BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to Equifax, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I participate in the Revised Pay As You Earn payment plan for my student loans serviced by FedLoan Servicing. On XX/XX/XXXX, I received notification that I was required to re-certify my annual income and I filed a timely recertification using studentloans.gov the same day. Nearly 60 days later on XX/XX/XXXX, I received notice that my re-certified payments were calculated at {$69.00} per month. I immediately realized that FedLoan Servicing incorrectly calculated my payment and I contacted Fedloan Servicing in writing by using the form on the Fedloan Servicing website on XX/XX/XXXX. I received no response from Fedloan Servicing based on my written complaint. On XX/XX/XXXX, I called Fedloan Servicing to complain my payment had been incorrectly calculated. FedLoan servicing acknowledged that my payment was incorrectly calculated because a FedLoan Servicing employee erroneously processed my application with a family size of one rather than two, and ignored my husband 's student loans when calculating my payment. FedLoan Servicing acknowledged the correct payment amount was {$10.00} per month and agreed to correct the error. I followed up by phone three more times and on each occasion was told my payment would be reprocessed within 7-10 days. Today, XX/XX/XXXX I called again to inquire as to whether my payments had been correctly re-calculated. FedLoan Servicing indicated my payments had not been re-calculated and was told that FedLoan Servicing could not re-calculate my payment scheduled for XX/XX/XXXX because I contacted them too close to the due date and was told the issue would be corrected effective in XXXX. I repeatedly requested I be billed the correct payment of {$10.00} for the month of XXXX as required by Federal Law and FedLoan Servicing refused. FedLoan Servicing 's refusal was never based on the premise that the {$69.00} payment was correct but rather that they could not or would not fix the payment in their computer system. I still have not received written confirmation that my payments have been corrected going forward and I suspect they have not been corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
between the dates of XX/XX/XXXX and XX/XX/XXXX I had my wallet stolen and my Bank of America XXXX card was used fraudulently for multiple transactions. During this time period I was incarcerated and was not the one who used my card. The transactions are as follows : XXXX XXXX -XXXX : {$24.00} XXXX XXXX- XXXX : {$4.00} XXXX XXXX - XXXX XXXX Market : {$8.00} XXXX XXXX - Bank of America XXXX {$900.00} XXXX XXXX - TXXXX : {$100.00} XXXX XXXX - XXXX XXXX : {$23.00} XXXX XXXX - XXXX XXXX : {$13.00} XXXX XXXX XXXX XXXX : {$2.00} XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX {$3.00} XXXX XXXX - Bank of America XXXX {$980.00} XXXX XXXX - Bank of America XXXX {$340.00} Spet. XXXX - XXXX : {$5.00} XXXX XXXX - XXXX XXXX XXXX : {$8.00} XXXX XXXX - XXXX : {$5.00} XXXX XXXX - XXXX : {$2.00} All of these transactions have been reported and denied by Bank of America XXXX XXXX XXXX. I sent in documentation proving i was incarcerated during this time. The documentation showed my release date of XX/XX/XXXX and that I had served XXXX  days in custody. After multiple filings for reconsideration the bank continuse to deny my claim.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account 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 2022-11-05
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:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX. I believe it was reported in error. 
XXXX XXXX XXXX : {$160.00}

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 2016-10-21
Company: IMC Capital, LLC
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX sent me a credit card in the mail claiming " Here is your new XXXX Card '' with a credit line of $ 150XXXX. They put my name and my company name on the card. The card had a " call now to activate '' sticker on front, just like a new credit card would have. Neither I nor my company requested a card or line of credit. When I looked on back of the letter in fine print it said, " This is not an offer of credit. We reserve the right to verify your financial information and confirm your credit worthiness. Includes but not limited to verifying banking and credit info. I believe this is a ploy to get you to give your info over the phone and they prey on unknowing people who trust the mail they get.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-05
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a secured credit card for {$1500.00} in XXXX at Navy Federal Credit Union by choice. I qualified for a unsecured card but chose to get a secured credit card. On or about XX/XX/XXXX I got XXXXXXXX XXXX XXXX XXXX XXXX and has been XXXX  since. I was in good standing with my card then which was secured by my checking and savings accounts. 
Someone began using my card without my permission and Navy Federal switched my card from secured to unsecured and increased the amount to {$2000.00} without my consent. The card was maxed out and left unpaid. Navy Federal then put it on my credit report and that's how I found out.

