BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: MS
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 Have of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Westlake Services, LLC
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:
On XX/XX/2020, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per 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 2023-09-25
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying to get stop payment and a new cashiers check reissued to me. US Bank has made this process VERY difficult and time consuming. The check issued was damaged due to one of THEIR bankers negligence and discrimination towards me and no bank or check cashing institution will honor it now. I called US Bank and was informed to wait 15 calendar days before I can get a new one.The check was issued XXXX XXXX  and I called XXXX XXXX. And of course each representative I spoke with has no clue on how to process a stop payment and send me a declaration of loss form. I have called multiple times and each time my problem is not being resolved and I'm being told, " I'll call you back after I speak with my manager. '' and each time I was never called back. The lack of regard for consumer funds is astonishing with this company. This bank has caused me so much turmoil & now my personal day to day expenses are being impacted. Bills are being late, I'm having issues paying things on time I feel so helpless. How can you tell the consumer to call and report the problem but no one is capable of fixing it and has to call other people?

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 2022-04-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Exeter Finance Corp.
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:
The car payment was paid off and it shows we were late. When the car was traded in we werent late on the Payment. The company sais they would fix my score but they havent. Its been over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Despite multiple disputes, XXXX continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, XXXX has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXXXXXX22. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX/22, XXXX wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXX4/22Lastly, during your XXXX/XXXX/22 call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but XXXX has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX22 CRA dates but XXXX knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and Equifax reports of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: AES/PHEAA
State: GA
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:
At the beginning of   XXXX   I started the process to have my payment reduced through  XXXX . Every other month I would check in on the process to see how things were going. Each time I would be informed that they needed my Tax Docs or need a new application. I would comply and submit the documents, but the next month I would receive the same feedback. After a year they were finally able to derive my new payment. At that time I spoke with a supervisor and asked her to explore if the interest accrued during the extended period could be forgiven since this was purely the fault of FedLoan Servicing. After a couple of weeks she said that it was determined that  FedLoan  was at fault and that I would not be charged the interest accrued during that time. Today I learned that I was in fact charged the entirety of the interest despite their admission that they delayed the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, someone forged a fake check against my Fifth Third savings account for a total of {$10000.00}. We filed a dispute with Fifth Third on XX/XX/2023, after dealing with numerous other fraudulent checks against our Fifth Third accounts. The local branch told us that our dispute has been denied because we reported it too late. However, I can not find any evidence of this policy on their website, nor can a bank employee provide me with a copy of the policy, they claim for this to have disputed we had to report it 30 days after the end of the statement period. Another reason we didnt notice this immediately is because we didnt think it was possible to write a check against a savings account. I have never ordered checks for my savings account, nor would I since I also have a Fifth Third savings account. While we have been dealing with multiple accounts of fraud, several Fifth Third employees told us that somebody made 36 straight attempts to log into my account and on the 36th try they were granted access. According to the employees the account should have been locked out after 4 failed attempts. Also, when logging in online from a computer/device that isnt recognized a security code is supposed to be sent to the phone number on the account to verify the correct person is logging in. Again, that didnt happen, which resulted in my accounts being compromised. Fifth Third had committed to doing nothing to resolve this problem even though it is clearly their fault, and I am paying the price for them not taking their duty and responsibility of protecting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX of XXXX, I have tried over and over to resolve issues that Truist bank has claimed I needed to perform or do. Including but not limited to Have Home insurance, Verify My name after I already submitted it. Countless times. Moving unapplied funds ( less than a house payment ) to a payment and then removing that said payment. Changing the mortgage and balances of my account. Preventing correct payments and trying to steal my home. The representatives have lied, schemed, and refuse to be fair. They also have tried to make me in default with Bankruptcy, Allowed other companies kickbacks, and allowed representatives of their companies to break laws and discriminate against me, and take advantage of me personally. Using my truths against me. Even after repeated attempts to resolve this matter, I was sent a letter saying they did nothing wrong and denied my request. I now can not get proper insurance to fill full my original loan agreements in turn may cause a default. They said in the letter that an employee did not work there but when I called after receiving their letter, IN fact, that XXXX answered the phone and while being recorded with his acknowledgment. He said he was in fact an employee.

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 2018-05-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXX XXXX XXXXXXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXX XXXX XXXXXXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Mr. Cooper Group Inc.
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mr cooper wants to embezzle my mother 's cash from secured funds from pension and social security plus my disabiilty compensation funds and liquidate our assets for the debts of a third party that is over 10 years ago without responding to the qualified written request because the property is not the bank 's clients and the cash is not the bank 's customers/clients. 
Instead of collecting from their clients in Florida, they appear to be embezzling funds from a protected minority in XXXX Without such information they really can not collect from assets of a third party who is a innocent purchaser of value 2 title companies tried to get the details of the debt for validation/verification and calculation of alleged payorr, and the bank did not comply They sent a letter saying that on XX/XX/2022 the " debt mortgage and FHA '' loan ithird party authorization was rescinded, resscindded by who? the bank? the priorr 2 owners? a third party? Who recinded that, if that is rescinded then you can not colelct from someone who does not know about the debt you are trying to collect. 
that is against federal law, we received some HUD information from your attorneys and we ontacteed HUD, HUD referred us to a regulator to file a complaint for fraud against the banks/title/customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NM
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 FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.

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 2023-03-10
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX is missing -- COMPLETELY The history for XXXX is showing as 100 % PAID The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: AL
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had my identity stolen and used to open a credit card that was under my name. I already reported the fraudulent account to the credit card company and credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: NJ
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:
To XXXX, Experian, XXXX, XXXX, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX XXXX. In XXXX XXXX I reached out to XXXX to inform them of this matter once I seen it on my Experian credit report, they agreed to close the account. Experian, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. 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 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received XXXX emails from Bank of America. The first email was asking to verify my email address. The second email was notifying me that an online application is in progress. This email had my full name and a confirmation number of XXXX. The email aslo states that another email will be sent when the application is processed. Seconds later, another email is sent telling me that my application was approved and a new account called Bank of America XXXX XXXX Banking with account # : XXXX ( stated exactly in the email ). A minute later another email from Bank of America was sent welcoming me to Online and Mobile Banking. Three minutes later I received the last email notifying me that my email address was updated. I did not open an account with this bank or tried to do so.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation 2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Failure to perform an investigation per fcra regulation 3. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation

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