BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: TX
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:
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 U.S.C 1681. 
Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has Violated My Rights. 

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 " States A Consumer Reporting Agency Can not Furnish an 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 by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States 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 explanation
Consumer complaint received 2023-04-10
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:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts.

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been receiving repeated calls ( 7-10x a day ) from this company. I asked them to stop calling but they continue to harass me. On XX/XX/XXXX, I received notification that there is a debt on my credit report. When I go to check the collection, it says that I opened an account in XXXX for over {$13000.00} and that there was recent activity in XXXX. I have never spoke to these people, nor have I received any opportunities to dispute this debt. I feel that my rights have been violated as I have not even been presented with documentation of when this debt was created and Im certain that I did not create new debt in XXXX outside of the purchase of my home. I am asking that this be deleted from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
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:
An account was opened in XXXX of XXXX  and it was certainly not opened by me. I just discovered the information on my credit report and I called Experian and XXXX XXXX XXXX XXXX XXXX about it. I was told that I needed to file this report with the FTC before any action can be taken. So please assist in keeping this fraud from impacting my credit further. 
Thank you

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 2023-03-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As I said, before I open my checking account in XX/XX/XXXX and may be eight months later Wellsfargo close my account saying that I had some type of fraudulent disposition in my account I appealed it and you all will send him back asking me about the check nobody never said nothing to me about no check me disclose my account and in XXXX they open my account sent me a letter to open my account {$500.00} I was XXXX XXXX XXXX then Im XXXX XXXX XXXX now Ive been with you all for nine years. You all just denied my claim asking me about the check! It was never A Check! Wellsfargo! Just Closed! you are never said nothing about no check! you know why you are close my account in XXXX like I said you are sent me a measley! ( {$500.00} )! 
That was not enough conversation and over the years since Ive been with you all this overdraft this overdraft is really terribly in the last year so I should be paid. I just had a situation where a somebody I didnt give permission and they told me! They were giving me {$190.00}! But I Only Received! ( {$130.00} ) Im A XXXX Citizen! XXXX Yrs XXXX Social Security! XXXX total ( {$930.00} ) Youve just denied me because you say something about a chick you are never said nothing about a check to say fraudulent activity close the account a year later gave me a measly {$500.00} and the last two years you are probably from overdraft.! Owes Me! XXXX knows how much.! 
I want to be compensated for the year that you all close my account saying something about some fraudulent. No I dont have no check to show you because you didnt ask me for now. Check you just close my account and for my overdraft so I should be compensated.At Least! ( {$2500.00} )! 
I should have been hearing back from you all on XX/XX/XXXX, but two weeks though you are denied it say, asked in about a check it wasnt about a check up you close my account for fraudulent activity youve been overdraft me! Lots If ( {$35.00} )! and messing up my money for! Last ( 18 ) Months! 
Overdraft Fees! I should be compensated for you all close in my checking account dont ask me but no check because all you all day it will see it fraudulent activity and the overdraft so I will continue to complain until I am compensated. Thank you.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified ITEMS listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2017-11-09
Company: POPULAR BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a recurring automated debit to my account that had insufficient funds for an error at another financial institution, however my issue is with Banco Popular Community Bank  notification communications and fee policy. 

My sole monthly automated transaction in this account is in the amount of {$110.00} which then overdraw my account and was returned on XXXX/XXXX/XXXX The bank has since charged me a total {$98.00} in fees since, and I am receiving my first notification via direct mail today ( XXXX ) and it is dated XXXX. 

This seems abusive and excessive especially since the bank has both my email and mobile number. I can understand one fee of {$34.00} for being overdrawn once! But the daily {$5.00} fee when they are sending direct mail and additional {$34.00} of the company 's second attempt totally {$98.00} is abusive, especially given that I am only receiving notification of this on XXXX. I would have rectified this situation immediately if I were properly notified of the issue, as I will be doing today. 

I only have an account with this bank as my XXXX speaking parents find it easy to bank with them. As such, I am aware that this bank target customer is XXXX speaking customer, and I find their practices and policy to be malicious and ill intentions as they are expecting their customers to not be aware that there are agency set in place to protect them such practice. This is not the first time I have issues with their practices but its the first time I am filing a formal compliant. The fees in total are nominal to me but this bank has unfair practices and policy and are taking advantage of their customers base. There are technologies available to allow the bank ( or any company ) to communicate to their customers for required notifications. This should be a use case ( along with many others ) of what would quantify as a required notification with a customer 's available contact information ( email and direct snail mail ). Its XXXX, not XXXX where email and internet were brand new. I believe an audit is more then warranted and Banco Popular Community must be held responsible to step up, as many banks have done with proper notification of required information. There should be no excuse!

