BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
15 U.S. Code 1681 Equifax has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them. 

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Equifax could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed Equifax over 4 times with this. And yet Equifax STILL shows this account. I am within my legal rights to demand this account be removed from my equifax report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well. 

3XXXX XXXX XXXX - Collections account - This account was paid in full and XXXX  XXXX greed to remove this from my report and yet it still shows in my equifax credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX -- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Equifax has NOT done this! 

I am left with no choice but to start legal procedure against Equifax if these accounts are not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a client of Transworld System Inc., which owns my student loan debt. I have contacted them ( XX/XX/XXXX, XX/XX/XXXX ), and on several other occasions to correct the information on my account. 

They have sent me the same incorrect information twice claiming that it is the actual balance on the account. In the letter dating XX/XX/XXXX, my reported balance was {$32.00}, XXXX, on XX/XX/XXXX my balance was {$32000.00}. Both are incorrect. The correct amount should be around {$22000.00} ( the exact amount is undisclosed as of now by the creditor. ) in XXXX, TSI was sued by a group of plaintiffs from XXXX for reporting false information about its clients and subsequently lost the case ( class action lawsuit : Sharon Eul v. Transworld Systems , Inc., et al. - Case No. : 1:15-cv-07755 ) Higher Education Loan Program, under which agreement participants were offered settlement to reduce their loan balance to 62.5 % of the principal amount. 

TSI has repeatedly stated in the letters to me that they are unaware of such judgment against them taking place in the court in XXXX in XXXX, and they refused to obey the stipulations of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I 've had a credit card with Bank of America for 8 years. In the last few months I was having trouble making my payments. I called in and requested assistance and was told the assistance offered to me would make my payment hire. I then spoke with an associate about a settlement and decided that would be something I would like to do. After agreeing to the settlement, I did more research on the topic to make the best decision for myself then decided I would rather pay the loan in full and keep the card and acct. I called in to cancel the settlement and to advise I would like to pay in full. The representative repeatedly agreed that would be the best choice. She later told me I could n't cancel the settlement. Her manager later got on the phone and completed the cancel action in a few minutes. The next day, my account was charged off. I advised I only canceled the settlement due to my preference to pay in full. The representative told me she could put in a request to reverse the charge-off and scheduled a payment for approx. {$6500.00}. I advised I believe the full balance to more than that. She reassured me it was n't. I later called back in and asked a gentleman to confirm my balance the previous representative gave and he too told me the balance was approx. {$6500.00}. This morning I called to request a status on the charge off and was advised I had a balance of approx. {$1100.00}. I then got transferred and was advised of a $ XXXX balance. I walked her through my desires to resolve the account in full and have the charge off removed and my card reactivated. She adjusted the payment I have scheduled for XX/XX/XXXX to reflect the full $ XXXX but I still do n't know if doing this I will still have a charge off on my credit report. I 've been a customer of bank of America since I was XXXX/XXXX years old. I initially asked for assistance and could n't receive any. Now, acquiring the funds to repay my debt has turned out to be frightening and disappointing. I am currently in a charge off status. I am out of XXXX dollars and have nothing to show for my ability to repay my debt. Instead of securing a promise to pay for the payment in full, the agent decided to charge off my account. I do n't feel appreciated as a customer and I do n't believe Bank of America truly is interested in me doing the right thing. I can remember the agent on the phone when I expressed my desires to payoff the account in full asking me ... '' if you have money to payoff the account, why not continue to make your payments? '' What kind of company with any kind of morals would say that to a customer? At that point, I personally felt like their goal was to continue to get interest payments from me instead of putting my best interest first and helping me resolve a debt I owe.

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 2022-10-05
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:
There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018 up to current about this showing up. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2021-04-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Incorrect Mortgage Payment history I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 cosigned for my son home mortgage and vehicle loan over a year ago and for some reason his address was changed to mine and his home and vehicle were added to my credit report causing my credit score to go down XXXX points because of all the new credit I now show owing. I disputed his address not being mine and it was just corrected but now his credit is still showing on my credit report ad mine.

