BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attended XXXX College from XXXX in the Wind XXXX XXXX. I was set up with a loan managed by XXXX Colleges ( who is apparently no longer in business, along with XXXX College/any other colleges they managed ). 

I chose to pay off the loan early in full in XXXX of XXXX. 

However, on a credit report I received in XXXX of XXXX, I had a " negative '' item affecting my credit/on my credit report related to this loan. The information on the report is as follows. Original creditor : XXXX College. Credit Limit/Original Amount :  {$1500.00}. Collection Agency : XXXX XXXX XXXX. Status : Paid, Close.  Payment History/Month Opened : XX/XX/XXXX. Payment History, Month Closed : XX/XX/XXXX. 

From the information above, some company related to my loan filed me for collections but then immediately closed it a month later - because I paid my loan in XXXX. Although this isn't showing up on my current XXXX Experian credit report, a lender who I am getting a mortgage loan through did find it and it is affecting the interest rate I can get for that loan. 

I want this removed from my credit history completely so it doesn't affect anything in the future.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to retrieve a copy of my credit report. Transunion says my report is not available because of an open dispute that has been extended.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$1100.00}.

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 2023-08-14
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I respectfully urge your strict adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to protect the rights of American consumers in matters relating to credit bureaus. Within the confines of this regulatory context, I kindly request Equifax to take the requisite measures to refrain from reporting the ensuing inquiries on my personal information : Inquiry Details : Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested In alignment with the FCRA 's principles, which emphasize the necessity of accurate and equitable representation of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. Your unwavering commitment to upholding the fundamental tenets of consumer rights within the sphere of credit reporting is deeply appreciated. I anticipate your diligent efforts to ensure compliance with the FCRA regarding the reporting of these inquiries on my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Fidelity National Information Services, Inc. (FNIS)
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: Credit inquiries on your report that you don't recognize

Complaint:
NOT ONLY ARE THE INQUIRIES FRAUDULANT AND WAS NOT PERMITTED BY ME HOWEVER THE CREDIT BUREAUS, XXXX, XXXX, XXXX, CHEX SYSTEMS ARE IN VIOLATION FOR REPORTING IT WITHOUT VERIFYING WITH ME FIRST.

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 2022-11-22
Company: MOHELA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My complaint is with MOHELA and XXXX XXXX XXXX XXXX I have worked for the department XXXX XXXX XXXX and a qualifying employer for over a decade. I have been making large student loan payments during that entire time. Recently the department of education began harassing me via email saying I may qualify for XXXX under the new waiver requirements. To qualify I was forced to switch my service provider to MOHELA. I have been waiting for MONTHS to process my paperwork only to find out I do not qualify and Ive only made two qualifying payments which is impossible. Im now stuck with this awful scam organization as my loan provider. This is clearly a scam to funnel business to this company. I am a public servant and am absolutely disgusted and am leaving my position over all of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2021-05-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX, XXXX being the supervisor, the player for a White XXXX Reporting organization in collaboration with Equifax is attempting to put their White XXXX knees on the back of my XXXX XXXX XXXX XXXX XXXX, but as a XXXX for XXXX justice, I Fight Back! Im a XXXX & Veteran! Now I ask this White XXXX organization XXXX XXXX to RELEASE a copy of my Tri-merge that was ran on XX/XX/2021, XXXX of XXXX Mortgage Company is the Lender. XXXX XXXX removed my XXXX account number XXXX Paid XXXX Mortgage, WOW can you believe a XXXX man PAID off a Mortgage buddie Roll, this is funny! XXXX XXXX, get my XXXX Mortgage loan back on my Credit Report, get me a XXXX  COPY of my Tri-merge, Hey XXXX XXXX I told you and Equifax that you folks are going to make me a Millionaire! Attached is a copy of my Drivers license, also my Settlement sheet showing that Ive PAID OFF my Mortgage, Equifax you XXXX XXXX XXXX are Not in charge of me, in Federal court I make you talk, and the Consumer Financial Protection Bureau is going to be my Star Witness, also attached is my latest Winnings, the Georgia Lottery, XXXX Life is Good! Hey XXXX XXXX XXXX Equifax, XXXX and XXXX you do know Ive got the Money to Pay off these Charge Offs! Hey XXXX XXXX get my XXXX addresses correct XXXX and the spelling of my name, attached is my Georgia Driver license : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Equifax and XXXX, playing with my name, addresses and accounts hasnt STOP my Consumer POWER as a Powetful XXXX Consumer Leader, Im Winning baby! Oh and XXXX XXXX, that Chimes account better get updated, oh and that XXXX XXXX account, purge this bull, XXXX XXXX, XXXX remove this XXXX LOL, this funny, XXXX XXXX  account, purge, XXXX purge, Ive got a copy of this letter whereby I made each TradeLine agree to purge each TradeLines, but XXXX XXXX Hey XXXX the testimony of the Consumer Financial Protection Bureau is going to make me a Millionaire WOW $ $ $ . Hey Consumer Financial Protection Bureau this is a Mortgage loan in process, timing is very important for me as a XXXX Mortgage applicant, WOW, Im Winning, the testimony of HUD is going to Powerful. See if I hadnt been a XXXX XXXX XXXX, XXXX XXXX XXXX player in the Financial game and investigated the FCRA, the Fair Credit Reporting act & the Fair Credit Billing act, XXXX I would be taken advantage by ALL White XXXX organizations, both State & Federal. See what Im doing is for other XXXX Consumers that dont know how to XXXX Fight Back and dont know how expose White XXXX and get PAID. Its time to take this Money for XXXX & ignorant White XXXX by each Reporting Agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo held our mortgage from XX/XX/XXXX - XX/XX/XXXX. In that time we tried to modify our mortgage and was guided by Wells Fargo to do certain things. Wells Fargo never modified our loan even though we complied with all criteria and foreclosed on our home in 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 2023-06-10
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. This creditor has violated my rights, under 15 U.S.C. 1681 section 602. States I have the right to privacy.

