BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed our ( my parents and I ) credit cards without warning.

1. There was no 45 day notice ; no warning whatsoever.

2. The accounts were closed NOT because of inactivity. We have charged the card every month for many years.

3. They would not disclose any reason why it was closed. They simply said " sometimes this happens and it's not reversible. '' 4. They didn't let us redeem our rewards and said they were lost because the card is now cancelled.

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 2022-11-04
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:
The credit bureau violated my privacy rights and allowed XXXX XXXX XXXX XXXX to place negative reporting information against me on my credit bureau file that is listed with their company under my identity/social security number without my permission. According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I have not given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should 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, which it is. Therefore, XXXX XXXX XXXX XXXX has also violated my rights.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: KY
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$340.00}, XXXX  XXXX XXXX Balance : -

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 2021-08-04
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan with PENFED CREDIT UNION and i was declined for reason that are not true, several of my colleges in sale and bank institution told me there's no reason to be declined i have XXXX credit score XXXX  credit history, 1 % credit card used house pay-offf, XXXX  vehicles pay off in history,,, no debt what so ever i have history of payment on personal loan it makes no sense to be declined ... 
there are discriminations that's what that is there's no reason to be declined i im going to take this to this all the way this is not legal

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 2021-08-04
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:
I have repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for the I.C. SYSTEM, INC to show proof of verification that I owe them {$420.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: NE
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:
I disputed an account listed within my credit reporting file and requested copies of all documentation obtained in the process of verifying that a debt should be on my credit report to ensure they are performing a legal investigation into the validity of the debt as required by federal law to ensure only 100 % accurate information is being reported. I am not familiar with the company and have not done business with the company reporting the debt to the credit reporting bureau, however, I only got a notice the debt was supposedly verified and that it would remain on my credit report. 

The business reporting the incorrect information XXXX XXXX XXXX XXXXXXXX XXXX  to the Credit Reporting Bureau ( Experian ) will not provide any documentation that they performed a legal investigation into my dispute, as I did not do business with anyone listed on this account, I requested a copy of any signed documentation ( from both Experian and XXXX. XXXX, XXXX ) that was supposedly signed by me authorizing the original account be opened in my name and with my social security number, neither company has mailed me or emailed me any signed documentation of my authorizing any account in my name or social security number. 

This information is not correct, and I am unable to get it cleared from my credit report. 
Federal Law requires only 100 % accurate information be reported in a person 's credit reporting file and Experian is failing to follow the guidelines set forth by the Federal Government and the reporting business is failing to provide any signed documentation that the account was authorized by me, I would like to see a signature so it can be compared to my lifetime of signatures by a specialist.

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 2022-12-28
Company: Nelnet, Inc.
State: NC
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:
Around XX/XX/2022, I discovered that Nelnet is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with Nelnet transferred to XXXX in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my XXXX and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. Nelnet is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. XXXX completed their " investigation '' in less than XXXX weeks and stated my loan with Nelnet was accurate. I then contacted Nelnet and explained what I was seeing on my dispute report. The Nelnet representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from XXXX that Nelnet DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with Nelnet. The representative told me she could not send me anything like that through email. I then informed her that Nelnet did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from Nelnet stating I paid off my XXXX loans with them. I then did another dispute with XXXX and uploaded the emails from Nelnet. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this Nelnet inaccuracy. I have also reported this to my state 's Consumer Protection Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: I.C. System, Inc.
State: IL
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:
Remove all negative and derogatory remarks, late payments and incorrect information

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 2023-03-27
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:
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 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) 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 OPM 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
REMOVE INQUIRY LETTER OF DELETION NOT PROVIDED ACCOUNTS DONT EXIST!! 
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last four of my SS XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX Disputed by Consumer. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear Experian XXXX XXXX XXXX XXXX, TX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
( XXXX XXXX ) Hard Inquiry. On Report number XXXX Reason : On my credit report I went to XXXX XXXX XXXX and was told specifically that one one hard inquiry would be on my credit report. However there are multiple inaccurate reports of credit pulled that I didnt authorize. I reached out to The legal department of XXXX XXXX XXXX  and they will investigate because that should have never happened. Therefore this is a result of fraud and miscommunication. I filed a FTC report today. Listing the negligence on XXXX company for not fixing these when I had an agent on the phone. The burden of proof is not belong to me. Im the Consumer who is suffering because of your negligence.. 
You are supposed to investigate and report back to me ONLY BY mail correspondence the results of your finding. Tell me how can you do an investigation and verify it is accurate. Did you get a copy of my signed verification that I wanted XXXX XXXX to provide me a car loan?. How do you verify through email. Can you provide to me your source so I can also dispute with them as well? ARE YOU FAMILIAR WITH SOMETHING CALLED 15 USC sec 1681i ( a )? I heard that if you can not provide proof these accounts must be deleted. Well I want these 2 accounts deleted if they are not 100 % right and correct. So could you please check on these and get back to me? 

On XXXX of XXXX. I spoke with your fraud department who told me it was my responsibility to contact each company that has pulled my credit file. I did contact directly XXXX XXXX and asked if they will remove the negative item and inquiry from my credit report by letter or by phone. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I called them 5 times XXXX XXXX XXXX. They said NO ACCOUNT FOUND? They can not write me a letter of deletion since they dont even know who I am? 
Awaiting your prompt response FTC report number included with this letter. Try not to lose it like you did the last one I sent you certified mail. Unable to obtain a Deletion Letter from XXXX XXXX No Account found via My social security number. 
Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: MI
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:
XXXX  and Equifax are incorrectly reporting a bankruptcy on my credit report I don't have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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:
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. 

Account name : XXXX : Reference # XXXX, Account Name : XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX : Account # XXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: OH
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, XXXX XXXX XXXX ( CONSUMER ) did not consent to, authorize nor benefit from the following fraudulent accounts. Block and remove them. This Identity theft report was not done in error or a material misrepresentation. If Equifax believes I have received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods and services as a result of these alleged transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was issued a loan commitment letter from Wells Fargo on XX/XX/21 On XX/XX/21 XXXX XXXX nmls Id : XXXX notified that since my debt to income ratio was 41 % i would be denied for the conventional loan i given the loan commitment for although i was notified by another Wells Fargo mortgage representative that the dti ratio can go up to 45 % on their conventional loans. I feel as if Im not being treated fairly and would like some assistance in my case. My credit is a XXXX and i am first time home buyer. Throughout the loan i would be given a interest rate lock agreement thats supposed to lock my rate for 60 days however two weeks later i would receive a new agreement that they want me to sign where the loan interest rate increased from 3.25 % to 4 % and they just sent me another interest rate lock agreement as well. Im now in contact with Wells Fargo executive office and they are aware of my complaints and are assigning a specialist to look into my case the agent i spoke with name is XXXX employee Id number XXXX on XX/XX/21.

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 2022-04-05
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-25
Company: Maximus Education, LLC dba Aidvantage
State: TN
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:
ON XX/XX/2022, Sent a letter to XXXX, XXXX, XXXX, And XXXX informing them the information they are report to my consumer report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: MO
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I use an app called XXXX it links up with pnc to transfer cash.. due to changes at your bank I can no longer link ; this is causing major issues. XXXX uses XXXX to link up to pnc. What are my options I need to transfer funds intoy account asap thank you in advance

Company response to consumer: Closed with explanation