BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: Synovus Bank
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I recently filed a complaint with you all regarding a prepaid credit card with XXXX XXXX XXXX. As I stated in the first complaint they kept my money for 2 months before sending the card. I kept asking to return my money so they finally sent the card. I spent my {$400.00} and sent the card back. They kept adding more and more fees, so I called and told them I no longer wanted the card because of all the hidden fees and that I had returned it. I also asked them about all the fees and I no longer had the card. I had preciously settled with XXXX XXXX for a card that a dead family member had gotten in my name for XXXX and asked them would they settle for XXXX since I spent only my XXXX and they had charged me an extra amount for processing fees that I paid up front, I was told to send the XXXX and they also told me that I needed to send them another XXXX which I refused to send since I had given the XXXX plus XXXX processing fees and the XXXX. So they put XXXX on my credit report. after writing you all the first time and closed the account with a XXXX balance,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I completed an Identity Theft Report for a account on my credit report from Equifax called XXXX  XXXX. This account has been reporting for almost 7 years. In XXXX I disputed the account as not mine and Equifax had deleted the account. In XXXX I noticed the account was re inserted without my notification. In an attempt to solve this account problem I reached out to XXXX  XXXX DBA XXXX XXXX to offer a settlement for removal in which they refused. 
I then asked for a signed application for credit from the location documented as having given me this loan. No response. 
In XX/XX/XXXX EQUIFAX CONSUMER REPORTS changed the so called initial date of delinquency for this fraudulent account to XXXX XXXX. At one point EQUIFAX had been reporting this account as open with monthly payments! 
I am attaching my Identity theft report, a copy of Equifax reporting from annual crexit report showing a XXXX  of XX/XX/XXXX, and other relevent information. 
I want EQUIFAX to remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

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 2023-10-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being sent emails, about new amounts, with interest charged without providing the details of the debt. Why do I owe this debt? 

I have sent a written notice requesting all the details but have not received anything official. 

I have received an email with random numbers on a paper with no evidence that I owe this debt and I'm being charged interest on this. 

Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: PA
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NC
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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. Deleted these accounts caused by fraud. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX there was a debit from my account for {$210.00} that caused my account to be overdrawn. On this day, there were absolutely no other transactions pending. They reordered my transactions, causing 4 overdrafts instead of one and even charged overdrafts on the charges that had already cleared. I work in banking and I am well aware of the reordering. This is absolutely not to insure " the most important transactions get paid first '' As the charge that over drafted my account wasn't even paid anyway.

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 2023-09-29
Company: EQUIFAX, INC.
State: SC
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items which is found to be fraud 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. Please block/remove these items. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
During the Covid forbearance, my loans went from {$16000.00} up to {$18000.00} at the end of XX/XX/2022. The loans increased again from {$18000.00} to {$19000.00} in XXXX of 2022. At that time my loans were with Fed XXXX. After multiple calls to XXXX and XXXX XXXX XXXX, hours on the phone and submitting formal complaints over the last year, I have received no clear answer as to why this money was added to my account while it was in forbearance. My loans recently got transferred to Mohela. I still can't get answers. One person from Federal Student Aid told me that she thought it was because I was on some specific loan program over 10 years ago and when I switched my loan plan to qualify for PSLF it disqualified me so they just decided to address it 10 years later and add interest. This is absolutely not ok. I need answers. I also have 10 years and 120 months of PSLF, but 2 months are not counting so I can't get forgiveness. I am beyond frustrated with the student loan system and feel like this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: ZENCO COLLECTION, LLC
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX CALLED MY CELL NO ( XXXX ) XXXX 13 TIMES. THEY LEFT VIOCE RECORDING SKIP TRACING FOR FAMILY MEMBERS. I SENT CEASE COMMUNICATIONS VIA XXXX-FAX AND ONLINE.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2022, I was notified of a hard inquiry on my credit report from Bank of America that I did not initiate. I called XXXX and notified them of this on XX/XX/2022. XXXX placed a Fraud Alert on my account. I have also called Bank of America to let them know that this was not me and to make sure that the credit card account is not opened.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: OK
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 Federal Credit reporting Act, these Creditors violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code Section 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-10-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Name : XXXX XXXX XXXX : XXXX Account : XXXX... 

I am promised accuracy on my report based on federal law. I am writing again as another attempt to have these errors corrected on my consumer report under XXXX usc XXXX. All unverified information must be promptly removed. As you can see in your system you can not verify this information and validate it so I request that you remove it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( XXXX, XXXX and Equifax refused to accurately investigate while sending correspondences back stating everything was accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXXXXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, XXXX, Equifax and XXXX failed to mark notice of dispute on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2018-09-07
Company: First Technology Federal Credit Union
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I charged {$25000.00} on First Tech Federal Credit Union credit card as part of my payment for the Diamond level of XXXX. XXXX was an online business I had joined. 

On XX/XX/2018 the Federal Trade Commission ( FTC ) filed a  complaint against XXXX citing unfair and deceptive acts and practices in violation of Section 5 ( a ) of the FTC Act as well as additional charges. Reference Case # XXXX on the FTC website XXXX More information can be obtained on the Receiver 's site at XXXX First Tech has reviewed my dispute and states that because I failed to file dispute within their policy of " 2 month of charge '' that my dispute has no validity. The closure of XXXX did not occur until XX/XX/2018 which was past the allowable 2 months. 

I understand that if I had control of my dispute time frame ( say a store purchase ) and failed to file the dispute within 2 months of purchase that First Tech would have all rights to deny my claim. 

Unfortunately I had no control nor could I foresee the FTC closing the XXXX operation completely down! I have a large sum of credit card charges to XXXX. If the FTC has determined that XXXX was operating fraudulently then First Tech should follow their guidance and remove all charges associated with XXXX from my account. 

Any assistance you can give me will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I reach out to credit reporting agency about incorrect accounts of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
With Loan Depot, I had set up automatic payment and these payments were working. Then randomly they stopped doing automatic payments without notice. I missed two payments as a result. Once I realized I got current immediately and re-set up the auto payment. 

Once I got below 80 % loan to value, my PMI should have stopped, but they refused to stop it due to the loan payment issue. 

I had a literally perfect credit score, had mortgages since I was XXXX without missing a single payment or being late. Thats over 24 years of solid never missing payments and now they required me to pay more PMI. 

Its a total cost of {$270.00}, like them to refund this or else I will take them to court, but would like assistance pushing them to do the right thing and avoid court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
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: Account information incorrect

Complaint:
Name : XXXX XXXX XXXX : XXXX Account : XXXX... 

I am promised accuracy on my report based on federal law. I am writing again as another attempt to have these errors corrected on my consumer report under XXXX usc XXXX. All unverified information must be promptly removed. As you can see in your system you can not verify this information and validate it so I request that you remove it now.

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