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 2023-10-25
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2022-12-26
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:
The unverified ITEMS listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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 with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wrote Bank of America on XX/XX/XXXX to put my account in a billing error for {$10000.00}. Haven't heard nothing back from them. Then I wrote them again on XX/XX/XXXX, asking requesting the same thing. Still haven't heard anything. Per my statement, I am putting in a billing error dispute. The error I notice is for the balance of {$10000.00}. According to 12 CFR 1026.13 I should not see any adverse reaction such as requesting a payment while a billing error dispute is active, adverse credit reporting, acceleration of debt, and restriction of account in any form. If any of these actions or any action according to 12 CFR 1026.13 happen I will sue in Federal Court, reported to the SEC for securities fraud, and report to all administrative enforcement under 15 U.S. Code 1607

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 2022-12-26
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied via fsa for the SAVE IDR plan for Mohela. I realized that my classes were going to start after my first payment was due. I applied before my first payment was due. I submitted on XX/XX/XXXX. 

I called mohela about a week later to make sure that it was okay, and that their taking a long time to decide wouldn't effect my repayment should I be denied or accepted. The rep told me she sees the pending application and should I be accepted or denied, I will not be penalized by being past due, period, and since I'm starting classes again it should be fine. 

Today, XX/XX/XXXX, I recieved a bill in my email stating I'm past due since XX/XX/XXXX. 

My SAVE IDR plan was approved for XXXX dollars for 12 months on the XXXX of XXXX. 

I called today, XX/XX/XXXX, and waited on hold for almost 1 hour and 45 min. I was then on hold in 2 min intervals with a rep trying to see if she could put in some kind of request on my account, and that I should not have recieved a past due bill for another 45 min. 

The rep finally came back and said she got in contact with someone who could answer, and that another brief hold was necessary. I said sounds great, thank you! And then there was silence, the hold music played and the line disconnected. 

At the start of the recorded call, I was asked to confirm my phone number, and then was asked if the line were to disconnect can they call me back. I gave a very enthusiastic " yes please '' it has been over 45 min since then and I have recieved crickets. I am on hold again with them now and beyond frustrated with their abysmal service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: PA
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 informed the credit bureaus that the address on the account was not mine and keep reappearing.

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 2020-10-28
Company: MEGASTAR FINANCIAL CORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX paid additional principal I have to call in to verify that principle was paid. 

XXXX paid additional principal, mortgage company received money and returned the payment. 

XXXX paid additional principal, company did not decrease mortgage balance. Balance remained the same. 

XXXX paid additional principal, principal balance not reduced, payment applied to a suspense account. 

I am NMLS licensed XXXX and this company fails at any form of servicing competency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a payment of {$2000.00} in my account I withdraw {$2500.00} and got locked out of my account and then my account got closed still haven't gotten a refund

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 2021-07-22
Company: Mid-Atlantic Finance Co., 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: Investigation took more than 30 days

Complaint:
Mid Atlantic Finance company has not reported my two paid off auto loans to XXXX  credit bureau They have reported them to XXXX and XXXX  but not XXXX. 

It has been one year of me emailing Mid Atlantic management employees XXXX XXXX ( XXXX ) I have been told over and over the next month the two paid off auto loan account numbers XXXX and XXXX will report to my XXXX  but they still have not. 

It is unfair that I paid off 2 cars 100 % on time payments but am not getting credit for it by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Checked my loan status in XXXX to prepare for repayment. Submitted my borrower defense application & submitted my SAVE application to prepare. I chose to have my loans put into forbearance while my application was in process. On XX/XX/XXXX & XX/XX/XXXX I received an email notification stating that a forbearance was put in place on my loans. Upon checking i did show that no payment was due. On XX/XX/XXXX, the forbearance had been removed and a payment was still showing due. I sent a message through the online portal for review. On XX/XX/XXXX, I logged into Mohela and my account status still showed a payment due despite receiving a reply from my online message regarding the forbearance which was still not showing on my account. I contacted XXXX on XX/XX/XXXX who stated that they couldn't understand why my forbearance was not applied & they were going to escalate the issue. I contacted them again on XX/XX/XXXX due to no resolve. I also sent another online message which I still have not received a reply from. I contacted Student Aid who did resend the forbearance notification to mohela on XX/XX/XXXX & today my payment is still showing due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

Company response to consumer: Closed with explanation