BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After filing for Bankruptcy XX/XX/XXXX, SPSERVIING and XXXX XXXX, where on my credit report as a history and showing that I have a mortgage account. It is now XXXX, XXXX XXXX. According to XXXX Credit Reporting Agency, SPServing  requested that they be taken completely off my Credit Report a couple months ago. Also, stating that they no longer use XXXX services to report credit history. So, why now? Why me? Why did they have to take it off? I'm in a chapter XXXX. Its not required that they report! But, it is their to show history and that I have a mortgage for anyone that I maybe trying to rebuild credit with. So, how can a Credit Bureau show " Full Disclosure '', " Fair Credit Reporting '' when a company decides to just take them selves completely off the Credit Report? This is deliberate. Its no accident. XXXX the money. SPSERVING needs to do whats right. If they don't want to spend money, then get out of the business. Saving money on morality is not the right thing to do. Especially when they know how the economy works and not reporting it, is the same as me not reporting damage to my house and then selling it. If I apply for credit and their not on my report, that is not full disclosure. This company needs to stop being so greed, XXXX, evil and heartless and times. They need to put them selves back on my credit to show history and anyone else 's report they decide to take them selves off of.

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 2023-11-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 6. The following personal information is incorrect Account Number : NAME : XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Tons of over draft charges due to either late payments or payments pushed through without the money to cover the charge

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 2023-08-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
SEE ATTACHED DOCUMENT OF MY STATE ID AND ALL XXXX CONSUMER REPORTS WITH PREVIOUS REQUEST. 

I have already attempted to remove these addresses back in late XXXX it has now been OVER 30 DAYS per FCRA as a federally protected Consumer i am now opting out of any and all authorizations that i the consumer may have given. per 15 UCS 6802, effective immediately as you are hindering my ability to obtain credit.

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 2022-10-31
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Called Mohela on XX/XX/22 at XXXX EST to get PSLF information about the status of my student loan. Mohela is not taking phone calls and the automated FAQs did not answer or clarify my questions and concerns. I feel my payments toward my PSLF were wrongly tallied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Experian Information Solutions Inc.
State: GA
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 AND EXPERIAN BOTH RAISED THE BALANCE ON MY XXXX XXXX AUTO LOAN BY {$2.00} THEN XXXX  PUT A REMARK ON MY CREDIT REPORT FOR THE LOAN STATING FIXED RATE. SO NOW MY XXXX XXXX AUTO LOAN HAS A BALANCE OF {$26000.00}. AND THEY DID AN UPDATE WITH REPTTING WHAT XXXX XXXX SENT THEM. THEY PURPOSELY DID THIS UNLAWFUL LY I AM SENDING MY BILL STATEMENT WITH THIS COMPLAINT FOR THE MONTH OF XXXX WHICH SHOULD BE RY HE CORRECT BALANCE FOR THE XXXX REPORTING DATE. It's a woman by the name of XXXX XXXX at EXPERIAN that is the main person messing up my credit report purposely having her colleagues put in the wrong information and red flag my file. She is abusing her position and authority by doing this.

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 2023-05-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2023 I qualified to have PMI removed from my mortgage because I passed the 80 % threshold as defined in my mortgage note. I called Webster on XX/XX/2023 once the statement in online banking confirmed the balance. I was told that a form will be auto-generated and sent to my home to write in my request. I asked on this phone call if I could get the form electronically and was told no. I have to wait for the mailed form. 

As of XX/XX/2023, I have still not received the form in the mail from Webster Bank to request the removal of PMI. I called in to customer service and was on various stages of hold for XXXX minutes before being told no one from loan servicing was available to help me and they'd call me back. 

