BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1, Bank of America credit card company created difficulties for me to pay my bill in the past several months and find excuses to charged me fees. I have to call them every month to pay my bill even though I set up automatic payment.

2, When I called them, them gave me hard time every time, kept me waiting for over one hour and still didn't want to get the problem fixed.

2, it transferred money from my checking account without my permission and wouldn't allow me to canceled it.

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 2023-05-15
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Affirm Holdings, Inc
State: MN
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 received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent Affirm Loan Account using my personal information and identity. I never applied for any loan or account with Affirm Loan Services. The Affirm Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Was not notified of investigation status or results

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2023-07-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent a letter to the court to see how is the method of verification of the bankruptcy and how are they reporting monthly to my credit the response was they do not report to the credit agencies I have ask for the credit bureaus to verify my information accurately and they are taking advantage of me The Credit bureaus stated my account was properly investigation but how is that possible if its IMPOSIBLE TO VERIFY. This ground for removal they also violated my rights under 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 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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX is trying to collect a debt that i do not owe, and they are reporting this debt to the Consumer Reporting Agencies. XXXX XXXX XXXX has yet to provide proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., Oct 29 2002 ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. XXXX  XXXX XXXX has yet to send me any of the items mentioned. This debt is deficient of physical verifiable validation, plus this is a debt i do not owe. They are reporting this debt to all three credit bureaus which is hurting my reputation. If XXXX XXXX XXXX does not have this collection account removed from my all three of my credit reports i am prepared to go to court for violations of the Fair Debt Collection Practices Act, 15 U.S.C 1692 ( hereinafter " FDCPA '' ), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices., and file compliant with the Attorney General of my state, and file compliant with the 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 2020-04-15
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2022-10-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 2nd complaint about our loan servicer. We received a XXXX XXXX XXXX  XX/XX/XXXX so I contacted cardinal, they transferred me to loss mitigation and the rep advised me to allow 30-45 days. A mere HOURS later I get an email stating our case is closed so we call and they tell us that we were denied due to government entity ineligible, but no one could tell us what that means. After several holds and conflicting information in our account notes, the rep comes back to tell us that our only options are short sale, deed in lieu or reinstating by making an over XXXX XXXXXXXX balloon payment. This is the second time in weeks that after I call, were denied. She also said because we didnt appeal after the XX/XX/XXXX letter that we were told to disregard because it was an error, that we can no longer appeal either. AND SHE READ THE NOTES INDICATING THAT TO XXXX! But now its our fault. We only restarted this process because after the 2nd trial payment of our mod that we NEVER received paperwork for, even after 20+ calls probably, we were told we had to reapply because our documents expired. Now they refused to help us. We were in Covid forbearance and have been doing everything in our power just to get that deferred to the end, like we were originally told would happen but they are now refusing to offer any assistance and state we dont have the income but we are still making our payments! Cardinal financialXXXX is failing us!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: NC
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:
Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates : XX/XX/2021 - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail pointing out FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: VA
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:
Months and Dates of Dispute letters are attached to this complaint. Have been trying over the years to remove inaccurate information from my report. Have also asked for a re-investigation for all of the disputes and still have not received the proper information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. XXXX XXXX # XXXX XXXX XXXXXXXX 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 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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.

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 2022-05-24
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have owed money to a debt collector for years for a credit card with a max of {$5000.00}. I maxed out the card and never had enough to pay for it until now. Recently I was contacted by an office who just bought my debt. They as the other company before them states the total I owe at over {$10000.00}. I have never agreed with this amount and even though I verbally and written requests for a history, specifically on the amounts added and why, but have never received an explanation or history to when and why the amounts were added. 
I understand there would be court costs, final fees, and fines, but doubtful over $ XXXX worth. I defaulted on two other cards at the same time as this one ( both now paid ) and never had anything added to the cards ' max other than court fees. One of the cards even took years to pay off. 
Also I have asked to see if their total included previous payments including garnishments. The last person I spoke with stated she only saw XXXX garnishment for {$400.00} when there should be around {$1000.00}. I have the paperwork from a certified accountant who did payroll for my last job as well as pay stubs for proof. 
I have been making payments and to show I was sincere in paying this off started by sending them a {$4000.00} money order and have made multiple {$600.00} payments over the past 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Navient Solutions, LLC.
State: CA
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:
Hello, I am writing to you to file a complaint against Navient the servicer of my student loans that are federal XXXX loans. One of the loan names is the Federal Perkins loan my college let me know that this loan would be forgiven. I applied for forgiveness after working @ 2 different hospitals both are non profit and qualify to have the loans forgiven since I work 48 hours every week greater than the 30 hours per week required. I sent in all required papers and I never received explanation as to why the my XXXX loans were never forgiven. I also have called them on several occasions and they have never helped me to get these loans forgiven. I started to investigate I have paid into my loans on an income based repayment plan with a monthly payment of XXXX since XX/XX/2013 for a total of {$34000.00} original federal loans were for {$50000.00}. The amount I still owe is {$42000.00}. I called them this morning and since my loans have been consolidated they told my I have to pay on an income based repayment for a total of 10 years for a grand total of {$68000.00} before I can even apply for forgiveness of my student loans. I feel used though I chose the XXXX field because I love helping people and now I feel discouraged with no recourse or help for me. I have again called them to have them send me the papers for the income repayment plan recertification the woman told me she would email me the forms but all I received was " thanks for the call now sign up for eDelivery. I have never received to this date why the loans were not forgiven since then I also called the college that I attended with no real recourse. I hope that you can help with this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'M HAVING AN ISSUE WITH TRANSUNION VIOLATING MY CONSUMER LAWS. THEY ARE NOT FOLLOWING THE LAW. 


1. XXXX Account XXXX : XXXX RE : Reinvestigation/ Dispute inaccurate information on my credit report. 

To whom it may concern, I recently disputed this account due to inaccuracy and validation of this account, not only has this account not truly been validated according to 15 USC 1681 Truth in lending nor by Section 609 ( a ) ( 1 ) ( A ).

1. I also wanted to inform you that since, XX/XX/XXXX, through XXXX XXXX, all federal backed student loans have been placed in administrative forbearance due to the COVID-19 pandemic. This means that there should be NO derogatory remarks reporting on my consumer credit report. XXXX Account Number : XXXX This account has been inaccurately reporting negative remarks from XX/XX/XXXX -XXXX XXXXXXXX. This is clearly inaccurate from the photos I am sending as well. PLEASE REMOVE IMMEDIATELY. The investigation must be completed 15 days after receiving this request pursuant to 15 U.S.C 1681i ( 7 ).

Pursuant to 1681 U.S. C. 1681e ( b )., 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 explanation
Consumer complaint received 2022-07-15
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 XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ), 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 explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit was ran without my knowledge or consent.

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