15 U.S.C. 1681 section 604a section 2.

It also states in consumer reporting agency Can not furnish an account without my written instructions.

Under 15 U.S.C. 1666b. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose. 

Please remove these late payments and update the account immediately, As you are in direct violation of the Fair Credit Reporting Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Neither Transunion or XXXX  gives you access to your credit report online through the website 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 2022-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  Acc No. : 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 an 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 2021-05-15
Company: Colony Brands, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I called them and explained that I had been denied. The company does business with people that have bad credit. Usually the credit score is around XXXX and mine at the time was XXXX. They denied me credit because people are jealous of me and they leaned toward them and denied me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Umb bank closed out my account gave me my money out of account then after account was closed ymb said I owe them money which I don't its up to XXXX dollars now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Io, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to male a formal complaint on Receivables Management Systems. Receivable Managment Systems was the holder od a debt that i had with XXXX XXXX ( account number XXXX ). I spoke with them in XX/XX/2020, they explained that once the debt was paid in full, they would delete from my credit report. I paid this debt in XX/XX/2020. It remains on my credit report. I sent them a formal letter, requesting deletion on XX/XX/2020. I followed up with a phone call and was told that they will not be deleting this item, due to it not being paid off within 6 months of them receiving the debt. This is not the information that was initially told to me. I was told it would be deleted once paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I called Bank of America regarding credit card XXXX for them to help me set up autopay. I put all my bills on autopay. Their associate set it up for me by phone then unfortunately come to find out when she took my bank account numbers over the phone she failed to include one of the numbers. I thought I was all good that my payments were being automatically withdrawn from my bank account on the due dates. But because she did not put in my numbers correctly the auto payments declined transactions. 

I have XXXX credit cards and I have or should I say had an excellent credit history/score. I always and mean always pay on time by setting up autopay successfully. I was out of state for the winter I had no Wi-Fi so I was locked out of my email that could not be fixed so I opened up a new email account while away out of state, and I was not getting my U.S.P.S mail out of state either. I was there on severe family matters. When I got back home to Michigan I was going through my mail. I opened up a letter from Bank of America stating my payment is past due on this card and when I called I found out they closed it due to non payment for 4 months. I only owed them {$190.00} in which I paid off yesterday. Due to 4 missed payments I now owe them {$140.00} in late fees. I also, opened another letter from Bank of an America regarding credit card XXXX they also reduced my credit limit from {$11000.00} to {$2000.00}. All of this adverse information was sent to my credit reporting agencies. My credit score took a major hit. This would have never happened if Bank of Americas customer service associate would have set up my autopay successfully by putting in all my bank account numbers accurately in the first place. This mistake is noway my fault. They should have noticed this mistake right away and called me by telephone just as I called them to set up autopay in the first place. I am desperate to get this rectified in my favor to make me whole again. This is due to their negligence not mine. This is not because I outright failed to pay my payments. This is all due to an oversight on their end. Please help me by getting them to open my credit card ending in XXXX again, waiving the {$140.00} in late fees, and increasing my credit limit on card XXXX to the {$11000.00} again, and most importantly remove all this adverse information from all the credit bureau agencies. Thank you for your time in helping me rectify this serious matter Bank of America caused me due to their negligence and oversight. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: ND
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:
On XX/XX/2018 I walked into XXXX XXXX XXXXXXXX XXXX XXXX  XXXX to the get a checking and saving account and I felled out the proper papers and went to the atm to get money to put in both accounts and when i walked back in the building I was treated very disrespectfully and the banker stated they could not open up any accounts for me i asked why and they stated that I ChexSystems report came back and it was not good which was funny because i never even heard of ChexSystems and i been banking with XXXX  XXXX XXXX in Arizona for over 15 years and never had an issues. which on the adverse action letter it stated that my ChexSystems score was not high enough to have peoples state XXXX XXXX XXXX to open multiple accounts for me. i spoke to ChexSystems and it took weeks to get my letter from them in the mail and when i got it i had to give them consent to have them send me my own information when i gave they my two forms of id they stated my social was linked to more they one account acutely multiple accounts they fixed the issues on there. I went back into the people 's state XXXX XXXX XXXXXXXX with my new ChexSystems fixed paperwork, and they did not care they looked at me like was less then. Now I have been studying my consumer rights under the Fair Credit Reporting Act and I have learned they violated me and did not compensate me for how i was violated below i will state the UNITED STATES CODES for how i was violated

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 2023-02-14
Company: EQUIFAX, 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've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: AR
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 was a victim of identity theft and the company isn't recognizing that and asking me to pay them back in full. I have substantial proof that I didn't do it and I would be glad to send you that proof as well. And it's reflecting on my credit score as if I owe this when in fact I was a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: WELLS FARGO & COMPANY
State: GA
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 am having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by XXXX  business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by Wells Fargo business

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