BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, I received an email from Wells Fargo indicating my communication preference has been changed to receive statements by mail. I did not make this request. I do not consent to Wells Fargo sending correspondence by mail. I have previously requested that any and all future correspondence must exclusively be sent to my post office box. 

I called XXXX XXXX customer service department. It was brought to my attention that I dont have access to online banking due to fraud. The agent has to transfer me to the fraud department. I spoke to XXXX different agents in the fraud department and both disconnected the call while I was waiting for a supervisor. I was on hold for over an hour and still did not get to a supervisor. Both agents disconnected the telephone call and I did not receive a call back. The first agent was in North Carolina. The second agent was in XXXX XXXX. I was fully authenticated by both agents. 

My issue was not resolved in a timely fashion. The XXXX agent said my account was open and active. I asked if I have capacity to login to my account and use my checking account features. He replied yes. I then tried to login to my online account and was denied access. The website indicated my credentials require attention and to go to wellsfargo.com and login for instructions. 
I followed the instructions and kept receiving the same error message. I called Wells Fargo and was transferred to the incorrect department. I was then transferred again to another department where the automated system hung up on me. I spent more than an hour trying to resolve this issue. I currently dont have access to my money due to no fault of my own. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential litigation. Criminal and civil claims will be pursued.

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 2023-09-21
Company: 90 Day Credit Experts
State: MD
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I reached out to 90 day credit experts in XX/XX/2023 to repair my credit they offered a XXXX points in 90 days if not you will get your money back guaranteed and you can be exited out. Nothing has changed to my credit and they will not let me exit out they continue to charge me and has locked me into a contract. They keep trying to pull money from my account I have reached out numerous times asking them to cancel. They have threatened to send me to collections they keep harassing me with phone calls and messages via portal. This is not right for these credit repair companies who is suppose to help your credit, they ruin it. The owner XXXX lives this fancy lifestyle on XXXX  while he scam people into funding it. He preys on low class struggling people that needs help just to place them in collections and ruin their credit with these faulty contracts. They have so many of these complaints on XXXX  and nothing has been done. You should be able to cancel a service if it is not done or you simply do not need it anymore, we are in a recession. These credit repair scams need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
Sometime this year ( XXXX ) my Student Loans were transferred to XXXX XXXX Aidvantage. I noticed that I had several small loans showing for the University XXXX XXXX, which I attended in XXXX. The small loan add up to around {$26000.00}. I knew that could not be right. So today, XX/XX/XXXX, I contacted the University XXXX XXXX. The registrar confirmed I attended only one Semester which was fall of XXXX. The Bursar confirmed the same thing. Per the Bursar, the total amount of loans I took out was {$1300.00} or around that amount. I then contacted the Financial Aid office. Per Financial Aid, the total amount of loans I took out was around {$6000.00}. None of the figures the University XXXX XXXX presented to me, totalled nowhere near {$26000.00}. 

Per the University XXXX XXXX, I was told to contact the Servicer. But the Servicer, Aidvantage, has been unavailable. The calls just disconnect and go straight to the survey. No one ever answers. Its been that way for some time. I need Aidvantage to remove the extra loans they show from the University XXXX XXXX. These loans are inaccurate. 

I also highly suspect that previous to the University XXXX XXXX I had schools that overcharged me or that submitted duplicate loans. I need all of these loans corrected and or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had been out of work due to the COVID and synchrony bank received two payments from an old bank account and they did not clear I was unaware that they had closed the account until one month later I called and I wrote them and I was told there is nothing I could do prior to that I was always on time and never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Genesis FS Card Services, 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:
In XX/XX/, I sent my first letter to CB INDIGO requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XXXX XXXX advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I applied for a XXXX mortgage at Ally and in order to lock in the rate at XXXX for which I was " pre-approved '' I had to pay the {$550.00} to lock in the rate. I did pay the {$550.00} and from that point on Ally was not telling me the truth based on the " pre-approval. I want to start off saying that my credit score averaged XXXX which is over the requirement. Ally did not accept my third quarter Profit and Loss statement so I went to my book keeper who provided XXXX XXXX which showed a monthly income of {$4100.00}. On the P/L my XXXX draw was shown as Outside Services for which the business pays me the monthly officeXXXX draw of {$1000.00}. Ally NEVER counted that as my income. Also I explained to Ally that the cards with the large balances were my fathers. On Thursday XX/XX/XXXX XXXX XXXX instructed me to pay off the {$5000.00} balance so that they would show XXXX so I could still lock in my rate. On Monday XX/XX/XXXX when I kept showing proof to XXXX that my cards were paid she insisted I have to have the screen shot of the cards. I told her that I paid them on Friday the XXXX so they didn't post yet. Ally played the bait and switch trick because every step that I followed so I could get approved was not working. I spent {$5000.00} only to be told that I didn't qualify for XXXX yr and that I would need to get a XXXX with a by down of {$3300.00} for 2.65 %. I emailed at XXXX on Tuesday the XXXX to XXXX that I'm withdrawing my application and I want my {$550.00} back. XXXX replied no problem. since they were dishonest with the credit card debt and not including the {$1000.00} per month on my officer 's draw. Ally emails me at XXXX on the XXXX that I was denied. I wasn't denied I withdrew and they STILL did not refund my money. Ally makes customers pay up front to lock in a fake rate they will never give. In addition, I followed the instructions of XXXX to pay off my credit cards and spent {$5000.00} dollars only to be told " Sorry I told you to do that. '' Then XXXX tells me she can't tell me the reasons because she is to allowed and not licensed in my State of XXXX  why would she be paired with me if she can not relay the information from the underwriter. The underwriters are not trying to approve at the rate Ally tells you will get and then they will switch it to another one where you will buy points down. This cost me a lot of money and they could not calculate a debt to income ratio. I was told " I can not explain how we figure that out. '' Please never use Ally they are dishonest and plan on selling your loan to another servicer. Save your {$550.00} for a more honest place. Do not use Ally.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-29
Company: LFG Data Services Holdings, LP
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: Their investigation did not fix an error on your report