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 2021-09-05
Company: USCB, 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: Their investigation did not fix an error on your report

Complaint:
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX I opened a money market account with Usbank in XXXX NV at ( XXXX XXXX XXXX XXXX NV XXXX ) I deposited {$220000.00} in a money market account that pays 4.25 % apy. and XXXX apr ..... I spent about one hour with a banker asking questions and I usually do that to avoid surprises ... and for 40 years been opening accounts like this and I know terms and conditions but to avoid untraditional terms I ask these questions about when the interset starts on the account ( the day we open the account ) do I get free checks... etc... I got all the needed answers and once the banker does not know an answer she runs to the manager XXXX XXXX XXXX for answers she was extremely helpful... and on XX/XX/XXXX I added to the account another {$25000.00}... I asked when the interset post to the account? I have been told about one business day before the end of the month .... 
on july 28/ 23 i stopped at one of the branches and I requested updates on my account they told me interest posted to the account is XXXX XXXXI asked for a quick print of the statement. I took the statement and I started my calculations simple interest calculation... 
{$220000.00} produce that much for the 5 days ( {$120.00} ) until I deposited {$25000.00} and both amounts {$240000.00} would produ XXXX for the rest of the 13 days I am short XXXX dollars... I tried to solve the problem... but the answer was sorry we started the interest on the day of receiving the money... but it was a discussion to solve the problem and we can not explain every thing in the terms given to you... but I asked and it was said and supposed to be the day of opening the account... so i closed the account the manager was very understanding saying I will raise your concern to the management about 13 days in the cycle and actually it is 4 days short .... in brief i did not get my full interest wich I am asking for fair reply and recuperate my full interset andto prevent more issues like this that goes unnoticed. 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 explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has violated my rights, By furnishing incorrect information on my report without my consent. 
I have mailed this agency multiple times concerning this important matter. They have failed to provide verifiable proof and have exceeded 30 day limits. They have violated 15 U.S. Code 1681 B - No Written Consent from the consumer ( myself ) 15 U.S. Code 1681 C-1 - No Consent by consumer is identity theft 15 U.S. Code 1681 C-2 - Consumer Notified CRAs of the errors ( no verifiable proof was sent ) A thorough investigation never took place and I am seeking damages of {$1000.00} and DELETIONs of the information provided in my letter.

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 2022-05-18
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Santander targets sub prime lenders through sophisticated technology and prioritizes loans toward people most likely to default. 

Santander targets people who are seen as illiterate and approves of their car loan. 

Santander than continues to change the principal and interest prices monthly, knowing, that people with poor income have a much lower chance of consistently checking their car loans for any inaccuracies and discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: MO
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 a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$7500.00} ; DP OF EDUC XXXX Balance : {$9100.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$4500.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; DP OF EDUC XXXX Balance : {$6100.00} ; DP OF EDUC XXXX Balance : {$8800.00} ; DP OF EDUC XXXX Balance : {$5000.00} ; DP OF EDUC XXXX Balance : {$3700.00} ; DP OF XXXX XXXX Balance : {$2400.00} ; DP OF EDUC XXXX Balance : {$6600.00} ; DP OF XXXX XXXX Balance : {$17000.00} ; Medical XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely 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 2023-03-10
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I recieved an alert from my bank 's credit monitoring that a delinquent account was added to my credit profile, Upon reviewing the information I did not recognize the company and called immediately. After talking to company I realized that my identity was stolen and used to obtain utility services from XXXX XXXX til XX/XX/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 2021-04-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
JP Morgan Chase " JPMC '' offered me a credit card through XXXX XXXX. After receiving the credit card with the promotions JPMC allowed me to make purchases, recieve promotional flight miles and pay my bill. The bill payments were on time and there were no issues with the credit crd purchases nor the payments to the creditor. After paying my initial balance I had a small balance that was paid on time as agreed. Soon thereafter, JPMC closed the account for a reason that they would not give. After multiple calls to JPMC refused to give a reason for cancelling the credit after two bill cycles and 100 % on time payments. Because of this my credit dropped, and JPMC would no longer take minimum payments as agreed in the initial contract. JPMC not only wouldn't give a reason for the cancellation of credit account they also refused to allow me to speak to anyone that would give me clear information about why this account was closed. There was no violation of the terms for the credit card, my credit worthiness had not changed in a negative direction. At this time JPMC is showing a discriminatory practice with taking away the credit that was extended and agreed upon. I believe that the demographics and my pertinent personal identifying information has caused JPMC to cancel the credit agreement. In canceling the agreement I believe the credit file should be deleted from my credit report with no traces of negative impact to my credit history, report or score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 l was approved for a debt relief program for this debt. On XX/XX/2020 Eastern Revenue was notified by Mrs XXXX XXXX, director of student accounts of XXXX XXXX XXXX XXXX that my account was paid and this account had to be closed. But they keep calling me yet and keep the account open hurting my credit

Company response to consumer: Closed with explanation