BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: Experian Information Solutions 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:
On XX/XX/XXXX the XXXX XXXX started and I was evacuated from my home fearing my life and not knowing whether i would have a home to come back to. I was evacuated for several weeks living out of hotels and accruing costs for food and housing that was completely unplanned.Unfortunately with all the chaos going on I fell behind in some bills. I contacted XXXX XXXX to let them know my situation and to make a payment arrangement. At the time my account was already past due. I pleaded with them my situation since prior to this my account was always in good standing. They refused to remove the late fee. I was not able to occupy my home until XX/XX/XXXX. Other credit card companies have been willing to work with me. I noticed that I know have a 30 day late notice on my credit report. The only negative mark on all of my 6 credit cards, car loans etc. I disputed it on my credit report and still they are reporting the information as accurate. They have now lowered my credit limit. After increasing my limit on XX/XX/XXXX to {$15000.00}, they have lowered my credit limit following my dispute to {$1600.00}.

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2023-11-03
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX However, Theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. ( Account 's showing open and closed at the same time ) According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete account 's if it they are not reporting accurately. Also. 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. Lastly, these accounts arent in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. If your company doesnt honor my request to remove the above-mentioned alleged accounts, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
See attached correspondence dated XX/XX/XXXX, by XXXX XXXX. In their letter, XXXX XXXX alleged that the original Lender XXXX endorsed the note to Countrywide Bank N, A, who later filed an insurance claim on XX/XX/XXXX. A closer look into the note reveals that the original lender homecomings never endorsed the note to Countrywide Bank N, A. The note reflects two false and forged endorsements. The note reflects an allege endorsement from XXXX XXXX XXXX to Countrywide Bank, N, A. This endorsement is false because XXXX XXXX is a defunct corporation since XX/XX/XXXX, The birth of the loan was on XX/XX/XXXX, which means that XXXX XXXX could not have endorsed the note to Countrywide Bank N, A, because they had closed for business 6 years BEFORE THE CREATION OF THE NOTE ON XX/XX/XXXX. How can a company who no longer exist and closed able to make an endorsement????? How???? How is it possible????? Only by engaging in fraud. Countrywide could not have made an insurance claim on XX/XX/XXXX, because Countrywide ceased to exist as a Corporation since XX/XX/XXXX. At this juncture we are asking countrywide to explain how the endorsement from a defunct company ( XXXX XXXX XXXX was able to name them on a note???? How is this possible when the lender closed on XX/XX/XXXX, before the birth of the loan on XX/XX/XXXX????? What came first XXXX or 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 2021-01-09
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:
There is currently an account and numerous inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-12-29
Company: EQUIFAX, INC.
State: CT
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX from XXXX XXXX XXXX called on XX/XX/XXXX at XXXXXXXX XXXX  and XX/XX/XXXX at XXXX XXXX. I asked several times if he could send me my running balance with complete payment history and several times he said he didn't have it or couldn't provide one. I called Ally Financial the original debt collector and they weren't able to provide a running balance with payment history either. On both phone calls, XXXX said I would get charged more fees and interest, even though my credit report said it has been Charged off since XX/XX/XXXX. I feel like XXXX wasn't forthcoming or honest it took us going back and forth before he could send a partial history. It was not fair and it is my right to get this information since I'm questioning the balance due. I felt like it was hard enough to pay down my balance but then to be told that if I don't handle the balance right then, that I would be charged additional fees and interest is very disheartening and mentioned that I could also be sued for the balance.

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 2023-11-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Good Afternoon, On XX/XX/22 I received an email stating the next step for my application. I begin calling Wells Fargo- they insisted and tried to downplay the matter telling me they would help to close the account BUT THEY COULD CLOSE ACCOUNT UNTIL IT WAS COMPLETED TO BE OPEN. I received many emails ( attachments enclosed to this complaint ) over the next couple of days and mail from Wells Fargo concerning opening my new account. I am also so careful about someone obtaining my personal information in the past. I thought I used the upmost steps to stop this from happening in the past! When I understood the account opened was fraud, I was so distraught! - I DECIDED TO SCHEDULE AN APPT WITH A THERAPIST! I'm still in therapy! It's not a good feeling to know you are so careful to NOT let this happen and find out the an actual Corporate Bank did this to you. Who now can you trust! Wells Fargo hurt other clients in the past with other deceptive practices- when will it stop! I called and called Wells Fargo- I called Wells Fargo , no one ever called me. Customer Service Rep only tried to downplay the seriousness with the matter- I was so agiated and upset once off the phone. How do I keep myself positive this will not happen again? Please help! 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 2023-11-03
Company: EQUIFAX, INC.
State: CA
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 XXXX the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to work with my lender XXXX ( XXXX ) about my PMI insurance. The company absolutely refuses to eliminate my PMI NO MATTER WHAT prior to the year XXXX. I currently owe XXXX on a home worth XXXX ( Their estimate ). 

