BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
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: Was not notified of investigation status or results

Complaint:
This Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the inclusion of an account on my Equifax credit report that I believe is fraudulent and to assert that I have no ownership or original contract agreement associated with this account. I have reviewed my credit report obtained from your bureau and discovered the following account : Creditor Name : XXXXXXXX XXXX  Account Number : N/A I would like to clearly state that I have never entered into any contractual agreement with the mentioned creditor nor taken out any account with them. The information provided is incorrect and does not pertain to me in any way. I have conducted a thorough review of my records and have found no evidence of any association with this creditor or account. 

Considering the lack of ownership and original contract agreement, I request that you conduct a comprehensive investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I kindly ask you to take the following actions : 1. Verify the accuracy of the information associated with the disputed account.

2. Provide me with any documentation or evidence that substantiates the existence of a valid contract or agreement.

3. Remove the fraudulent account from my credit report as it is tarnishing my credit history and causing unnecessary harm.

I would also like to request that you provide me with a written response detailing the results of your investigation, the actions taken to resolve this issue, and an updated copy of my credit report reflecting the removal of the fraudulent account.

Additionally, I have taken the liberty of attaching supporting documents that further demonstrate my lack of ownership or association with the disputed account. These documents include [ documents, such as identification documents, proof of residence, insurance bill, police report, FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Aidvantage student loan company was directly involved with my concern. I filed bankruptcy in XXXX included the student loans as part of the bankruptcy. I sent it out undo hardship letter to the bankruptcy court, and directly to the lender. My Bankruptcy was discharged back in XXXX as a dis charge. I read an article XX/XX/XXXX that Aidvantage bank was not granting Bankruptcy discharges as a matter of clearing the debt with the student loans. Per the instructions I needed to file a complaint. My student loans was {$81000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: PA
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 an account from XXXX XXXX XXXX opened XX/XX/2022 is showing inaccurate information on my XXXX credit report. Please update correct information under 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account reporting inaccurate information is keeping my credit profile stagnant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of selling my home. I have reached out to my mortgage lender multiple times to better understand my mortgage terms. I've called three different times and have received different answers. To validate terms in writing, I was given an email. I have emailed them four times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. I am simple trying to understand if my loan is assumable. 

Lender : Ally Financial Email : 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent dispute to all XXXX credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each XXXX, Transunion, and XXXX rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an XXXX ( XXXX of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( XXXX ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This XXXX is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This XXXX is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.

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 2021-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. MBNA AMERICA AMERICA BANK was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX  that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. 
Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
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:
Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: Insikt, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Lendify Financial is reporting an account in my name that was deemed not mine when I settled this with one of there representatives a while back they couldnt furnish proof that this was mine and therefore under the fair credit reporting act this is not supposed to be back on my credit when they removed it the first time now its back again on my XXXX  report and not on my XXXX  or XXXX  credit report this is inaccurate credit reporting and shouldnt be on my credit anymore and want it removed immediately

Company response to consumer: Untimely response
Consumer complaint received 2024-01-22
Company: BARCLAYS BANK DELAWARE
State: TX
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:
This is regarding CFPB complaint XXXX. Due to be Barclay 's negligence and incorrect reporting in accordance with FCRA regulations, I have moved forward with getting an attorney to sue your company. Your response to the aforementioned complaint was that you sold the account and then repurchased it due to it being out of the statute of limitations according to the third-party vendor. The complaint in itself was to make you aware that it was obvious that this debt is uncollectible due to the statute of limitations, and you still have a balance of {$1100.00} reporting on a closed account that has been uncollectible since XXXX. In your complaint you stated that in XXXX, the account was recalled. Even still, the statute of limitations is 4 years in the state of Texas, and you are still reporting inaccurate data and trying to collect this alleged debt. This complaint is to make your XXXX aware that I will be seeking litigation due to your clear and obvious gross misconduct. Furthermore, there was never notice sent to me years ago that this account was being sold. I never received a 1099c form which is illegal, and I was informed be the IRS to file form 3949a for illegal tax violations. The following account XXXX should be removed from my credit report IMMEDIATELY. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617 and I will be moving forward with the filing of form XXXX  as advised.

