BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX XXXX is reporting to Equifax that I have federal student loans with them according to Equifax 's investigation into the loans and the amounts reported by XXXX XXXXXXXX XXXX, however, XXXX XXXXXXXX XXXX XXXX federal contract ended in XX/XX/XXXX and ALL of the federal loans that they were servicing were transferred to other companies such as XXXX ( where my loans were transferred to initially ) and XXXX ( where my loans were transferred to and consolidated and remain ). I find it difficult to understand how a loan company that no longer holds federal student loans at all would report that I have loans with them as Equifax reported in their investigation into the matter. Equifax response was as follows : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXXXXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXXXXXX XXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXXXXXXXXXX XXXX-THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXX XXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX/DEPT OF ED THE BALANCE OF THIS ITEM HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : DEPT OF EDXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE . We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/21 I sent transunion a letter disputing the validity of the bankruptcy and accounts including in the bankruptcy they are reporting on my credit report. They responded with a letter stating the verified and updated his item. I went directly to XXXX district of Illinois and XXXX to dispute the item in question and neither companies could not verify this item so they deleted it from the database. 

I went back to transunion and showed them the deleted bankruptcy from both companies informing them if they couldn't reveal how they truly verified this item it needs to be deleted according to the FCRA. They have once agin refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest rate every year. 

This items needs to be deleted from my credit report if it can't be verified within 30 days.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently viewed my credit report and noticed several fraudulent and unknow companies reporting inaccurate and fraudulent information on my credit report. I filed a FTC report and notified my local authorities of the issue. I submitted the FTC report to XXXX and TransUnion on XXXX XXXX, 2021 to prove that XXXX XXXX, along with XXXX XXXX somehow obtained my information fraudulently from a consumer who has compromised my identity and destroyed my credit integrity on XXXX XXXX, 2021. Less than 30 days later I received an alert saying the accounts were updated with the same information reported from the prior month. I submitted another dispute with the FTC report and including my Driver 's License a current mailing with my true and accurate identity again with both Bureaus and the Companies updated the information again with a late fee added of {$54.00}. I am very disappointed in both XXXX and Transunion in their performance in upholding the consumer laws. I have validated my true identity in each mailing and online dispute with both Bureaus. I want my CREDIT integrity restored and all fraudulent activity in my report that's not mine to be REMOVED.

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 2023-06-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have a fraudulent account on my report and I sent in the ID theft affidavit and the consumer reporting agency had re-inserted this account to my report.

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 2021-03-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAGEM is claiming that I owe them {$430.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Fidelity Rewards Visa Signature credit card as described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card As it states clearly, quote as below : " Every eligible net {$1.00} spent equals 2 Reward Points No limits on total Reward Points and no restrictive categories Reward Points will not expire ''. 

I never heard of anywhere or was told that the reward points would expire, so I never thought of checking my rewards status, until recently I came across my rewards activity and realized that over the past years a total of XXXX points of mine expired in 6 times. 

I contacted the card customer service and they told me unused points would expire after 5 years ( which was completely opposite to the introduction on their own website ), and they could not reinstate my expired points.

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 2023-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Subject : XXXX XXXX Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from Equifax and XXXX and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by Equifax and XXXX. Equifax indicates that the account is an installment contract, while XXXX reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both Equifax and XXXX have discrepancies in the reported account open date. Equifax and XXXX state that the account was opened on XX/XX/XXXX. However, Equifax reports a balance of {$7200.00}, whereas XXXX reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by Equifax and XXXX. XXXX states that the term limit is 60 months, while Equifax reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, XXXX reports a past due balance of {$5200.00}, whereas Equifax states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by XXXX and Equifax. XXXX reports a last report date of XX/XX/XXXX, while Equifax states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, USC Section 1681, and Section 604, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I utilized a loan deferral option by wells fargo bank online that was titles " we are here for you ... '', and it basically allowed you to click and defer your loan because of the economic impact of the pandemic. I utilized this for about 6 months and started repayment afterwards. My issue is I was charged around {$2000.00} in interest which is unbelievable. Worse yet, my first 3 payments of around {$700.00} were all put towards that newly acrrued interest and my principal amount was not touched. How is this helping people out during a pandemic when you profit off them? I did not realize that I would pay that much interest and thought Wells fargo was actually trying to help with their " we are here for you ... '' slogan and link online. They should have done a better job explaining just how much you would pay extra on your loan in effect increasing their profits regardless. I would have preferred to continue making payments if I knew I would pay {$2000.00} extra. I would ask for greater transparency as I believe some of their credit card deferments freeze interest payments if I am not mistaken and I thought mine was either the same or minimal interest would be charged. I believe you can not mask an extra profit making mechanism as pandemic help. Helping someone does not usually involved getting more money out of them and is unethical and immoral and if you are doing so you must clarify and highlight in large print your true intentions and just how much the " help '' would really cost you. I am struggling with rent and bills as it is and now my first 3 installment loan payments which I am struggling to make are all extra interest payments. That is just not right. I called customer support on XX/XX/XXXX and after explaining my situation, the customer service rep did not offer any sort of remedy to help me except for stating I have finished paying off the approximate {$2000.00} in extra interest for my 6 month deferment. I believe they should waive the extra interest and put the amount I paid towards my principal and normal interest levels or at the very least reduce the enormous interest amount in the middle of a global pandemic. Thank you for listening.

