BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
n 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 U.S.C. 1681. U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights. 

15 U.S.C. 1681 Section 604 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. 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 7 years. 15 U.S.C. 1681 s-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 explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
On XXXX XXXX, 2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-10-20
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Myself and XXXX children were evictednfrom our home during covid due to nonpayment. I was advised by XXXX XXXX to complete the XXXX  application and turn it into my landlord. I filled out the paperwork XXXX times and every time, the landlord told me I did not qualify for the program. At the time, I was unaware of the exact requirements and was very ignorant of the process, due to never having experienced such a situation before. XXXX months later I was approached by the landlord with a XXXX hour eviction notice, stating that I failed to cooperate with assistance. Due to the unethical practices of the landlord, I know have an eviction and collection on my credit which is hindering me from obtaining adaquate for myself and children. So far, this matters has fell on deaf ears and I do not know where to turn. There is a current investigation open on the XXXX XXXX in regards to that high number of evictions they had during the pandemic. I really hope justice prevails because I know that my family is not the only family that has endured extra suffering due to the practices of the XXXX XXXX and it's employees.

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 2022-05-24
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:
On XXXX XXXX, 2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.

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 2023-01-02
Company: Local Management, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was sent a live check in the mail by Local Finance. I was having issues paying the loan. When I tried to contact the branch and explain my situation, the branch manager, XXXX, was very rude to me. She has left several messages on my voicemail : threatening to call the police on me, threatening to come to my house, threatening to have me served at work, she called my job and was rude to my coworker and asked to speak with my manager, she called my mother and was rude to her and she also sent me a letter stating she was going to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle customer service is unable to resolve problems that arise for their consumers. 
Over the last year, I have had to call multiple times for issues with tax forms, escrow accounts, and taxes. The agent who answers is usually unable to help. When you ask for, " manager, '' they will transfer you to another, " customer service specialist, '' which means another agent usually just sitting next to the first person I spoke to. Not actually someone with answers or with authority to make changes or review acocunts. My tax form was inaccurate. I spent upwards of 20 hours on the phone with them and it was never resolved. 
My tax bill for XXXX was not paid from the escrow. I have called many times and I was told it was paid [ see the transaction record below that does not show XXXX taxes paid ). When I ask them to look for it in the transactions, I have been hung up on. I also was told, " we are sending the payment, '' and then hung up on. During these interactions, I am calm and kind but I still hung up on ( even after 4 transfers and hours on the phone ). On XX/XX/2020 it was recommended to me to email with tax bill which I did [ XXXX ]. I have emailed 5 times without response including messages to these secure messages online without resolution. I also found an email online for XXXX which I sent. 
It has been over a month without a response. 
You can not communicate directly with the escrow or tax departments. Supposedly they can not reach them except for faxes. Regarding my tax form, I was told my case was expedited and that someone from the legal department would call me in 24-48 hours. I did not get any communication. 
Their chat function is rarely available. 
The only thing I can do is call, wait on hold, explain the problem either to be transferred to another, " customer service agent, '' who will later transfer me again to another " customer service agent, '' or hang up on me. 
I don't know their legal obligations to their customer but their customer service practices are by far the worst I've experienced at any company. Ever. They outright lie. And they don't care, because who am I to them? I am a voice on the phone who is easily dealt with by hanging up when they don't have the answers. It is clear that they do not value helping their customers quickly and don't assist them to painlessly resolve problems that arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: UT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2021-01-15
Company: U.S. BANCORP
State: TX
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:
A charge was made on a card at a hotel at a XXXX XXXX  on XX/XX/XXXX. I shredded the card I had in XXXX and never received a replacement card nor have I ever used the card since XXXX. I disputed the charge and they sent a letter saying that the charge was verified using a chip therefore I was responsible for the charge. They provided no evidence that I used the card. I later found that the card was used in XXXX XXXX Texas. I was working in XXXX Texas the day the card was used, which can be verified through my employer, and I filed a police report with the XXXX Police Department ( report no. XXXX ) providing a sworn statement that I had no knowledge of the charge nor did I authorize the charge. I also provided a statement that a card may have been stolen through the mail. The credit card company has continued to not consider this information and I can not get anyone to return my calls to resolve this dispute.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of theFCRA. I have submitted 8 complaints informing The 3 Credit Bureaus that I was a victim of identity theft.The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed theirguidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), Isubmitted the identity theft reports, provided a report circle the fraudulent accounts, anaffidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimedthe accounts listed below have been verified and are accurate. I'm truly confused by theirantics/tactics on how to report this issue but they are ignoring this dispute and failing tocomply with the rules set forth in the FCRA. I need them to be held accountable & have thefollowing accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-22
Company: Experian Information Solutions Inc.
State: IN
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:
For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XX/XX/2016 I was the XXXX XXXX manager for apartments in XXXX XXXX Wow ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.

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 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On a monthly review of my account online, I found {$2100.00} worth of transactions I did not make. Call BOA same day to report. On a call a few days later to check status found they showed amount only {$1400.00}. BOA rep and me found that 2 amounts were not included cuz one was pending at time and one just was not recorded. Filed 2nd claim. BOA denied first claim but issued provisional credit for 2nd. Denial was that no posting error occurred. Called BOA was told send police report. Faxed BOA police report as well as info I found in my own research that XXXX pays were made to friends he had on his XXXX account and that his girlfriend in Utah was one of the people that got a XXXX pay, she sent me a text she got from person I named as the suspect that makes reference to the amount of the transaction sent to her. I also informed them that one charge was made in Utah where I have never been and that was alerted me to who I believed stole me card info. Followed up with the girlfriend and she never got call or letter from BOA asking for verification of my evidence. BOA denies claim again. Called BOA for more info and was told that 1st claim was being denied for all transaction because of one specific transaction made where my card was present, all others were made as on line purchases. I explained to bank that I had let this person in my home and that he must have stolen my card used it, then put it back so I would not suspect anything then continued to but thins on line.

I faxed bank proof of my whereabouts for the specific transaction with statements from 2 different parents for whom I was providing childcare for on that date and time and also verifying my exact location along with copy of google timeline that backed it up. BOA did not call at any time either parent for verification. BOA denied again. Sent final demand letter and never received a response from BOA The 2nd claim filed for {$660.00} was approved and returned to me. They only deny the 1st claim

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 2017-11-27
Company: Nelnet, Inc.
State: FL
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:
Interest charges are being charged in advance. Specifically, interest charges are compounded daily ; however, every Friday the interest charges that would accrue the following Saturday and Sunday are being added to the principal balance each Friday. Additionally, I have seen several instances where the interest for the preceding days was added on a previous weekday that was not a Friday, so that interest was calculated and added in advance, rather than on the actual day in which it would have accrued. As a side note, the interest is adjusted on the following Monday ; however, this unscrupulous practice has likely caused numerous borrowers to incur additional interest and possibly affected the payoff amounts of their loans. 

I have a spreadsheet with which I use to keep track of my daily interest, payments, etc. for all of my loans and the spreadsheet consistently and accurately tracks all of my loans, interest, compound interest etc., except for this specific loan with Nelnet, due to Nelnet " padding its tab '' without explanation or cause. 

I have attached both spreadsheets. The first shows the additional {$19.00} added to the balance on the previous Friday and the second spreadsheet shows the adjustment made the following week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX XXXX XXXX, 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