I contacted Navy Federal and told them I dispute it bc I never consented to switching to unsecured nor a limit increase. Navy Federal said it was in my terms and conditions when I got the card. I disagreed and asked for a copy of the term and agreements. Navy Federal has failed to produce such. Instead it has continued to make a false reporting.

I also asked for a audit of my account to see if Navy Federal did a tax write-off on my account but Navy has failed to respond. I also asked for proof, date, when Navy released my security {$1500.00} back to my account and was not given such. Therefore, I can not be held responsible for anything done after {$1500.00} or after I was XXXX  on XXXX XXXX. There should have never been a balance increase to {$2000.00} Navy Federal has violated several FCRA laws. 
The forcing of me from a secured credit card to a unsecured credit card is against the law. Those are two different contracts with different rates, restrictions, and etc. Just like the stuff XXXX XXXX did. 
This must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. Bankruptcy XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. Inquiries 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 I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent money using the Western Union mobile app on XX/XX/XXXX for {$460.00} and the tracking number was XXXX. I was assured by the legal disclaimer provided post transfer that the money would reach the recipients account on XX/XX/XXXX. This however never occurred and then on XX/XX/XXXX I requested a cancellation of this transaction as was my right per Western Union policies and I was given notice that my funds would be redeposited into my account within 7 business days. That time came and went and I reached out to Western Union via phone to lodge an escalation and they alluded to this being routine and assigned me a case number XXXX and assured me theyd follow up within 48 hours. Well as you can expect, 48 hours came and went and no one contacted me so I reached out again and this time I had 3 customer service agents hang up the phone on me and by the time the 4th one picked up my call she said that one of the past agents had my case open and shell be unable to help me for 20 minutes. Firstly, I work at a bank and that policy is absurd. Its now been about 3 full weeks since cancellation and I still have NO information on my money. I believe western Union is floating my funds in an illegal attempt to profit off of the different via transfer pricing which is without my consent and illegal. I want my money back, yet now Im stuck with inept customer service agents working for a backwards company with no idea what the words customer service means. Once I receive whats owed to me I will never use Western Union again and I will be notifying my employer of this issue to prevent any future partnership or vendor relations. Also I will be submitting a copy of this letter to the XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After reviewing different lenders to help secure a conventional mortgage loan, I thought it would be great to use Navy Federal Credit Union as they are my main bank. Using the app, I reviewed the mortgage rates, and on the main page of Mortgage Rates states, No matter what your circumstances are, we have the right home loan for you. Need help deciding which loan option works best for you? I knew my credit score needed work but that first statement made me feel like Navy Federal would work with me and help me obtain a loan. I entered my information on Tuesday, XX/XX/XXXX, and paid {$19.00} for them to pull my credit. I submitted my paystubs and other information the next day on Wednesday but the decision had already been made that my loan was denied. I emailed the loan officer associated with my application, asking for them to help me understand why and if there was anything else that can be done to help me achieve getting a conventional loan and get me out of renting? I only get sent a canned response that I should contact the credit bureaus and Ill receive a letter in the mail. None of my questions were answered. I would not have entered my information, paid for my credit report to be pulled, and cause more harm to my already middle ground credit if the statement had been changed to something such as, No matter what your circumstances are, we have the right home loan for you when credit criteria are met. or something along those lines. As it stands now, my credit has been hit, Im out {$20.00}, and no one wants to help me understand or provide some time of information that could help me obtain a mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXX first proved that the account was used to service a XXXX XXXX XXXX, a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or XXXX, Transunion, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.

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 2023-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE.

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 2021-11-24
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Washington Federal, the Bank, recently, XX/XX/21, upgraded their Online banking the result of which I could not access my accounts. I contacted the " Bank '' who advise me that they, the Bank, now requires access to my " Cookies '' and third party Cookies for third party tracking. I advised the " Bank '' that I objected to doing this, since it is an invasion of my privacy and put me at risk with " predators '', possible fraud and harassments from unwanted solicitations on the web and they " the Bank '' do not need my " Cookies '' to transact my business. The " the bank '' advised me that this is their policy. I contacted other banks in my area who now, also require access to my " Cookies ''. This, now, appears, to me, to be a conspiracy. Why, at this juncture in time do, banks, have to invade the privacy of private citizens and put them in " harms '' way?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
Hello, XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are 0 XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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