BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
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:
I appreciate the time you have taken to address the removal of certain fraudulent items from my file stemming from an alleged identity theft. However, there are still remaining ACCOUNTS that require attention. This marks my third complaint as a victim of identity theft, and I am disputing specific accounts in my file linked to this crime. The disputed accounts are unrelated to any transactions involving the acquisition of goods, services, or money authorized by me. Enclosed with this complaint is my FTC report # XXXX. Kindly proceed with the removal of these accounts from my credit file associated with the alleged identity theft : -- -- -- -- -- -- -XXXX  XXXX -- -- -- -- -- - XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -- -EQUIFAX -- -- XXXX -- -- -- - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -- -XXXX  -- -- -- -- -- -- - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00}. These accounts are unfamiliar to me. Additionally, the information provided on these accounts has already been DELETED from other bureaus, raising doubts about their accuracy and the reported payment history within my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was repossessed on XXXX XXXX XXXX XXXX XXXX, Bridgecrest sent a statement stating the vehicle was sold for {$33000.00} and was applied to the remaining loan balance of {$24000.00}. Their own statement ( dated XXXX  ) says a surplus balance of {$8900.00} would be returned to me via a check. On XXXX  I called Bridgecrest and they informed me they discovered repairs that they could not name that equaled the EXACT amount of the surplus to the XXXX and thus they would be keeping the {$8900.00} surplus that their own statement said was due to me.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a debt that is a result of property XXXX retaliation and sent a debt straight to collections 4 months after i moved and has never returned mt deposit, web i asked Transunion 2 times ive disputed and bot times back confirmed, which is a downright lie. if one looks at XXXX  ther are two complaints that are the same MO, they move out, months later when they have been told alls good, they find out there a debt on the report, so the people use trans union to scam us money and even when i showed the XXXX attorney, the collector defends this fraudulent behavior. Look at the attachment and the blatant way they are willing to rip us off, well. XXXX, stop stop reporting.

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 2022-02-24
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The customer service I've experience by the Department of Education ( DOE ) or lack of receiving have been a complete horrendous nightmare. As a military veteran I've submitted numerous applications for XXXX XXXX due to XXXX XXXX fraudulent practices I have an application that I submitted on XX/XX/XXXX as of today XX/XX/XXXX I have yet received a response regarding the matter except that it's still in review. Given XX/XX/XXXX Media coverage by DOE regarding military veterans/students that attended and was scammed by XXXX XXXX XXXX that matter was discharged. I've also submitted PSLF application numerous times in which I qualify for that ( the latest submission XX/XX/XXXX ), as of XX/XX/XXXX I havent received any notification status on that as well. By being a military veteran and a current civil servant employee, this is beyond unprofessional to keep a matter lingering for this long especially when I hear " thank you for service '' when I called to inquiry about my applications at this point people only saying that to feel somewhat patriotic but to continue to string along a military veteran the organization isn't any better than the organization XXXX XXXX that defrauded them. That is a true sign of an organization character, is this how you thank a military veteran for their service? I have filed numerous complaints with the CFPB and my local representatives regrading this matter, even they have been told they must wait an additional 6mths to inquire about my application. Ive been constantly attempting to file a complaint via the OMBUDSMEN on the DOE site since XX/XX/XXXX, when I hit submit the submission page fails, Ive tried on different web browsers, the same thing, when I called in regarding my complaint I was told to keep trying its a glitch in their system. And still nothing resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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'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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Dear XXXX, TransUnion, and XXXX There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

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 XXXX XXXX XXXX XXXX XX/XX/XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.

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 2021-08-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my credit card accounts due to inactivity which negatively affected my credit score which in turn I was not able to obtain a good mortgage rate, & insurance

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 2023-02-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023, a girl on XXXX asked if I wanted concert tickets. My daughter is a huge fan and this woman was a friend of a friends. I sent her the money through XXXX. It turns out this person does not exist and ghosted me completely. I contacted Wells Fargo since thats who XXXX is through on my account. They said they researched it but I never got my money back even after they promised I would get it back in XXXX business days. Today I contacted XXXX too after I spoke with representatives of Wells Fargo and they told me I would not be getting money back since this was my fault for getting scammed. Im now trying to find out what I can do, but no one can help. My bank who is supposed to help me, refuses to help saying its hands are tied. This is a XXXX XXXX company where the ceo gets XXXX every quarter. And they cant help me.

