BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You, however, seem to claim you've verified the accuracy of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In XX/XX/XXXX I called XXXX to receive my three free annual credit reports from XXXX, XXXX, and Equifax so that i could begin to dispute incorrect credit info. I received XXXX and XXXX reports and never received Equifax after receiving the other two reports.I tried contacting Equifax by certified mail ( XXXX XXXX ) only for them to send me a letter ( XXXX XXXX ) stating that they needed me to send personal info in the mail as to prove who I was ( copies of utility bill, ID, W-2,  social security, etc ) .I sent certified mail to all three agencies with the a letter of dispute and a letter from the agency that I paid the full amount to as well as the bank statement showing the full payment amount. I also found out today ( XXXX XXXX ) that XXXX  deleted my social security number from my credit report deeming me untraceable to calling the agencies and being identified. Im fighting to clear a debt that I paid on XX/XX/XXXX in the full amount and now they seem to be making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I got inquiry from XXXX on my credit report..I do not have active credit card or car loan with 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I occurred at least XXXX dollars in charges for insufficient funds when the funds were there forcing me to have to close my account on bad terms bills were sent back causing me to lose XXXX dollars declined payments

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 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX XXXX bank of america credit card made an unauthorized transfer of funds from my XXXX XXXX checking account. I set up an online payment on XX/XX/XXXX. On XX/XX/XXXX two transactions posted to my checking account with the same transaction number but for two different amounts - the first for {$1200.00} which I scheduled online and the second for {$1100.00}, which I did not schedule or authorize. I called customer service for bank of america to inquire how this had happened and request a refund. I was given no explanation for how or why I had been double charged but was told I would be refunded the {$1100.00} charge in no more than 10 business days. I clearly explained that I had not made this payment and believed it to be a mistake. On XX/XX/XXXX my money had still not been refunded. I called again and asked how the double charge had happened. The customer service agent on the phone could not explain the error and told me that the refund had been processing when it was flagged as fraud on XX/XX/XXXX. I was not notified and the agent could not give me any explanation as to how or why this had been flagged as fraud. I was told I would have to call back in 2 more business days to get additional information. I was given no time when my refund would be processes. I said that this was unacceptable and asked to submit a complaint. I called my XXXX XXXX XXXX  and requested assistance and they requested a return payment on my behalf.

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 2023-04-04
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 sent a request to Experian to remove XXXX XXXX XXXX XXXX XXXX because of identity theft. Experian sent me a letter stating they did a reinvestigation and verified my information with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). Experian did not remove the information as required by 15 USC 1681c-2 ( a ). Experian violated my rights by contacting XXXX for a reinvestigation pursuant to 15 USC 1681d ( 4 ) and 15 USC 1681i ( 5 ) ( A ).

I have filed an Identity Theft Affidavit with the IdentityTheft.gov website and do not understand why Experian would contact XXXX with my information ( ssn, birth certificate ) and other PII, when XXXX is the company that did Identity theft. MBFS gave my personal identifiable information ( PII ) to a third-party company who stole the vehicle from my home, which is the reason ID theft was filed against them. 
In addition to identity theft, XXXX has sold the alleged debt to a company called XXXX XXXX XXXX with reference number ending in 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft for several years. I have at least XXXX correspondences from companies that my personal information was compromised from. There have been several accounts, address, phones number and personal statements added to my credit profile. I have tried for the past 18 months, contacting the credit reporting agencies ( XXXX, XXXX and transunion ). Some items are being removed, but later reappearing. A lot of the issues still have not be removed. This has been an extremely frustrating situation. As a mother of XXXX, fighting XXXX, surviving XXXX XXXX in the XXXX  with XXXX, to have to spend so much time defending my integrity after being a victim. This has become disheartening and disappointing.

