BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: EQUIFAX, 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: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX 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 2021-04-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Father ( at XXXX XXXX XXXX ) passed away in XXXX of this year. I am trying to settle his estate. I went into the bank and worked through what I thought were all of the issues with his banking relationship and even asked the person I was dealing with : " is there anything else open ''. I was told no. 

Several weeks later my sister got a communication that there were " student loans '' that my Father was responsible for. I have spent hours on the phone trying to get the details. I sent a letter to the Chairman of Wells Fargo and I am still in the dark about the loans. 

Further, I found out that there is a credit card balance. But, don't know what it is and have not seen the transactions that support the balance. I have asked, but no luck on that either. 

Finally, I tried to deposit a check into the Trust account that was set up to deposit funds that care coming in and going out as I settle the estate. They refused to deposit it. I call and complained about this too. I was told they would look into it. No response. 

I note that I spent hours in one of the branches sharing estate documents and ID to prove that I am legitimately responsible for settling the estate. I set up trust accounts and transferred ( with the help of Wells Fargo ) all of the funds in my Father 's accounts into the trust accounts. 

I am just trying to do the right thing to settle my father 's accounts. Wells Fargo is doing everything to make that as difficult as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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. 
Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 1022.42 ) and Interagency Guidelines ( Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnishers activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Last XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX To whom it may concern. I am filing a lawsuit on XX/XX/XXXX against XXXX  and Bank of America. I had tried countless times to dispute the item ..Bank of America account that continues to fraudulently report to my credit. Not only is the account fraudulent but the statue of limitations for the particular debt has passed and yet its still being reported. I have hired an consumer attorney to assist with my lawsuit. ( XXXX XXXX XXXX XXXX ) in XXXX Florida.. My consumer attorney is ( XXXX XXXX XXXX XXXX XXXX I brought him all my dispute receipts certified mail documents. I disputed this account. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In which I have all documents to prove. Also Bank of America continues to report fraudulent account. I have wrote them countless letters asking them to verify debt. Asking for original document with my signature, balance owed, terms and agreements etc.. they have not responded at all.. 

The account is below BANK OF AMERICA Account number XXXX .... 
Recent balance {$15000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX You have 24 hours to remove fraudulent and negative account or we will proceed seeking full legal damages

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 2023-02-23
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, Citibank closed my account back in XXXX of XXXX by stating security reason. When my account was closed, I had USD XXXX in the account. Bank only refunded XXXX via check. After multiple requests I received the letter saying that bank will issue 2nd check in amount of USD XXXX however the 2nd check never arrived. I called many times at the bank to obtain tracking number but they did not provided that. I would like tracking number for the check the bank is stating that they issue. On XX/XX/XXXX bank said that they issue check for XXXX but I did not receive anything yet. 

In addition to that bank never answered on how to get remaining fund of USD XXXX. That fund was deposited by my employer via direct deposit so I would like Citibank to send that money back to employer so my employer can reissue the check. I have talked to my employer multiple times as well but they are waiting on bank to release the fund back to employer ( XXXX ). My employer is not able to reiisue the direct deposite until bank releases the money. 

I tried calling bank more than 25 times but no resolution. 

This issue is going over 120 days without any explanation Citibank has been holding ( stealing ) my money. 
Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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:
This is my formal complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXXACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten 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 explanation
Consumer complaint received 2022-11-17
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am approved for the HAF. Flagstar told me months ago when i was approved to email my award letter to them at an address they provided and I would NOT be assessed any late fees during the next 18 months of the program. Now, for the first time, Flagstar has NOT applied my payment to my account in time, it has gone past the grace period, and I WAS charged a late fee, contradicting what they told me would happen. Everyone i speak to about it on the phone is clueless and just passes the buck to another dept. who can't or won't help me rectify the issue.

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 2023-11-17
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXXXXXX  I made a request to my service provider, Nelnet, to request a refund for the payments I made during the COVID forbearance. I was told it could take up to 90 days. I had found out I qualify for PSLF and getting the refund prior to XX/XX/XXXX would allow me to consolidate the student loans and apply for an income driven repayment program and one time IDR waiver/adjustment. However, after speaking with Nelnet on XX/XX/XXXX, the service representative informed me that it could take up to a year for them to process the refund, the accounting department has no timeline for when it will be done, and if it is not processed until XXXX, it wouldnt be subject to the one time adjustment and I would have to take that up with the department of education. The amount they owe me is XXXX XXXX Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I was part of a XXXX data breach, my SSN was exposed and since then I've had multiple issues with identity theft. This debt is not mine. It took Place in NC and I live in FL. I have submitted disputes with credit bureaus and in the process of submitting fraud alert with the collection agency involved. This has hurt my credit multiple times from unknown debt that goes to collections without my knowledge. 


Original Balance : {$280.00} Current Principal : {$280.00} Interest Due : {$5.00} Total Due : {$280.00} ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/22 XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: DISCOVER BANK
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/2021 I found an unauthorized transaction XXXX XXXX XXXX XXXX  charge {$85.00} XXXX on my Discover credit card. I called and disputed this charge with Discover. They investigated it and they said this charge was valid and refuse to reverse {$85.00} to me. The Discover told me I need to contact with XXXX XXXX to get a solution. 
It is just because the XXXX company have provided some documents to Discover? so I have to pay this charge? It is unfair for a customer like me. 
Case Number : XXXX Merchant Name : XXXX XXXX Dispute Amount : {$85.00} I think the credit card fraud use is not a consumer 's faulty, right? My vehicle is small XXXX XXXX XXXX XXXX the full tank is about 15 gallon at most XXXX and never can add over 25 gallon, {$85.00} XXXX unauthorized transaction by somebody ). 

After this unauthorized transaction, I was frozen the credit card so nobody will be continue to use it again. But on XX/XX/2021, I found somebody used the card again on XXXX gasoline station - XXXX XXXX and fortunately I blocked it. 

Please advise me how should I do for this situation? Thanks you very much XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Citibank Aadvantage Platinum Select World Elite MasterCard account XXXX # XXXX ) in XX/XX/XXXX. Their promotion promises that I would receive XXXX Bonus Miles in my Aadvantage Frequent Flyer account if I spent {$2500.00} in the first three months of account opening. On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I charged a total of {$2800.00} to my Citibank MasterCard. As of this date, XXXX XX/XX/XXXX, four months after opening this account, I have NOT received the XXXX Bonus Miles in my Aadvantage Frequent Flyer account. Why have the promised miles NOT been posted to my Aadvantage account? 

I have called Citibank multiple times and either not received an answer or have been placed on hold for an interminable time. My time is more valuable than that.

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