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 2017-05-06
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX ,   XXXX   My elderly Mother  XXXX   XXXX   XXXX  who suffers from a host of medical concerns that include, but are not limited to ;   XXXX   XXXX   ( legally  XXXX  ),  XXXX   XXXX   (    XXXX   XXXX   ),  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   was instructed by Vanderbilt Mortgage  (   XXXX   XXXX   XXXX   )  to delay making her monthly payment until after the first of the month. This instruction was issued without any loan modification agreement to reflect any changes in her payment schedule based upon her current loan agreement.   I have had an opportunity to obtain and review a Vanderbilt Mortgage 's " Early Foreclosure intervention '' document dated  XXXX .   It certainly raises concern that Vanderbilt Mortgage is advising a customer to delay remittance of payment in an attempt to place the account holder in a " foreclosure '' posture. The account holder owes approximately  XXXX  on a property valued at  XXXX  and refuses to release the lien on an attached parcel valued at  XXXX .   This type of behavior by any lender is despicable and absolutely intlolerable.

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 2020-03-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sears by Citi credit card offered 0 % for 12 month promotion with activation, I activated offer and received - offer activated response, from website, did try to activated again, and received - offer already activated. Purchased item in excess of {$1000.00}, but did not see promotional balance on statement, called the Citi, they telling me that I did not activate promotion, which is a lie, sine i tried on 2 different occasions. Now they want to charge me excessive interest.

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 2022-02-14
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
A line item entry appeared in my pending transactions XX/XX/2022 on my checking account as : MONEYLIONLOANREPAYMENT XXXX XXXX NY XXXX. The amount is {$19.00}, and was listed as a debit card transaction. I did not make a debit card transaction, or any other kind of transaction with this company. 

I called Money Lion at the number listed on their website : XXXX ( XXXX ) XXXX. When I spoke with the representative she connected me to the " XXXX XXXX XXXX '' and gave me their direct dial number. which is XXXX. After waiting a few minutes, I got a recording that said they are experiencing higher than normal call volume, and they hung up on me. 

I called the number directly, and had the same experience. 

There is a chat function on the website, but it requires you to set up an account in order to speak with anyone. 

I will now have to go through my bank, have my card shut down, re-set all of my auto pay tied to my card. 

This has done financial damage, and the company has no means to dispute the charge or even contact them unless I set up an account. 

Aside from outright fraud, this smacks of clear UDAAP violations, and I am over XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got an email notification from Bank of America that my application for a checking and savings account was approved. I attempted to call them and couldn't get through to anyone. I received the debit card in the mail and once again attempted to call. The first time, I was on hold for over 30 mins then got disconnected and the second time, sat on hold for close to an hour then got told I was getting transferred then got disconnected. I did not sign up for any accounts with Bank of America. I did not sign any service agreements or contracts and I didn't sign up for their online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

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 2017-05-07
Company: Army and Air Force Exchange Service
State: NC
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 had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.

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 2022-12-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax refuses to remove an alleged account from my credit report that XXXX XXXX XXXX said was opened in XXXX. That is beyond the 7 years by Federal Statute and Equifax refuses to remove the Specialized Loan Services entry from my credit report, Equifax 's data shows no payments were made on the account and the account is closed but in repayment process, yet no payments have ever been made on the account listed nor did I ever have a loan with XXXX XXXX XXXX. In addition Equifax has locked me out of my account with them to further dispute this false and outdated information. Multiple times I have request proof from Equifax and specialized loan services for proof any payment was ever made to specialized loan services and since they can not provide proof of any payments being made to them from me, and since the alleged account was from XXXX, it is beyond the 7 year statute of limitations for Equifax to report and by law should be removed from my credit report by Equifax. Equifax refuses to remove an item that is over XXXX XXXX XXXX in violation of XXXX law. 
No payment was made to Specialized Loan services in XX/XX/XXXX, XXXX XXXX XXXX just made up this entry without proof of any payment in XX/XX/XXXX to keep the entry on my credit report. This account is over XXXX XXXX XXXX and a zombie debt and I never had a loan with specialized loan services and they refused to provide proof of anything with my signature on it that I ever had a loan with them, and Equifax refuses to remove the entry from my credit report REAL ESTATE LOANS SPECIALIZED LOAN SER Reported : XXXX XXXX, XXXX {$14000.00} Closed Overview You have 100 % left to pay on this real estate loan. 

Balance {$14000.00} Highest Balance $ 0 Monthly payment {$200.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term No Info Payment History Youve made 96 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Home Equity Line of Credit Responsibility Individual Account. 
Remarks Account previously in dispute - Now resolved by data furnisher Credit line no longer available - in repayment phase Times XX/XX/XXXX days late XX/XX/XXXX Closed XXXX XXXX, XXXX You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX XXXX XXXXXXXX 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 2023-06-11
Company: EQUIFAX, 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:
I believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.

Company response to consumer: Closed with non-monetary relief