BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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 USC 1681. 

There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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. 

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

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 2021-02-07
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
Attached I have responded to the " American Express Fraud Operations '' regarding correspondence sent XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was due to be paid in XXXX. I had a Tax bill issues XX/XX/XXXX that had a due date of XX/XX/XXXX to be paid out of Escrow. There were sufficient funds for this bill. As previously discussed with a Wells Fargo Mortgage specialist I arranged that I would call XXXX to expedite the payment of the Tax bill in order that I could get a Final Payment Quote and make the final mortgage payment. Wells Fargo would then forward the Escrow balance to me. 
I discovered today that Wells Fargo used funds from MY Escrow account to pay off my Mortgage on XX/XX/XXXX, which is 23 days early. I gave no such permission for Wells Fargo to use my Escrow funds in this way and they did not contact me to ask permission or tell me that they had no intention of paying the Tax Bill on my behalf. They are also arranging to mail me a check for the balance of the Escrow amount 15 days from the date of pay-off. Had I not chosen today to contact Wells Fargo, as previously discussed with the bank I would have been unaware of the situation and could have defaulted on my Tax Payment. I have now had to contact the County Auditor to have a copy of my Tax Bill mailed to me so I can make the payment on time. 
I have always understood that an Escrow account was the property of the customer, and the funds were managed by the loaner to pay bills from agreed sources and when necessary refund any balance to the customer. My Escrow funds have been misappropriated to pay mortgage payment early ( over 3 weeks early ) whilst neglecting to do anything about a bill that they were contracted to pay.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1995 Balance : {$21000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-28
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-31
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:
Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong to me.

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 2023-11-28
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was laid off from my employer on XX/XX/2023. I contacted XXXX regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted XXXX and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the XXXX XXXX XXXX XXXX XXXX XXXX  and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' XXXX to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity. 

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. I went through bankruptcy and noticed the accounts that were disputed in my bankruptcy are still showing on my report. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
I definitely feel this is a negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX The following addresses are not mines please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 
( 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 explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CT
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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: Problem with personal statement of dispute

Complaint:
How is this reporting accurate when the date of last activity is different on each bureau, I seeing 3 differnt dates reporting. Please send me proof of validation and conduct a proper investigation on my behalf. what WAS the method of verification that you used. Did you send a dunning letter before you reported inaacurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
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:
My federal student loan servicer is Nelnet. I have had the absolute worst experience with this company. I have called 3 times and have received misinformation from the call center representatives on all occasions. I applied for SAVE on XX/XX/XXXX. I received an email confirmation from FSA that my application was processed. Even when I login to my FSA account, it shows that the loan servicer has reviewed and processed my application on XX/XX/XXXXXXXX  and it's now considered 'Closed. ' However, when I log in to my Nelnet account it showed my repayment plan was still 'Income Based ' which was the initial plan I applied for on XX/XX/XXXX. So even though they processed my SAVE application, their system did not update the status. Due to this error, I have since accrued capitalized interest on my loans since XX/XX/XXXX. I called Nelnet on XX/XX/XXXXXXXX  and was told by the rep that only my IBR application processed and that the SAVE application is still processing ( even though it had been over a month since I applied ). The rep stated since I applied on XX/XX/XXXX, that Nelnet would backdate the interest and therefore, all the interest that had accrued since XX/XX/XXXXXXXX  would be removed. She assured me of this! I did not feel confident in her response, so I called again on XX/XX/XXXX and spoke to XXXX. She stated she sees my SAVE application still in processing but wanted to make sure, so she placed me on a lengthy hold to speak to a supervisor to confirm. She then returned and stated that my SAVE application will be processed any day now and that nothing additional from me is needed. I gave it another week and still nothing processed. So, I called again on XX/XX/XXXXXXXX  and immediately requested a supervisor. I spoke to XXXX, who stated he's a supervisor. He reviewed my application and stated they needed my most recent paystub and that was the reason for the delay. NO ONE else told me this. The prior two reps I spoke to said nothing was needed and that it would process, and all interest will be backdated and now I'm being told by a supervisor that they need my paystub. I immediately uploaded my most recent paystub to their online portal. XXXX stated it should process by Wednesday of next week since my application has been pending since XXXX and they process in order received and my application is considered older. It's been 10 days since that phone and still NOTHING has processed. I am absolutely furious at the customer service I have received. Clearly, no one at Nelnet has any knowledge and just gives their customers misinformation. As of XX/XX/XXXX, my loans have accrued {$300.00} in interest since interest restarted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This isn't from a store. It's from a bank called fifth Third Bank. 
During the Pandemic, I am on unemployment and collect a partial retirement check. Now this amount has not changed for approximately a year. The unemployment is XXXX every two weeks and my partial retirement is XXXX. Unfortunately, my bill also has not changed. Therefore, on a regular basis I was borrowing money to meet my financial needs. 

