BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: LA
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 have been XXXX  sense 2013. I have been home for 2 yrs now o have been fighting to to get information removed with these companies I have submitted verification of ID theft reports, XXXX documentation, proof of address, Drivers license and utility bills proving the state I live in and the reports are still showing this information some will come off and a few months latter they are back on my credit profile. Also once I disputed these items and the place the back when the original dates may have stated it will remove at a certain date and year but when I dispute it the credit bureau reports it back for another 3 to 5 years to be removed. Which makes the account way past the statue of limitations law for credit reporting even though the accounts are not mine and fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
TO : CFPB and other monitoring government agencies This is my third request for Wells Fargo to answer just one question..Where 's the money? 

How can they just ignore your services and my right to know request? 


TO : Wells Fargo Your request for information to support my claim ... ... .READ THE LAW SUITE !

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 2020-09-25
Company: Certegy Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. On XX/XX/XXXX I mailed an order to a company called XXXX  XXXX. My payment was by check written on a XXXX XXXX account that I have had for years. The account balance was more than sufficient to cover the check. On XX/XX/XXXX I received from XXXX XXXX an unsealed envelope containing my original check and order, and with a generic note from a company called " Certegy '' indicating that that XXXX XXXX   was " unable '' to proceed with my transaction because the check had been flagged for some unknown reason by this sinister, invisible " Certegy '' cabal. I called Certegy 's " customer service '' number and screamed at a robot for 20 minutes, who never transferred me to a human being, but advised me that if I wanted the courtesy of a report advising me why they interfered with my transaction and defamed me I would have to supply them with the following : my bank account number, the routing number, my social security number and a photocopy of a government issued ID. Having the use of my mental faculties, I declined this frankly ludicrous proposition. At that point, I went to Certegy 's web site to file a complaint, and was directed to you fine people. I can be reached at ( XXXX ) XXXX or 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 2016-08-17
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have XXXX foreclosure case numbers none of them have given me the opportunity ti resolve the issue completely. 
First filed case numberXXXX Second filed case number XXXX Third filed case number. XXXX I 'm continuously threatened with litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Westlake Services, LLC
State: VA
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:
Affidavit of Truth Pursuant to 15 USC 1692d- You can not engage in any conduct to harass, oppress, threat, to harm my reputation, or property. Telephone to ring or engaging any portion in telephone conversation reportedly to annoy you. 
You continentally called my phone and trafficked my information without my knowledge and invaded my personal property to repo my car. Which is a form of identity theft, wheres my equal consideration? 
Pursuant to 18 USC 8- Obligation or other security of united states defined all debt public and private belongs to the USA .

Your phone calls is seen as a threat to me and caused me grief and the feeling of being violated at my own home leading me to a XXXX. 
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or Law clearly states its a XXXX dollars per violation Under law each excessive phone call is a violation of a XXXX. 
I request I receive my car back under conditional acceptance with title Under the Gramm Leach-Bliley Act, a financial institution must provide its consumers with a notice of its privacy policies and practices, and must not disclose non-public personal information about a consumer to non-affiliated third parties unless the institution provides certain information to the consumer and the consumer has not elected to opt out of the disclosures. The act as well requires the commission to establish for financial institutions appropriate standards to protect consumers information Thank You, XXXX XXXX Without Recourse

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 2022-04-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
i would just like to complain about how stupid the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: FISERV INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter saying a had a written a check that had insufficient funds from TRS recovery services. I telephoned the agency and spoke with XXXX XXXX on XX/XX/23. She stated that the account # ending in XXXX, however this is not my account. I only have a joint account with my husband and his name isn't listed on this letter. I am not aware if someone has an account using my name or if this company is a scam. I received another notice on XX/XX/23

