they told me to contact my lender. However, my lender said they have never heard of this issue before and they are reporting this to all 3 credit bureaus every month you will see attached documents which show how it was on my Equifax report prior to them removing it and a statement which states they report to all 3 credit bureaus and this was on my credit report prior to XX/XX/2022. XXXX XXXX has reported payment made in XXXX and Equifax is still updating their credit report. This error has made my credit score drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Reporting in accurate information damage in my good credit and name

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 2019-07-16
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding a collection initiated by Trident Asset Management showing the initial creditor as XXXX. It appears that the date opened was XX/XX/XXXX in the amount of {$1400.00} This is not my debt and the account is in another persons name. I have requested verification of this debt from Trident Asset Management and they have refused to provide requested verification. They continue to send simply a bill stating that I owe the amount of {$1400.00} but refuse to verify the debt or provide ANY information concerning the details of alleged monies owed. I have contacted the company numerous times as recently as XX/XX/XXXX requesting verification of said debt only to be either refused requested information or being hung up on!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX XXXX I sent Experian an letter requesting how Experian investigated a fraudulent account that was reinserted back on my credit report and it had been over 30 days no comply and that Experian did not due an proper investigation before they reinsert an fraudulent account as identified in 15 USC 1681a section 603E and is in violation of that law, I tried several times but Experian wants to due what they wan na due, but not to me. I going to make sure Experian as well as XXXX mainly Experian. Because Experian did not due a proper investigation, if they have I wouldn't be filing another complaint. And this time I have proof and I'm not letting up every information that's not accurate on my Experian Credit Report I'm seeking Damages as proscribed by 15 USC 1681n and 15 USC 1681o. so I don't give a XXXX about Experian I know one thing Experian as well as the other reporting agencies gon na abide by the FCRA LAWS. Or keep getting fined.

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 2022-12-27
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: Account status incorrect

Complaint:
I recently received a copy of my ( XXXX, XXXX and Equifax ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

Equifax Information Services LLC 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 2023-06-16
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}, XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2022 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.

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 2018-09-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX XXXX in XX/XX/XXXX and graduated in XXXX. I was XXXX when I started and just walked the stage and they took advantage of that. They promised multiple things that turned out to be untrue. They told me any school in the country would take my credits once I was done with graduation. Which I later found out was a untrue They promised that they would place me in a job close to graduation. Another untrue deception. They pressured and mislead me into enrolling and taking out loans that I had no idea what or how they worked. I did not even know I had private loans until I had to pay it back. They lied about what I was guaranteed to make once I graduate. I was shown a chart that said 91 % of the people in my field made a average of XXXX XXXX dollars within the first 2 years post graduation. My degree is useless. I got my job without needing my degree from XXXX. Most employers dont even consider it a real degree. Someone in HR at a job fair once told me I shouldnt even put them on my resume. They have violated several laws and worked with lenders to create even scandals. Navient/sallie mae also has completed wrongful acts on my loans as well. Both my private and federal. They missallocated payments several times. There are unexplained payment reversals. I try to call and auto phone system never gets me to a live person. Almost all my private loans that I paid on show that the payments made went straight to interest and XXXX to principle. XXXX XXXX have violated laws and mislead me. This is illegal and unfair. I was constantly told I had to put my federal loans in forbearance when I found out I had other options. You get different answers every time you call and are transferred 12 times. Their website makes everything not make any sense and is very hard to understand when you have several loans. I would like all loans discharged and refunded every payment I every made to them due to violating of the law and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
bank of America Prepaid credit card. this account is 7 years old and was paid in full. please remove from credit profile. the information is incorrect original balance of card was {$200.00} and paid upfront. please provide original contract to verify information. if you do not have the original contract please remove from credit history has this account has already been settled. or i will sue for damages that this causing me financially.

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 2023-05-20
Company: JPMORGAN CHASE & CO.
State: TX
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:
Name and social are different. I cant access any account. May have been victim of data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXXXXXX  & XXXX stress  which is impacting my ability to XXXX causing problems XXXX XXXX XXXX  & creating unwanted XXXX  in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2017-06-15
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, my name is XXXX XXXX. My wife XXXX and I own/operate a Michigan based XXXX business names XXXX XXXX. We have been in business for almost 15 years serving our local customers and community. Like many business owners, we receive money from our clients via PayPal. We have been a loyal user for a long time and made thousands of dollars for paypal in credit card transaction fees. On XX/XX/XXXX, my paypal account was emptied out and {$2900.00} was stolen from our business. I realized what happened and contacted paypal on XX/XX/XXXX. They told me that after reviewing everything, they determined that no unauthorized transactions took place. I then appealed it. They denied the appeal. On XX/XX/XXXX, I talked to a PayPal rep and they are claiming that someone called in and added a new bank account in XX/XX/XXXX. When they did that, they are required to verify identity over the phone. They claim that all identity verification was approved and therefore, they are saying that no fraud happened. I asked them what was done to verify my identity and was told they would not tell me that and that had to be subpeonaed by an attorney. I called XXXX XXXX XXXX on X/XX/17 and they verified that I do not have any accounts with them.
For at least the last 7 years, I 've always kept a rolling balance in my paypal account of at least {$2000.00} to make sure that any charges going out would be covered. There is ALWAYS at least {$2000.00} in the account. Then all of a sudden, a new bank is added, all the money is cleared out so the account is XXXX out, and PayPal does n't see anything abnormal with that. According to federal protections act 15 US COD 1693g which is the electronic funds transfer act, it 's on them to prove that I made this authorization and transaction and there is no way they have proof since I was not involved in this at all. <P/>I understand that as a company, they did their due diligence to make sure things were on the up-and-up ( or so they claim ) and with a company that size, things will slip through the cracks. Unfortunately, I 'm the one that slipped through the cracks and they are unwilling to help resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: EdFinancial Services
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was previously on the Revised Pay as You Earn Plan ( " RPAYE '' ) with my prior loan servicer, XXXX. This was set at a monthly payment amount of {$240.00}. 

Biden 's administration announced that with repayments starting, individuals had the option to go on the new Saving a Valuable Education ( " SAVE '' ) plan, which would immediately reduce you monthly payments by nearly half. Those who were already enrolled in RPAYE needed to take no action, as they would automatically be enrolled in SAVE with their payments amounts updated automatically. 

I've attached proof that I was previously on the RPAYE plan with XXXX with the payment amount set at {$240.00}. 

Now that EdFinancial handles my loan, they've sent me statements indicating my payment amount has not changed ( still at {$240.00} ) and also, that I am on an IDR plan. Their website indicates that I'm on the SAVE plan with a {$0.00} payment amount. ( Attached )

Company response to consumer: Untimely response
Consumer complaint received 2023-10-02
Company: EdFinancial Services
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Edfinancial consistently reports my loan balance being {$20000.00} higher to the credit bueau than what is reflected on its website. My balance has been $ XXXX since the end of XX/XX/2022, however, for the last several months they continue to report my balance as $ XXXX + $ XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-02
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:
In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2023-06-16
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:
Equifax sent a notification that inquiry was made on my credit report. XX/XX/2023. I immediately called the next day unable to speak to someone. I wrote a letter a total of 2 regarding this Inquiry XXXX and told Equifax I did not apply for any credit. I also put a freeze on my credit because of it. I have also mailed a letter to XXXX the Original creditor because I have not made inquiry or applied for credit and I have yet heard a response. I requested proof from Equifax and only thing received is saying its valid.

Company response to consumer: Closed with explanation