Therefore, I applied and was approved to receive XXXX dollars in advance of which I have to pay back. This is unfortunate and since the pandemic an on going situation. Therefore, when I receive my XXXX it automatically goes my " XXXX XXXX XXXX XXXX ''. Therefore, they deduct XXXX from the XXXX that I owe. which leaves me with a balance of XXXX. Now, what I normally do is borrow the XXXX back to add to my checking account. Then can use my unemployment to pay bills. 

Unfortunately and periodically, they would change the amount that I can borrow. They would bring it down to XXXX. Therefore, when I get my usual unemployment money they still have the outstanding amount XXXX. Which would then be deducted from the XXXX unemployment amount. Which will leave me the usual amount XXXX. But, they will add XXXX plus XXXX to equal XXXX which my new balance. Then would calculate that I would not be able to receive back my usual amount of XXXX. Instead, I can only borrow XXXX. Therefore, I am out of XXXX. This money is badly needed to pay my bills. 

So what's the problem? 

1. I regularly receive the same amount each month. So, why is this bank periodically changing the amount I can borrow? If my income was fluctuating then I can see the fluctuating approval amount. But, I still receive XXXX every two weeks and XXXX once a month. 
2. They automatically take my money and hold it for two days before it's credited to my account. If the money comes on a Friday I usually have to wait until next week Wednesday or Thursday before I see my money in XXXX XXXX Account to borrow XXXX 

3. When they lower the amount that I can borrow, what happens to the rest of the money? I get no statement showing where that money went. It just disappears. I have lost a lot of money and no accountability to what happened to this money. 

4. I have no control of my money once it hits this bank. I would like to have a payment plan to periodically pay off this loan. Instead, all my income is pulled and some of it I can borrow. 

Fifth Third Bank Address : XXXX XXXX XXXX, XXXX Fl XXXX Head Loan coordinator XXXX XXXX email XXXX 53.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$600.00} to my brother through bank of Americas XXXX transfer service to his phone number that is linked to his XXXX XXXX account. The money was placed on hold by Bank of America for around a day. It then said that the transfer was completed. However, he never received the money. He also never received a text or email asking him to accept the transfer. He checked in both his bank app and his XXXX  app to ensure the phone number and account were correct and there was no evidence of any transfer request. I tried sending him a smaller amount to the same number and it completed with no problem. I initiated a dispute through Bank of America after waiting a week at their advice. They said they would look into it. The dispute never showed up in my open disputes menu, so I had to call them every time I wanted to check its status which I did around three times. Eventually I got a letter saying that the dispute was rejected but that they had contacted his bank to continue the investigation on their end. He then called his bank and they said they have not been contacted by Bank of America regarding this matter. They dont have any record of the transfer or the money in relation to his account.

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 2021-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX keeps showing a Collection account under the name portfolio associates which is for XXXX XXXX for the amount of {$870.00} which is not mines and has been removed from my XXXX  and XXXX account but XXXX has yet to remove it.

Company response to consumer: Closed with explanation