BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today XXXX, Bank of America branch of XXXX XXXX NY was visited by myself and mother as due to my XXXX XXXX, XXXX  XXXX and XXXX  XXXX, I need accompanying of someone who can react if I suffer symptoms of XXXX  as well as certain situations in which cause XXXX XXXX from occurring. My online portal was locked and I was unable to access this via my home which I remain inside due to the constant looks at myself as I am evidently symptomatic of a XXXX  XXXX. After being assisted by said Bank of America representative, she waited on hold with us for over an hour and finally when presented with questions concerning the account, I willingly provided every document of proof including tax returns via email on my phone, 1099 from particular deposits done through my person not company as it was done via my social security number, as well as documented companies that of paying me via my social security number. I asked for my account to be closed and funded my remaining balance. I have been a customer since 2006, my very first bank account as it remains a campus checking. Not only when presented with facts did she state she doesnt know what a XXXX is, she was unaware self employment could be run under a social security number. After an hour of asking for my cash balance did a supervisor come over blaming me for depositing money today and that I should of anticipated such action of said staff. I then presented official documents again along with press releases etc of companies involved in payments. Again instead of this employee understanding, as my voice was admit-tingly raising louder than I desired at this point due to the anxiety and stress of the fact I have not been in close proximity of another outside human being other than my family in almost two years involving detailed conversations, she begins to raise her voice challenging is I was XXXX as I referenced my mother, caretaker, required access to accounts in case of a hospitalization event as has happened in the past, they smirked and belted a sarcastic chuckle as at this point I demanded my account closed and made them aware of their violation of the ADA as now they require me to return again tomorrow and experience even more stress causing my XXXX  to increase drastically and my XXXX  to elevate to XXXX levels.

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 2023-03-03
Company: EQUIFAX, INC.
State: IN
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 am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights several times. 
I demand these accounts below be deleted from my report because : Under 15 USC 1681 : I have a right to privacy and did not give Equifax permission to furnish my information or my accounts Accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Also 15 USC 1681a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

And 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: LA
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 appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Had attempted to revoke the EFT withdrawal on my checking account based on the terms in loan agreement and was told the loan agreement no longer is accurate and that is not an option

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Waypoint Resource Group, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells fargo has been charging me fees for monthly services for not having over {$500.00} in my daily balance when I have it in my savings balance. They charge me {$10.00} every time I dont have {$500.00}

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 monetary relief
Consumer complaint received 2023-03-01
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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 non-monetary relief
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX, I received my first notification letter from University XXXX XXXX XXXX XXXX ( XXXX ) saying they were holding a student loan of mine in the amount of {$9300.00}, which they said was going to be delinquent. I asked my Federal Loan Servicer XXXX XXXX to consolidate the loan a few days later. XXXX XXXX completed the Loan Consolidation in XX/XX/XXXX, which was the same month XXXX reported me delinquent to the Credit Bureau 's. XXXX broke the law.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am interested in disputing all incorrect information on my credit report with transunion. all data is not valid. this is causing alot of errors on my credit report. please delete an remove the information listed asap.

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 2020-06-08
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on an Income Based Repayment Plan ( IBR ) since XXXX. In XX/XX/XXXX I received notification that my student loan monthly payment amount would be changing, from Navient my student loan servicer. The new payment amount was increasing to {$700.00} a month, beginning XX/XX/XXXX. I made the XXXX payment on time and submitted an Electronic Income Driven Repayment Application on XX/XX/XXXX to assess the reduction of the monthly payment amount. On XX/XX/XXXX I received notification from Navient they were not able to approve the IBR request stating " Based on the documentation you provided, your financial circumstances do not meet the federal definition of partial financial hardship required for Income-Based Repayment. '' On XX/XX/XXXX I called Navient and spoke to customer assistance to inquire what repayment plan I was currently on. I was informed I was on the IBR Plan. Confused as to how that could be, since I received notification from them a month prior that I was denied approval of the IBR plan, I asked how my monthly payment was calculated. I was informed it was calculated based on the IBR application I had submitted. I advised them I was denied for the IBR and would like an explanation of how my monthly payment was calculated. I was then informed it was calculated based on a standard repayment and I would be paying {$700.00} for 153 months and {$360.00} for 63 months. I asked what year I would be eligible for loan forgiveness, after having paid 25 years on the loan and was told in the year XXXX. I then asked if I were to change to a Standard Repayment plan what year would I have my loans paid off, since my monthly payment was calculated based on that plan type anyway, and was told in year XXXX. 

I then asked very pointedly " Why wouldn't you inform your customers previously on an XXXX plan, whom were denied after reapplying, that they would pay less overall by changing to the standard repayment plan, since you are calculating their payment based on the standard repayment plan anyway? '' If I were to stay on the XXXX plan, even though I was denied, I would end up paying an additional 48 months, equating to {$17000.00} MORE than what I would pay if I moved to a Standard Repayment Plan. 

Navient is not looking out for the best interest of their borrowers. They are being deceptive in their practices by not providing thorough information to their borrowers, which in many cases will result in the borrow paying more money than necessary on their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2015 ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}.

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 2023-01-19
Company: Wilber and Associates, P.C.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have never put the address of my girlfriend in ANY website or something. I have never received letters on that address. Today, my GIRLFRIEND received a letter in HER UNCLE HOUSE. Even though I have never put something there. Are they following me? I do not even know her address or put neither on my XXXX account. How they did it? The company is wilber and associates. I feel followed and harrased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted an online claim to Wells Fargo regarding an unauthorized charge to my debit card on XXXX/XXXX/22 and allowed for a 30-day settlement. As in the past, I forwarded the Wells Fargo Claims Assistance Center a copy of my communication w/ the merchant and other entities involved w/ the transaction to aid in making the right decision. A copy of my XX/XX/XXXX/22 letter to the Claims Assistance Center is attached. 

As in the past, I followed up w/ the Claims Assistance Center a week prior to the 30th day outstanding to get a feel for where things stood. Upon being informed that the bank ruled against me on the basis of input from Visa, I filed a formal complaint and Request for Review w/ Wells Fargo Claims Assistance Center SVP XXXX XXXX XXXX Copies of the XX/XX/XXXX22 communication w/ the Merchant and other entities were included as enclosures. A copy of my XX/XX/XXXX22 letter to SVP XXXX is attached. 

After not hearing back w/in the 30-day timeframe allotted for a response from SVP XXXX, I called the Claims Assistance Center on XX/XX/XXXX to inform them that Visa played no role in the decision regarding my XX/XX/XXXX22 claim and that I felt the bank erred in deciding against me based on the facts captured in the supporting documentation submitted. 

The boisterous female representative I spoke w/ indicated the decision would not be reversed in the absence of alternative proof of payment. Since this response totally differed from the initial reason provided for the bank 's decision, I ended the call and decided to seek review of the bank 's decision by the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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 non-monetary relief