BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A savings Bank account was opened in my name. I did not authorize it. Someone stole my identity and opened a bank account in my name at Bank of America

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 2021-01-10
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: Was not notified of investigation status or results

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy still showing from 2014. Have asked twice for it to be removed and received no consideration. As of now the bankruptcy still shows

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 2021-03-12
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In the fall of XXXX, Fulton Bank ( " Bank '' XXXX had a written promotional bonus offer pursuant to which it would give the customer a {$120.00} bonus if the customer opened a savings account by XXXX XXXX, XXXX, deposited {$1000.00} or more of new money into that account within 60 day, and maintained a balance of at least {$1000.00} on the XXXX day after account opening. Specifically, the Bank stated that it would " credit one {$120.00} bonus to your savings account if on day 60 after account opening you have a new money balance of at least {$1000.00}. '' I opened a savings account on XXXX XXXX, XXXX. The Bank confirmed in writing and over the phone that I opened the account that day. In the phone call, the rep. with whom I spoke stated that I had fulfilled all the terms of the offer to that date. Also on XXXX XXXX, XXXX, I arranged for a deposit of {$1000.00} into the new savings account via ACH withdrawal from XXXX of my other bank accounts. The Bank credited that money to my new savings account on XXXX XXXX, XXXX. 

I maintained that balance in that account throughout the XXXX period, which ended on XXXX XXXX, XXXX, and beyond XXXX it is still there ). Nevertheless, the Bank has failed to credit my account with the promised {$120.00}. On XX/XX/XXXX, I called the Bank to ascertain the status of the bonus. The rep. with whom I spoke stated ( after putting me on hold for XXXX minutes ) that the Bank had no record of any applicable promotion and that someone from the Bank 's " sales '' department would further research the issue and call me the morning of XX/XX/XXXX with a further update. Nobody from the Bank called me on the morning of XX/XX/XXXX. Also, immediately after my XX/XX/XXXX phone call, I sent an email to the Bank 's XXXX XXXX. VP in charge of XXXX Banking and the head of the branch in charge of my account, describing the issue and asking them to do what they could to expedite the deposit of the bonus into my account. Neither of them XXXX nor anyone else ) has responded to that email as of this time.

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 2019-04-10
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 and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: MOHELA
State: TX
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 do not agree with the payment tracker towards PSLF on the Mohela dashboard for my account. I have been working in XXXX XXXX since XXXX. I have all my qualifying employers verified and confirmed with completed employment verifications on the Mohela dashboard as follows : Employer Employment Begin Date Employment End Date XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX US DEPT OF EDUCATION FEDERAL STUDENT AID XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to PRESENT Yet on the payment tracker, it is missing the 46 months from XXXX of XXXX to XXXX of XXXX. Those months are not listed, in either of the ELIGIBLE nor INELIGIBLE lists. Within those 46 months there were only 14 months, XXXX of XXXX to XXXX of XXXX that I was not employed with a qualifying employer. So 32 of those 46 months should be ELIGIBLE. That would bring me to 126 qualifying and eligible periods as of XX/XX/XXXX, towards my PSLF. I will certify employment with my current qualifying employer in XXXX, so that will bring me to 138 towards the 120 required. 

I have contacted MOHELA several times. I have contacted the Department of Education/Federal Student Aid and the ombudsman and they have not updated these missing months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-23
Company: FISERV INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an email in regards to unpaid transactions from XXXX. I looked on my bank account they all were paid in full before I received the email. I tried to use my XXXX account it was locked I called them and they gave me the exact transactions that were showed on my 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 explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Transunion, to reinvestigate these accounts : XXXX - XXXX, XXXX - XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been getting alerts from XXXX XXXX XXXX XXXX XXXX 's credit monitoring with XXXX XXXX XXXX who gathers their information from Transunion 's vantage score 3.0 report. I have a security freeze on my credit with Transunion due to identity theft yet there are 8 security alerts with 5 of them being in XX/XX/XXXX and 3 from XXXX. These include 2 new employer changes, 1 new address change and 5 hard credit inquiries. None of these changes or inquiries should have happened as I have had a security freeze since XX/XX/XXXX and have never done business with any of these companies. I have not applied for anything in several years since before I added the security freeze. I have not moved in 17 years or changed employers in 41 years. Transunion needs to remove everything that was changed or added since XX/XX/XXXX when the freeze was placed.