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 2023-10-04
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
The loan is transferring from XXXX XXXX XXXX XXXX to XXXX XXXX. Attempted to make payment XX/XX/2023. The website says that I am unable to pay until XXXX. Most everyone 's loan is due on the first. They say no late fees, but this is still costing interest daily. Multiplying the interest everyone is forced to pay while they transition including mine is not right. They should have been ready to receive payments-they are a servicing company. I should not incur extra interest due to them not being ready to accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: AR
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:
On XXXX XXXX I sent Equifax and dispute regarding inaccurate accounts reporting on my consumer file. As of XXXX XXXX I have not received any correspondence regarding my dispute and Equifax now has violated 15 USC 1681i ( a ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i ( a ) 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
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 balance transfer

Complaint:
I've called XXXX spoke to a customer rep XXXX on XX/XX/XXXX regarding a refund of {$1200.00} sent from XXXX credit card XXXX with trace # XXXX on XX/XX/XXXX to BMO Harris Bank XXXX no one called me back after XXXX hours, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the reps XXXX XXXX XXXX and another lady ( forgot to ask her name ) told me that they did not know what to do and hanged phone call on me. 
I called again on XX/XX/XXXX with a conference call with XXXX credit card XXXX XXXX, was able to reach out to XXXX at XXXX ; however, XXXX said that she's unable to allocate the refund of {$1200.00} and that she would have to spend anotehr XXXX hours to reach. 
I would like to reqeust BMO Harris Bank to locate the refunds of {$1200.00} via their master car bill processor and adjust the 4 % bank transfer fees of $ original amount of {$2400.00} to XXXX, which is {$49.00} fee adjustment back to my credit card ASAP.

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 2024-01-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I received an alert from the credit card company Barclaycard US that potentially fraudulent transactions had been charged to my account. I logged into the app to check recent transactions and confirmed that the pending charges were not purchases I had made. I also noticed another transaction from a week prior, XX/XX/XXXX that I had not made. I immediately called the company and confirmed that the flagged transactions were fraudulent and that the other transaction from XX/XX/XXXX was also fraudulent. This transaction was from a merchant called " XXXX '' in XXXX  and was for {$2500.00}. The XXXX transaction, as well as the other fraudulent charges, were reversed. My current card was cancelled and a new card was mailed out. 

This month, on XX/XX/XXXX, I was checking my transactions in the app when I noticed that the XXXX transaction had been charged to my account again on XX/XX/XXXX. I immediately called the company and was notified that they had determined that I was at fault for the transaction based on records that the merchant had provided. I was never contacted for details about this transaction, nor to confirm or dispute the supposed evidence the merchant had provided. This charge was indeed fraudulent. I have never purchased anything from this merchant, and have not received any goods or services from this merchant. During this phone call with customer service, I requested that any documents they used to make their determination be mailed to me. As of today, XX/XX/XXXX, I have not received anything. Additionally, I was told that this case would be re-opened and reinvestigated, however the charge is still on my account, and I am being charged interest on this charge, for which I am not liable.

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 2023-02-14
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-07-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Social security sends both of my checks to my savings account and not a checking account and Wells Fargo bank knows where my checks are deposited in a savings account not a checking account. I have been with Wells Fargo bank going on 3 year 's and like I been telling you all about Wells Fargo bank. Now just yesterday they told me that I don't have a savings account with them and they know that is a lie and I would like to say to you all that after going on 3 year 's having my checks directly put into my savings account and not a checking account I always called them I don't know how to use online banking and I never authorized Wells Fargo bank to sign up for over draft protection. And then after going on 3 year 's if there was a fee that needed to be paid i called them and told them to take {$10.00} out of my savings to pay that service fee that they said that I owed. I never gave them the authorization to sign me up for over draft protection and neither did I authorized them to charge me {$290.00} cents to pay into a checking account. Now it's becoming really clear on how Wells Fargo bank was sued opening up fake accounts forging people name on documents and taking advantage of consumer 's that are XXXX and are on a fixed income and people trust Wells Fargo bank to protect not only my account but others consumer 's accounts as well. And Wells Fargo bank is opening up accounts with out the consumer 's permission. But Wells Fargo bank is still taking advantage of consumer 's. And people are struggling just to make ends meet and we are in a pandemic. And taken money from consumer 's just to make them rich. I have notified law enforcement about all of these issues. And I done what law enforcement told me to do. I must say that Wells Fargo bank has also been sued for discrimination numerous times. And having their bankers to open up accounts with out the consumer 's permission. If Wells Fargo bank has did these things to the consumer 's they are doing these things to the bankers at Wells Fargo bank. These things needs to stop.

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