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 2019-09-30
Company: CADENCE BANCORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had this mortgage for almost 8 years now, previously with State Bank. 
State Bank was bought out by Cadence Bank and my mortgage now keeps changing. I went from a 3.75 % interest rate and it has adjusted several times, most recently all the way up now to 6.375 %. 
When I called the bank they said it was based on Wall Street, however interest rates are lower than they've been so while the rest of the nation is seeing rates drops, my mortgage keeps raising my interest. My payment for almost 8 years was $ XXXX {$2800.00}. I just got my most recent statement and it spiked all the way up to {$5600.00}. This does NOT include insurance and taxes which is another {$2000.00} month for me. I'm not able to pay this much and don't know why my mortgage jumped so high! When I called they said it was because it was interest only and now principal is being applied, but I never had an interest only loan. I had always had principal and interest with my original loan. I don't know why or how it is legal for Cadence Bank to make these changes that are detrimental to my home. I can not afford this mortgage based on what they have done and I'm afraid I will loose my home if this doesn't get resolved asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I look and check my credit karma daily. It gives me multiple great options to be approved for many credit cards, but the denial rate has been significantly higher than any approval rate for any card that Ive tried to get based off their recommendations this has affected my credit score. If they would have not recommended that I had a excellent chance to get the cart I would not have applied that is so unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX I tried to contact US Bank to obtain bank statements for all of my closed accounts due to a pending divorce. After being on the phone for over 2 hours and after being transferred numerous times, I was told they only had record of one of my accounts ( I believe I had 8 accounts ). I was able to give them the account numbers for other accounts but they claimed they did not have any records. My savings and checking accounts were listed on the one account the bank was able to find, yet they still claimed they had no record of the account. I closed the accounts in XXXX and need documentation in the form of statements.

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 2023-02-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It XXXX Concern : I am writing to dispute several accounts on my credit report that are being inaccurately reported, which violates the Fair Credit Reporting Act, 15 USC 1681b, that defines the permissible purpose of consumer reports. According to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( j ), exclusions from a consumer report should be removed. 

The following information is incorrect : Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Phone number XXXX ( XXXX ) XXXX, cellular Phone number : ( XXXX ) XXXX, residential Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name variations : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and make necessary corrections to my credit report. I have attached a copy of my identification as well as any other relevant documentation to support my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-03-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a notification from XXXX XXXX that my account balance increased by {$24.00}. It also states my loans have been " deferred. '' My autopay appears to have been canceled because of this. I want to be very clear ... I never authorized these changes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
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:
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.

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 non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: IN
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CFPB complaint XXXX u asked for my sensitive personal id. I hope u treat the fraudulent corporation with said invasive sensitive proof demanded of me the victim of their financial crimes!. U sent me a link in an email to upload my ss card my Gov is and a bill. Then u wanted me to tell u my address for 2 yrs my dob and ss number. I did that multiple times for an hour. Your site is BROKEN and wont let me upload docs. Im complying with your request here. 
I have lived here for 24 years and the other info is on the documents u demanded from me or else u wont consider my complaint. Unfair. 
Make the XXXX  prove they paid ins from XX/XX/XXXXXXXX  to XXXX. Make the XXXX  prove they delivered 2 legally required completed cancel docs at execution with proper dates and address of property. Neither can be proved without their fraud. The address is wrong and includes the house across the street! Dates wrong. 2 legally compliant cancel docs are required to be delivered to borrower and they still have not done so!!! It never happened. XXXX removed the loan completely as should you. You have willingly and intentionally ignored my proof of escrow cancelation, multiple times, my proof of ins payment, my proof of their written promises to cancel this loan and remove from credit bureaus. U ignore my evidence intentionally and recklessly and to my harm. I have been forced to sue for inaccurate credit reporting. U dont care. U ALWAYS side with little to no evidence from the corporations here. That system is unfair and broken. There is overwhelming proof the debt was paid and u ignore me and side with a corporate non of the head absent ANY proof. Thats just wrong and harmful. 

All money was returned to alameda per loan terms in check XXXX less damages to me. Thousands of dollars more than I got in loan proceeds were missused to make up payments for the canceled loan. XXXX has removed the loan. XXXX XXXX has no record of the loan. But u dont care. U only side with a comment from a corporate employee and continue to cause me sever emotional distress intentionally or and negligently. Prove the ins was paid. Prove the lender delivered 2 cancel docs required by law EVER!!! I still have three days to cancel and I did and u know it and just disregard my rights and interest recklessly and cruelly. 
U are cruel.

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