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 2021-01-10
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2021 I initiated 2 transfers using XXXX through Ally bank for a total of {$400.00}, this money was supposed to be transfer to a XXXX  XXXX XXXX account that I myself own. On the ally bank side it shows the transfers were completed. it is XX/XX/2021 and the money hasn't reached XXXX  XXXX XXXX. I spoke to XXXX on XX/XX/2021 and they said there is nothing they can do on their end they advised me to get in touch with ally bank so they can perform a trace on the funds. I have been on the phone with ally several times since then and nobody can tell me what's really going with my missing money. I decided to look up ally bank on the XXXX XXXX XXXX and they have one of the worst ratings with over XXXX complaints. ally bank is getting away with peoples money they need to be hold accountable. I have transferred money from ally bank to XXXX before using XXXX and never had an issue I know the email addresses im using are good and registered to receive XXXX payments. looking online there are thousands of people complaining about similar issues.

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 2022-04-27
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:
I am XXXX XXXX and I am the author, of this complaint. 

This complaint is specific - and, traceable. 

This complaint is about Equifax- and, their unwarranted data changes that have occurred on a Tradeline, when neither a dispute has been lodged nor- has the XXXX XXXX sent an updated file in YEARS. 

This is for XXXX XXXX Auto Specifically- but please know there are two accounts where Equifax changed the data. Data does not change on its own. However, the impact is demonstrative of what impacts to a consumer score. 

The Changes to this data, and done by Equifax- caused an immediate drop in scoring, Changes are visible from a before and after view of an account 1. The Date of the notification is XX/XX/XXXX 2. Please see the screen shot of the Alert/Notification from Equifax 3 . Please Also see the Scores before and then after ( in equifax ) 4. Equifax- removed the activity Designator 5. Previously was " Paid and Closed '' 6. Equifax erroneously added comments " Consumer Disputes- Reinvestigation In Progress '' 7. I have never disputed this account There are screen shots of Before ( f ) and after, there are also screen shots of the notifications. 

Please remove the false, misleading and inaccurate comments. 

Please put the Activity Designator BACK, to where it was. 

Or- please, verify the account, supply the source and method of verification, supply a new printed report and by usps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
Someone used my social security number to open a XXXX XXXX XXXX credit card under my name WITHOUT my permission. I believe this to be identity theft. Also used an address that I have never lived at before. I do not associate with address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. This is not my address and has never been my 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 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I filed a complaint with CFPB for XXXX XXXX XXXX, through the CFPB for the debt titled XXXX  for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. 


This is predatory, this isn't mine. That's why you guys had them delete it in the first place. 

Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.

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 2018-07-09
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:
I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services XXXX time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and Equifax has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NY
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:
Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( C ) ( A ) 5 States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 2 ( A ) 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ally financial has promised since covi19 to work with me since i am struggling making payments on loan # XXXX and loan # XXXX their # XXXX they got covi relief help from President to help customers who are struggling like me, they promise to put missed payments at end of my loans. they havent send me a new statement with balance. They did try to REPOSSED BOTH trucks, as of XX/XX/2021 they call me to harass me and I also filed claim w/state attorney general cause she said lenders cant go after customers who are not paying due to covi 19, they are by law supposed to work with me on this issue. Ally has not do that. XXXX XXXX at XXXX XXXX XXXX XXXX fl XXXX email 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 2020-09-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in regards to my request for a payoff to Rushmore Loan Management Services of my VA Mortgage in XX/XX/2020. The company Rushmore Loan Management Services did not provide a payoff amount to XXXX XXXX my new XXXX XXXX XXXX company when initially requested in XX/XX/2020. The company Rushmore MrLoan Management Services LLC. continued to procrastinate even after I contacted them and asked for a payoff for my refinance. Rushmore finally provided a payoff amount at the end of XXXX but would not process the payment from XXXX XXXX XXXX XXXX until XX/XX/2020, therefore, causing a late payment on my credit for late processing and not adhering to Fair Lending Act regulations. Rushmore Loan Management Services LLC. has not provided my Escrow Refund of {$1700.00}. Rushmore has not complied with the Fair Credit Reporting Act or Fair Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My direct deposit of XXXX from XXXX was to go in Wednesday XXXX its been payed my my employer and payroll company XXXX yet Chime XXXX XXXX says it has not received it. WHERE IS MY MONEY

Company response to consumer: Closed with explanation