At this stage I am concerned I will be charged PMI during my XX/XX/2023 cycle. Based on the slow pace of processing my request to date. If I am charged PMI in the XX/XX/2023 cycle I believe that Webster then would have committed a UDAAP violation under the Unfair definition because this injury could not have been avoided by the customer. Webster had one month to process the removal of PMI and has thus far not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX XX/XX/2023 To : Equifax Fraud Division Dear Equifax Fraud Division, I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that Equifax may be discriminating against me based on my social security number, which begins with a XXXX. It has come to my attention that individuals of minority status, particularly those of the XXXX race and faith, have experienced similar issues with Equifax. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that Equifax is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against Equifax. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a dispute I have with Equifax regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax to address the following discrepancies in my credit report. However, as of the present date, I have not received a response from Equifax. I am seeking your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$1.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$19000.00} ) The account was never late. Please correct this inaccurate information on my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$970.00} ) I question the accuracy of the reported balance of {$970.00} and the designation of this account as closed and charged-off. I am in the process of clarifying this matter with the creditor. In the meantime, I request that Equifax marks this account as disputed to prevent further negative impact on my credit score. Additionally, I ask Equifax to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$900.00} ) I dispute the reported balance of {$900.00} and the presentation of past due amounts, as this account is closed and charged-off. I request that Equifax marks this account as disputed while I resolve the matter with the creditor. Equifax is also requested to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX  Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) This account is not mine. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: ALLY FINANCIAL 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Bureaus are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/23 I while checking out from deltas website to buy a ticket I was presented an offer to sign up for an Amex Delta Sky credit card with a promotional offer of {$300.00} in stmt credit once a purchase is made, I proceed with application submitted and got no respond or an email with an answer, Im the pre application disclosure it states if approved I would received an instant XXXX credit to XXXX XXXX purchase instantly I never received it and I was approved install with a credit line of XXXX when contacted Amex they stated it was Deltas issue for advertising that way and they couldnt issue me the temp credit so I could use, if I would had know that I wasnt able to use the card to purchase that ticket I would had not applied as I had a different method of payment for this I only applied because of the offer that was made to me at checkout neither company delta or Amex wants to take ownership for this issue even when it clearly stated on the disclosure before applying I have a screenshot of this it clearly explain what are the terms to get the promotion I followed the steps and did not received the temporary credit so I could purchase the ticket now forcing me to go and spend more with delta in order the get the XXXX XXXX credit I spent over 3 hours on the phone trying to sort this out with sell delta and Amex. Also American Express never sent me an email to state wether my card got approved or not or any pre disclosures for me to ready when I asked they said I should had gotten one and that they didnt know why and could not re send it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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:
Equifax lied and is being deceptive. They responded to report XXXX and claimed they were responding to inaccuracies that I reported. This is far from the truth. They have figured out a way to manipulate your system and not have to take accountability in their responses to the CFPB complaints. 

Read for your yourself. I am attaching the document that they perjured. 

XXXX ( read complaint, then their response ) I demand an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: CT
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:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They 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 XXXX XXXX XXXX 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 2023-11-23
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Betterment LLC
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I submitted a transfer of {$170000.00} from my Betterment savings account to another savings account with better interest rates. On XX/XX/XXXX I checked my accounts and noticed the money was not there. I called Betterment and they told me the transaction was " stuck '' and it would complete in the next 2-3 business days. I checked back on XX/XX/XXXX because the funds still had not shown and they told me I needed to provide a reason for the transfer because I had just deposited the money the month before. I explained that it was because I found a better interest rate and they documented my response and said they would move forward with the transfer. I also provided this reasoning via email. I then received an email saying they were not going to complete the transfer as I requested but instead were going to return it to the original funding account. It is now over a week later and I still do not have my money and they have not provided me a timeframe on when I should expect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I apply for a credit card with Capital One, I am instantly rejected due to an invalid Security Alert. XXXX reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. XXXX said they had removed the fraudulent Alert after my first application for a Credit Card with Capital One, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to Capital One and have my credit restored so that it reflects my correct " perfect '' score of XXXX?

Company response to consumer: Closed with explanation