Complaint:
Dear Agency.

This letter is a formal complaint that you are in direct violation of my privacy rights.

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Collection : XXXX XXXX balance {$0.00} ; XXXX XXXX balance {$860.00} ; XXXX XXXXXXXX balance {$170.00} ; XXXX XXXXXXXX balance {$400.00} ; XXXX XXXX XXXX balance {$55.00} ; XXXX XXXX XXXXXXXX balance {$500.00} ; XXXX XXXX XXXXXXXX balance {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent Experian, XXXX XXXX XXXX multiple dispute forms about the following issues. Incorrect names, addresses, accounts, etc. On XX/XX/XXXX {$8900.00}, XX/XX/XXXX XXXX & XX/XX/XXXX {$6400.00}. All of the following accounts have been put on my credit report without any correspondence. Therefore, I put these laws in my dispute 15 US Code 1681 B, 15 US Code 1681 C-1, & 15 US Code 1681 C-2. Even after this, they didn't do anything to my credit report. In fact, they added something to my credit report that was taken off already. In short, they do not respect the LAW OF THE LAND AND THEY DEFINITELY DON'T RESPECT THE CONSUMER.

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: EQUIFAX, INC.
State: NV
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:
For the second time this year, after filing a dispute with Equifax about fraudulent inquiries, Equifax sent me a dispute resolution letter showing that the fraudulent inquiries had been removed. Still, they did not remove them from my actual credit report. 
Attached to this complaint, the dispute resolution letter received from Equifax Confirmation number or Case # XXXX dated XX/XX/XXXX, and Equifax Credit Report from XX/XX/XXXX, are attached to this complaint to evidence that Equifax is violating the Fair Credit Reporting Act of 1970 and Dispute Process required by Law. 
Please advise that I have been denied a mortgage, credit cards, loans due to those fraudulent inquiries in my credit report, and I have the creditors denial letters to evidence my allegations ; I provided required Identity Theft reports for those inquiries to Equifax several times. 
After the dispute process and investigation, Equifax informed me thru the attached letter that the fraudulent inquiries had been removed. However, those inquiries are still affecting my credit file as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 

XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Originally disputed with the company on XX/XX/2020. 
Experian received my disputes XX/XX/2020 according to my certified mail receipt. 
Received several notices on XX/XX/2020, XX/XX/2020, and XX/XX/2020 stating that the accounts were accurate. 

Responded to company on XX/XX/2020 requesting a reinvestigation and method of verification. 
Company received my response XX/XX/2020 according to my certified mail receipt. 
Company responded XX/XX/2020 without providing method of verification. 

Responded to company XX/XX/2020. 
Company responded XX/XX/2020 stating accounts have been verified once again without sending the procedures used to verify the accounts. 
It is now XX/XX/2020 and I have still not received the methods of verifications used from the company. 

According to the FCRA the consumer has the right to request the procedure used to verify accounts and the company has 30 business days to respond with that information. I have not gotten a proper response from the 2 last times I have requested method of  verification.

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 2023-04-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian shows incorrect reporting of a XXXX XXXX XXXXXXXX account on their reports which is frequently overlimit and delinquent. I don't own that account. I have raised dispute many times and every time they say their evaluation find that account belongs to me. I tried to reach XXXX  too many times and they say they don't see that account on my SSN. Please refer Experian report XXXX for XXXX account with $ XXXX.they are not sharing full account number to check with XXXX and with full account number XXXX  is not able to help or locate the account. It's been going on since 2020 and I am following up and raising the concern but it's not addressed. It has caused lot of negative impact on my score and the impact is still on.

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: 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:
any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

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 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I requested my credit report from Transunion on XX/XX/2019. I saw thet there was negative information reported by XXXX XXXX? XXXX  XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legaly binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had faied to provide me with a copy of any viable evidence, bearing my signature, showing thw account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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