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 2022-10-14
Company: Avant Holding Company, Inc.
State: GA
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:
Avant violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they disclosed my non public personal information ( loan balance, amount of the loan, etc.. ) to non affiliated third parties ( XXXX, XXXX, and XXXX ) without giving me the proper disclosures, one of which would have given me the ability to opt out of having my information reported to the credit bureaus. They also violated 15usc1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act by reporting transactions between me ( the consumer ) and the person making the report ( avant is a person by legal definition because they are a corporation ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo has failed to send settlement check for previous clams. Wells Fargo has caused Financial Deformation by not opening up an account under XXXX XXXX XXXX. I have submitted 24 karat Gold, under the Mines and Minerals Act of 2009, at the Time of Opening up XXXX XXXX XXXX. XXXX XXXX XXXX, account number ending in XXXX ; XXXX ; XXXX. I have submitted XXXX XXXX and XXXX XXXX to Wells Fargo representative who open my account on record. XXXX submitted to Wells Fargo is supposed to be Transferred to the Department of Treasury.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called twice, emailed 3 times and chatted on their website once. Letting them know they did not pay my XX/XX/2018 property taxes and now there is a late fee, the money is in their escrow account and they still have not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am on a graduation repayment plan with Nelnet because, like many other 30-somethings, I have a large amount of student debt. I pay consistently every month, often more than what my amount due is. I am currently stuck in negative amortization and while I am paying over {$200.00} a month for my student loan, I am accruing a interest at such a rate that all of my payments for the last year have only gone towards interest and my principle has still gone up over {$600.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, XXXX XXXX XXXX report a late payment delinquent in my fico score. Due to the change of the minimum amount, I was paying less than the new minimum amount. I did not received any emails or calls notifying me about the issue. I got an alert from TransUnion saying I have a delinquent showing in my fico score. I gave XXXX  a call and they told me that if I can get my account to current, then they will submit a request to remove the delinquent. I payoff the account and my account is current, but XXXX did not remove the delinquent from me fico score. I tried to call XXXX and TransUnion multiple times and they keep telling me to go back and forth between them. Now, XX/XX/2020 and still nothing is done and they keep shifting the blame between them and no one is doing anything. They like to play games but I don't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
XXXX keep lying and refusing to give the sign-up bonus I deserve. 

XX/XX/XXXX - I opened a XXXX XXXX card and met the spending requirement for the sign-up bonus. American Express sent XXXX points to XXXX as the sign-up bonus, and they confirmed this several times in few inquiries I have made. 

XX/XX/XXXX - I contacted XXXX to ask about this, and they opened a case and asked me to wait 2 weeks. 

XX/XX/XXXX - They sent an email that I didn't meet the spending requirement. I called Amex who said that is not true and they already sent the points. I chatted XXXX and they opened a case for this and asked me to wait 2 weeks. 

XX/XX/XXXX - I contacted XXXX again and they updated the case and told me wait 2 more weeks and there was no follow-up for this. 

XX/XX/XXXX - I finally conference called with both XXXX and Amex together because XXXX is refusing to give points for no reason, and they agree that I deserve the points. They said wait for 7-10 days to get it resolved, and offered some points for compensation. 

XX/XX/XXXX - I still didn't get any points ( even the compensation they offered ) so  contacted XXXX again. They said they updated the system and the case should be updated. Also told me wait more. 

They are refusing to give the sign-up bonus advertised and keep lying that the issue will be resolved soon. I patiently waited more than 4 months but it seems like they are mishandling this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Adjusters has reported a debt for a company called " XXXX '' on my credit report for {$2100.00}. Attempted to dispute debt and have requested validation of debt. Disputes have come back as " Debt confirmed ''. No paperwork or anything sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the EXXXXOSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the E-OSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.

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