Please let me know if there is anything that can be done, they are extremely rude about it. 

My cell is 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 2023-04-28
Company: EQUIFAX, INC.
State: NJ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
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: 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:
There is an inaccurate account on my credit report with Experian for XXXX. I have sent both the Experian and XXXX a letter requesting an investigation of this debt but it appears that the bureaus has failed to conduct an actual investigation into this error. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from 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 explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: GA
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:
To : { XXXX, Equifax, XXXX, XXXX to include any other reporting agency! } Subject : Request for Removal of XXXX Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been DISCHARGED by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my XXXX loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of XXXX XXXX records. As my XXXX loan debt information may fall under the purview of XXXX, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a XXXX borrower. 
2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from XXXX before disclosing their education records. If my XXXX loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly. 
XXXX. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of XXXX records, I kindly request that you investigate the reporting of my XXXX loan debt and take necessary actions to ensure that my rights under XXXX are upheld. 

I request that the Consumer Financial Protection Bureau review the reporting of my XXXX loan debt in light of FERPA and take appropriate measures to address any potential violations of the law. 

Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required. 

I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed. 

Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have not yet contacted the company about this issue because a brief XXXX search shows that I am not alone. 

I have been logging into my Nelnet account on multiple devices and following a forced upgrade that depreciated their app, every time I log in, I get an error screen stating that payments can not be loaded. 

I am unable to complete the process of making any payments, including paying in full or partially. The entire screen showing my payment information seemingly does not react to any clicks or taps. I am perfectly happy to pay my bill ( I mean, not *happy* about it, but capable of doing so ) but I will not be happy if I end up past due because of their website not functioning for several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXX XXXX, This information should be added to consumer complaint id : XXXX. 

Wells Fargo stated in the news cyberhackers obtained information creating random accounts from no known information, THAT IS NOT CORRECT. This was Wells Fargo doing- I had a car loan from Wells Fargo back in the early XXXX Wells Fargo repossessed the car- THIS IS WHERE WELLS FARGO GOT MY INFORMATION TO OPEN ACCOUNT 'S WITHOUT MY ACKNOWLEGEMENT. I'VE NEVER HAD ANY ACCOUNTS WITH WELLS FARGO- THIS THE ONLY WAY THEY KNEW MY INFORMATION TO SETUP ACCOUNT ( S ). 

Thank you, 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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.

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 2023-09-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I received a phone call from 5/3 bank that activity had occurred on my account that was flagged as fraudulent. They told me that somebody used my license ( a license that was stolen when my car was broken into earlier in the year and a police report was filed ) at a 5/3 bank branch which resulted in my entire account balance being withdrawn. I asked why somebody who is not me was able to use my license at the branch and they informed me that the bank teller made a mistake because she was, at the time, in training! They apologized and assured me that it would be resolved. 

Over the following months, I spent hours on the phone with the bank with no resolution. I told them that ALL activity after XX/XX/XXXX was fraudulent - fraud that was only allowed to occur due to THEIR mistake. The resolution would have been to restore my account balance to it's previous status on XX/XX/XXXX. There were multiple fraudulent activities performed at the bank by the scammer, 3 to be exact, and after many months, I learned that 5/3 bank had only resolved 2 of the 3 fraudulent charges. The result was that my bank account, now deemed " resolved '' by 5/3, was overdrawn and I was being charged overdraft fees. Eventually, they sent the overdraft fees to collections and I started getting collections calls. I finally escalated the case to the " Office of the President '' at 5/3 who was able to stop the collection and negative XXXXredit score effects. However, now I am two months into working with the " Office of the President '' at 5/3, and I still have not received my money back. They are still " investigating ''. 

To me, it is as black and white as any case can be. 
One day, I had around XXXX $ in my account. 
The next day, a scammer used my license stolen ( reported officially in a police report ) months prior at a 5/3 bank branch to drain my account, allowed by a trainee bank teller. 

I can not begin to express the burden this issue has had on me, emotionally, financially, and time-wise. This fraud was fully at the fault of the company who for some reason, has been unable to resolve and refund my bank account the XXXX $ that is mine. At this point, 5 months later, this money has been stolen from me by the bank, and I have been robbed the opportunity to invest that money.

Company response to consumer: Closed with non-monetary relief