BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello today I made a deposit into a ATM inside the Bank of America branch located on XXXX XXXX XXXX, XXXX, ca and the teller had advised me to use the atm when I did the machine got stuck and took about {$4800.00} dollars from me and it did not register the money was stuck and now I have to wait 45 days and the claim might not be resolved. I really need the money to pay my rent and it is all I have at the moment. When the transaction got stuck the bank manager advised me that he atm was indeed faulty and it has been having issues but it is still in service. I am absolutely distraught and do not what to do to get my money back on time, the only credit I received was {$300.00} and that will not cover my bills.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: MA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-09-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: MA
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-17
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
According to the CARES act you can get a refund of any student loan payments made during the payment pause ( beginning XX/XX/XXXX ). I paid off my loans on XX/XX/XXXX during the payment pause with a final payment totaling {$10000.00}. Once learning of loan forgiveness I applied for a refund of the XX/XX/XXXX payment totaling {$10000.00} on XX/XX/XXXX. While speaking with EDFinancial on XX/XX/XXXX they informed me that my refund request was processing. I did not receive any email confirmation and my online account showed no updated information. After waiting for nearly six weeks and checking the status of my online account regularly and getting no new information I once again called EDFinancial. When I asked for the status of my refund I was given the same information I had been given six weeks prior, " processing. '' I asked to clarify that she could give me no new information, no timeline, no estimates even about when my refund would come through. She gave me nothing. Then I asked if there was someone I could speak to that would have more information for me she told me no, " there was no one in the company that had any information for me. '' I was astounded. To flat out express that no one in the entire company could help was unbelievable. I then asked if I should contact the Department of Treasury and she replied no, that no one there would have any information either. I am aware that many people have applied for refunds, however, it is their ( EDFinancial ) job to service loans- including refunds. I do not understand how there is no information on the status of my loan and that I am simply expected to wait patiently for as long as EDFinancial desires. That such a large company can just treat people like this is wrong. I have asked for a legal refund and have been given nothing but silence. I would like my refund processed and a more transparent system to help future customers avoid such a frusterating process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the inclusion of an account on my credit report and request its immediate removal. The account in question is XXXX XXXX, which was opened on XX/XX/ and currently has a balance of {$0.00}. Despite my previous requests, your bureau has not provided any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this 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 2022-12-11
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Dept of Ed : # XXXX XXXX/Dept of Ed : # XXXX XXXX/Dept of Ed : # XXXX XXXX/Dept of Ed : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2023-01-18
Company: EQUIFAX, 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 XXXX XXXXXXXX Account # XXXX Date opened XXXXLast reported XXXX active XX/XX/2022 XXXX XXXX XXXX Account # XXXX Date opened XXXX-Last reported XX/XX/2022 Last active XXXX XXXX  Account # XXXX Date opened XXXX reported XXXXLast active XX/XX/2022 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 response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: WI
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:
Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via XXXX Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via XXXX Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XX/XX/XXXX new inquiries have appear, which I have not requested.

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 2023-01-05
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: GA
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. 

Account name : XXXX XXXX - XXXX Account name : XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest Credit Systems is reporting collections to both XXXX XXXX XXXX accounts in the amount of {$1000.00}. I have requested validation of debt multiple times and have not received anything as of date. The most recent debt validation letter was sent to Southwest Credit Systems via certified mail on XX/XX/2023 to obtain more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-01-30
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I wasnt aware that the original debtor sold the debt to a third party law firm the amount they are saying is owed they never reached out to me to settle the debt. They have been reporting to my credit as well these are all false and misleading practices the amount o they are wanting to collect is only {$160.00}. I dont know any of the people involved attempting to collect the debt my information has being given away without my consent to any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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 sent updated letter to XXXX Equfax and XXXX  to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX it starts with I had never lived at the address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Information belongs to someone else

Complaint:
this account XXXX XXXXXXXXXXXX XXXX XXXX account number XXXX is a fraud account I have provided Equifax with a ftc report and disputed multiple times this informations needs to be deleted and blocks on my equifax credit report ftc report number is XXXX has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold my tv on XX/XX/22. Seller sent the payment through cash app. I seen the payment confirmed. So I handed the tv over. I get home and my money is no longer on my account. It says the payee refunded himself. A feature cash app has to people sending money while pending transaction. I never got my money and I am out a tv. Cash app told me that it's app is meant for friends and family. Cash app won't reimburse me the buyer blocked me within minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/23 I traded in a vehicle to a dealership who obtained a 10 day payoff. The payoff was mailed in and arrived and posted to the account on XX/XX/23 in the amount of XXXX. The regular payment of XXXX was due XX/XX/23 and after XX/XX/23 a 10 day XXXX dollar late fee was added. The amount received and posted by XXXX XXXX XXXX on XX/XX/23 was approximately XXXX dollars short of the payoff due to the late fee and the extra days until the check posted. I had contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, numerous times during the entire time to check on the payment. The dealership did send the extra XXXX dollars and the account was fully closed and paid in full. 5 years early. I understand the payment was 13 days late and the late fee was paid. XXXX reported the payment as 30 days late to Experian and it lowered my Fico score substantially. I have tried to resolve this with XXXX and recently Experian has tried. XXXX feels the payment was 30 days late, I disagree I believe the check posted 13 days after the payment due date should represent a payment, its unfortunate the mail was delayed or the mailroom at XXXX posted the check 13 days after the payment due date never 30 days late. Thanks for you help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Nelnet, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In XXXX I switched my Student Loans Consolidation company to an third party XXXX XXXX XXXX XXXX. XXXX XXXX was in charge of my federal XXXX XXXX of Direct and Unsubsidized and XXXX XXXX monies after the loans were closed in XX/XX/XXXX were stolen in the amount of {$10000.00} dollars. He kept my identity even after I tried to get it back because I hired him to submit my FASFA Loan Forgiveness Discharge Application to the Department of Education for XX/XX/XXXX Conditional Discharge and Cancellation in the amount of {$30000.00} Dollars. XXXX XXXX XXXX XXXX XXXX XXXX gave me harassing phone calls and every XXXX to XXXX months he wanted me to fax in my signature on file he said to keep forbearance records updated and instead of taking one year it took six years to complete the Application process and my loans were finally forgiven or XXXX by the federal government in XXXX from XXXX. Today I have a Zero Identity and nothing to show for it. My family suffers and he still has my numbers and harassed me through soliciting advertisements and junk Mail. I was scammed. I cant prove it but my mom can and I need her to soon. He isnt getting away with this. Thank You.

Company response to consumer: Closed with explanation