BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy 'XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # 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 2023-09-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened up a savings account with Barclay on XX/XX/2023 ending in XXXX. I linked my accounts as requested and deposited two funds totaling in {$5500.00}. They did not state any problems with the first transaction but during the second on XX/XX/XXXX they suspended my account without any notice. I attempted for days to enter my account to access my funds without assistance. I called Barclay where they stated that I needed to send over my ssn, bank statement, drivers license. I provided all the information and then had to call back days later to find out they had closed my account without any prior notice. This was on XX/XX/2023. I was told that in 5-7 business day my funds would be returned to my original account. I waited till XX/XX/2023 to call again because I had not received anything. I called my original bank and they stated not getting any notice of a deposit from Barclay. I called back on XX/XX/XXXX where they stated " it was already cleared, it has been sent, it will be there by XX/XX/XXXX ''. 
On XX/XX/XXXX nothing had been cleared. I call back Barclay and I am first told it is being sent to my other account. Then I am asked to verify my information. Then finally I am told I need to contact my original back and request that they retrieve my money back. When I ask " why is it a different answer every single time, I just want my money back ''? They had no answer. It is now XX/XX/XXXX, its been 7 business days. I can not seem to retrieve my funds, get a clear answer of their transfer or placement, and the banking support at Barclay refuses to assist me. They have closed my account so I can not even request personally to have them transferred back. 
This is dishonest service. These are my savings. I have worked so hard for this money and they are treating it like it is nothing. 
This needs to be addressed.

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 2023-06-20
Company: Westlake Services, LLC
State: AL
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 was trying to buy me and my girls something to ride in to get back and forth to work... i lost my home on the first vehicle due to the pandemic and 3 of my uncles passed from XXXX XXXX.According to the 15 USC 1681 law , there should not be any damages on my report Its an defamation to my character

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 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail advising that Bank of America detected suspicious activity on my credit card. I have never applied for a credit card with Bank of America. Someone used my personal information to open a fraudulent account. Bank of America advised that the account has been closed.

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 2023-09-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My information on my credit report was reported as compromised on XX/XX/XXXX. 
The information below was reported as compromised. 
XXXX - XX/XX/XXXX Banking Acct : - XXXX Email - XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All information is incorrected. 
I will be disputing this with XXXX, Equifax, & XXXX. 

This has caused my credit score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX i contacted XXXX XXXX regarding a collection on my report for XXXX in the amount of XXXX. I spoke with the collector and was assured if I paid XXXX ( 50 % ) that they would DELETE the item from my credit report. I paid on the same day. I looked at my report at the end of XXXX and saw it was still reporting but the balance had updated and showed XXXX due at that point. I figured it just needed more time to delete. Its now XX/XX/XXXX and the item is showing as a closed collection chargeoff with a XXXX balance AND on XXXX  ' system they are showing an OUTSTANDING balance of XXXX as if i just randomly called in and made a payment for 50 % for no reason at all and decided to just leave the rest there! 

This remaining XXXX I was told on their " monitored and recorded lines " would be deleted from my Experian report. I have a letter to that effect that I am attaching.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentiality under 15 USC 1681. 

US DEPT ED # 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC : # XXXX, XXXXXXXX XXXX  XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, 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 2023-06-20
Company: World Acceptance Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have made several attempts to requested proof of the debts and its late payments and non ownership of the debt and have not received any response from the collectors! I have submitted request to remove this collection items off my account that have 100 percent proof of ownership across the board! I have submitted letters of missing information missed spelling errors of my name and address that I have not been associated with and Im requesting these things be removed off of my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just checked my Credit Report and noticed an account from Capital One ( that has late payments ) that does not belong to me. I do not have any Capital One accounts. Please see attached screenshot. Please communicate in writing only. I have also previously disputed these items with the credit bureaus and yet Capital One continues to disseminate this information to the bureaus month after month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-10-27
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing several credit errors on my report. I have made SEVERAL attempts to get this resolved through Fed Loan, ombudsman, FSA complaint, and I also contacted the credit companies. 