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 2021-10-14
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a co signer on loans for numerous in my daughters name XXXX XXXX. I am paying the loans. They are saying I am in default. I am not. My customer id is XXXX. My email is XXXX. I want to file a complaint against XXXX XXXX. They refused to connect or name the manager of the ombudsman. I do have a XXXX which, under stress causes XXXX XXXX XXXX. I have been paying the payments and they keep sending me default letters. This in turn has my ex-wife taking me to probate court. I have documentation from Sallie Mae that I have been accepted into a re-payment program as I am the cosigner and did not expect to have to repay the loans in full. Today I spent 1.25hrs on the phone and spoke to 5 different people. Their errors is reflecting on my credit as well and they refused to write a letter correcting the problem. I would have never signed for loans, that were not Federal and XXXX XXXX accepted PPE money. I need help please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Discover Card charges a 29.99 % interest rate. This is a usury rate. It discriminates against seniors that are on fixed income. Arizona law is a 10 % interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
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:
THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX  XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-18
Company: The Aligned Company DBA Extra
State: TX
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:
This is my final attempt to cure and remedy this matter before seeking further counsel in regards to my last complaint XXXX, which I am following up to. XXXX has failed to supply me with authorization to share my non public information with non-affiliates. I have never signed an authorization for them to do so and all their responses are false and misleading. I was assured my non public information would not be shared with non affiliates. Otherwise, I have been mislead by XXXX and its use of language and securities fraud. This company refuses to upload the authorization to share with non affiliates to the CFPB portal and operating with great deception. As a financial institution as defined under title 12 U.S Codes it had refused to respect my privacy and my rights and continues to violate me and respond partially to my complaints.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX My business checking account was fraudulently debited in the amount of {$4300.00} by a company XXXX XXXX XXXX XXXX XXXX  apartment complex. Due to my office being closed for 2 months due to several of us contracting XXXX and having XXXX XXXX  we did not become aware of the debit until a meeting with our XXXX XXXXXXXX team on XX/XX/XXXX, which flagged the item prior to the XX/XX/XXXX meeting but could not reach me to discuss it. I immediately filed a claim with the Bank of America business department as Fraud and told them we had a prime suspect, but the property would not confirm the culprit until we filed the claim. I was told on XX/XX/XXXX I would receive a decision for my provisional credit of {$4300.00} as they took up to 90 days to investigate the matter. However, I called today XX/XX/XXXX since I had received NO correspondence or calls regarding this seriously urgent matter. I was told they denied my claim for not " Reporting the Activity in a timely manner '' and " ACH wire into account before the transaction '' However this is my MAIN business account so of course, wires came into the account but that did not make us privy to the fraudulent debit AND as explained I was dealing with and recovering from XXXX and was unaware of the fraud discovered by my XXXX XXXX team. I called as soon as I was made aware and was well enough to call. 

This grave injustice to penalize me for not noticing fraud sooner due to being XXXX and dealing with a XXXX XXXX within our company seems contradictory to the fiduciary responsibility as there were NO ALERTS sent to me from the bank... THEY NEVER asked me to verify the charge. However, several times I have been making large purchases at XXXX with my PIN I have had them denied and I had to call in to get them approved. The bank can not PICK & CHOOSE when it protects my account and when it does not and then NOT honor its advertised 100 % fraud protection as I never signed an agreement or contract stating the specific timeframe for a fraudulent item to be reported. If I had that knowledge previously it would be something in place with my accounts payable team to make sure to audit our account within those specified guidelines. The mere fact it seems NO INVESTIGATION was even done, and my bank made the autonomous decision to " DENY MY CLAIM '' for frivolous reasons seems like a breach of trust, and their fiduciary responsibilities. I respectfully ask this matter to be investigated thoroughly as soon as possible as my business urgently needs the money fraudulently taken from us back to keep payroll afloat.

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 2021-06-02
Company: Credit Control, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have called credit control for 4 months to no satisfaction. they keep offering a settlement and demand a one time payment for this settlement which they understand is not possible. they then offer terms on the full amount which is not fair and discriminatory. 
they are in fact not wanting to settle and then start repeating, offensively there demands. 
they are not open to any discussion but their stipulated terms.

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 2023-09-05
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
In XXXX of XXXX  I was quoted a rate on my home equity of XXXX on a Friday I picked up a check for {$20000.00} before spending the money my husband called the bank that Saturday and was quoted XXXX the following Monday we spent the money when the first statement came the rate was XXXX the employee who quoted the rate is gone and Pnc Bank  XXXX XXXX XXXX XXXX pa XXXXwill do nothing to help us they admitted the mistake and say the employee is gone I hope they are not working at another bank Pnc Bank really don't care they have done nothing not even a sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been requesting validation of this account XXXX  XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score.

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through e-Oscar system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.

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 2023-08-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was terminated on XX/XX/23 from my employer. It's been XXXX weeks and they have not provided me with a separation letter ( I need for unemployment ) and they have not updated The Work Number ( Equifax XXXX XXXX ). This is messing with my livelihood and health benefits. Equifax said they investigated but if they spoke with HR, HR would have told them, I'm not employed and they are trying to update the system. 

I've included an email from XXXX explaining my termination will be processed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLAND FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IN
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NJ
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:
N accordance with the fair credit reporting act XXXX account # XXXX / XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

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