# XXXX XXXX XXXX XXXX Accounts need to be closed/PIF : Several Fed Loans are still showing up as active on my credit report through Fed Loan Servicer, thus my credit report incorrectly reflects DOUBLE the amount of student debt which has now impacted my credit. I took out a private loan through XXXX in XX/XX/XXXX. These Fed Loan accounts were paid in full in XX/XX/XXXX by XXXX private secured loan, but all 3 major credit reports are still showing up with a balance on Fed Loans of XXXX {$400000.00} ( see attached credit reports below ) Explanation : I formerly had a accounts/loans with Fed XXXX XXXX. ( See the attached documents as highlighted in the report for the accounts ). 

XX/XX/XXXX : I took out a personal loan to pay off the student debt through XXXX XXXX XXXX paid off these loans. ( See attached documentation/exhibit. ) This was finalized on XX/XX/XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I received a welcome letter from XXXX for the personal student loan. ( See attached document/exhibit. ) XX/XX/XXXX : On the same exact day, this loan was transferred to XXXX ( A Department of Education Servicer ) on part of the Fed Loan Servicer. ( See attached document/exhibit. ) XX/XX/XXXX : I received a Paid in Full status letter from XXXXFederal Student Aid that this was paid in full by my private loan through XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I made my first payment on the privately secured loan to XXXX. 




Who I Contacted -- timeline : Fed Loans : I spoke with Fed Loan Servicer on the phone on XX/XX/XXXX. They indicated that I had to fill out a form to have the information corrected I filled out and uploaded documents several times ( XXXX, XXXX, XXXX ) ; was sent the same form repeatedly to fill out, which I did, without any resolution I also sent them the form with all of the pertinent documentation via regular mail on XX/XX/XXXX FSA : XX/XX/XXXX : Filed complaint with FSA ; case number XXXX ; was received an email stating that I would receive a response within 15 days ; received no response XX/XX/XXXX : I contacted Ombudsman at FSA. The representative stated there is an open case. She is requesting an email be sent to me by the caseworker. 


Credit Bureaus : XX/XX/XXXX : I completed an online dispute form. They came back with results stating that I still had an open account, with open balance, see attached. 

XX/XX/XXXX : Sent regular mail disputes to all 3 credit bureaus via tracked XXXX mail XX/XX/XXXX : I contacted XXXX and they stated that the credit error needed to be fixed by Fed Loan Servicer, but they could see the open balance on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seven years ago I took out a 7 year fixed adjustable rate loan that reset from 3.375 to 6.25 starting XXXX XXXX The current company servicing the loan is newrez morgage out of XXXX, SC. The loan documents clearly state the maximum that the rate can go up in any year is 2 percent compared to the previous years rate, meaning the rate should have not exceeded 5.375 for this year. A letter dated XXXX estimated my rate change would have been 3.625 and instead it is over 2.5 percent higher. I have made at least 5 phone calls to newrez loan servicing over the last several months to complain and ask for reconsideration, including escalating to supervisors but it hasn't changed their position on what my rate should be. I would ask the agency to look into this matter for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Experian XX/XX/2023 To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing such as incorrect and unverifiable information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2018-04-17
Company: AES/PHEAA
State: OH
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 took out the loan for {$30000.00} ( {$32000.00} after fees, etc. ) in XX/XX/XXXX. Once I started paying back on my loan, they would not work with me on re-payments. The payments would be {$250.00} for the first six months of the year, then would jump to {$300.00} for a few months, then to {$350.00}, then to {$400.00} for the last 2-3 months of the year. Beginning of the next year, they would go back down to {$250.00}. However, due to me not being able to afford the last few months in total monthly payments, I would fall behind on the loan and they refused to work with me. My son was one year old and having serious health issues and they would not take this into consideration. Within a few year span, I had paid {$10000.00} towards this loan and only {$900.00} of my payments went towards principle balance. The rest went towards interest. My total loan also jumped up to {$42000.00} and they could not explain this, they could only tell me it was due to the " late fees and penalties for falling behind on my payments ''. At one point when I fell behind in XX/XX/XXXX-XX/XX/XXXX, I offered to pay {$200.00} but the woman on the phone actually refused to accept this amount, saying they could only accept a minimum of {$500.00}. In XX/XX/XXXX I had to meet with an attorney to file for chapter XXXX bankruptcy, as XXXX was threatening to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-03-21
Company: EQUIFAX, INC.
State: TN
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 have noticed many unauthorized inquiries appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Haven't received a promo bonus for opening bank account, I have completed all requirements. Bank didnt pay.

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 2019-07-09
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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