BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-20
Company: EQUIFAX, INC.
State: DE
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:
Identity theft, and or Fraud has been done on the accounts below. I did not make these transactions pursuant 15 USC 1681c ( 2 ), 15USC 1681q ( 3 ) you or anyone of these companies did not have Permissible purpose ( 15USC1681b ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ). I have disputed things and with out investigations you say you have and its accurate. An investigation 15USC 1681a ( e ). That was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}

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 2023-07-24
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : VA XXXX XXXX LLC ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

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 2021-09-09
Company: EQUIFAX, INC.
State: TN
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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MOHELA
State: WV
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:
I am not sure that MOHELA is properly administering the new SAVE repayment plan on my student loans. On XX/XX/2023, when the COVID pandemic forbearance was still in effect, I applied to switch to the SAVE repayment plan. Please see the attached PDF from studentaid.gov. The interest on my student loan was frozen during the COVID pandemic forbearance. My student loan servicer MOHELA processed my SAVE plan request on or about XX/XX/2023, when the COVID pandemic forbearance was still in effect. Please see attached letter from MOHELA. My monthly payments are {$220.00} under the SAVE Plan. My total student loan balance was {$250000.00} on XX/XX/2023, which is the date the COVID pandemic forbearance ended. Please see the attached screenshot. As of today, XX/XX/2023, my student loan balance is {$250000.00}. Please see the attached PDF of my MOHELA borrower portal homepage. Studentaid.gov specifically states : The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. Please see the attached from studentaid.gov. Even when you add my {$220.00} monthly payment to my {$250000.00} loan balance at the time the COVID pandemic forbearance was in effect, my balance should only be {$250000.00}. My balance should increase to {$250000.00} per month at the most and then revert to {$250000.00} after I make my {$220.00} monthly payment under the SAVE plan. While I am certainly not an expert on the nuances of the SAVE plan, MOHELA has failed to adequately explain its practices to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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:
I have inquired with XXXX and Experian to remove : US BKPT CT GA XXXX from my report. This item is causing my livelihood to be interrupted and I can move forward. Under the 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions. Please remove this item so that I can apply for jobs and purchase needed resources to better my living situation.

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 2022-08-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from equifax and XXXX. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: NJ
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:
I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized CREDITONEBK Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please Delete Immediately .5Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX  XXXX Account Number : XXXX Please Delete Immediately

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 2020-09-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, I purchased two XXXX XXXX and in XX/XX/XXXX, I purchased the XXXX XXXX XXXX. The companies I purchased these products from offered financing through Wells Fargo Home Projects. The XXXX XXXX were financed through a XXXX promotion. Wells Fargo automatically determined the minimum monthly payment of {$310.00}, which was stated on my monthly statement. If I paid this minimum monthly amount, I would payoff the loan in 48 months with no interest due. Both project loans were rolled up into one account and monthly statement. 
Unbeknownst to me, the XXXX XXXX XXXX was not set up in the same manner. Wells Fargo set the minimum monthly payment of {$76.00} instead of {$180.00}. When the 12 month period expired, I still owed {$1200.00} at an interest rate of 28.99 %. I did not notice this until XX/XX/XXXX and immediately called Wells Fargo Customer Service to rectify the situation. While I believe Wells Fargo 's actions of not treating the two loans in the same manner to be dishonest and fraudulent, to prevent being charged another month of interest, I asked for the balance of the Leaf Filter System loan. I was told by XXXX, a supervisor of in the Wells Fargo Customer Service department on XX/XX/XXXX that the remaining balance was {$1500.00}. I immediately mailed in a check for that amount and included a note to apply this check to the expired loan ( XXXX XXXX XXXX ) and requested a letter stating that the loan had been paid off, which was never received. I have since received a statement from Wells Fargo stating that I still owe {$480.00} for the XXXX XXXX XXXX loan. Wells Fargo 's justification for this additional charge is very vague and no documentation to support this additional charge. Therefore, I am disputing this additional charge.

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 2021-08-12
Company: JPMORGAN CHASE & CO.
State: MA
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:
This is in regards to a Late Payment reported on my Credit for the month of XX/XX/2021 my JPMorgan Chase Bank. 
I have always had an impeccable history of making payments on time. 
In this particular instance for my XXXX statement, I made the statement payment through my Savings account. I had been using this account to make my payments and in the previous month there were instances where the payment was taken out of this bank account without any problem. 
I only got notified from JPM Chase that the payment was unsuccessful.

Also as a back up, I had an monthly Auto Pay setup from a different bank account than the one above. JPM had been taking out this monthly auto pay in previous months but did not do in XXXX. 
If the above statement payment did not go through for some reason, the auto pay should have gone through. If prior month payment transactions and monthly auto pay went through without any problem, how could these transactions not be possible in XXXX. 
Even if the payment transaction from one bank account did not happen the other monthly auto pay should have kicked in.

This has adversely dropped my Credit score and would want to get this fixed. I do not believe it is my fault as I made the payment and also setup an monthly auto pay which had been working in the past months. I would like for JPM Chase bank to fix the reporting of the late payment on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I bought the car when I lived in the state of virginia it was financed by citizenone loan number XXXX and the title is found on the website XXXX the dmv of the state of florida has requested and this server the transfer of the title to the state of florida and my title support does nothing, I have confirmation number XXXX, and the last 4 are, XXXX and nothing to do the transfer, I am No tag, I can't use that car and I have to pay for it. 

my title support says to contact me by email and they don't have it on their website. 

The bank does nothing as long as you visit the mytitlesupport website. 


That is my complaint. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: SC
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2021-05-15
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In early XXXX my binance account was suddenly restricted from being able to make trades or withdrawals. They said I need to verify my identity, so I submitted the appropriate information. After a number of days ( unsure of the exact number ) I was still unable to trade or withdraw funds, so I put a support ticket in on XX/XX/XXXX. My ticket number was XXXX. From that date until now, I have still been unable to trade or withdraw, and I have had no meaningful response from Binance other than saying they have a lot of tickets they have to process and they are behind. They have had my information for over a month to verify my identity, which is basically just my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-08-27
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is trying to collect a debt that is the result of identity theft. The originating company, XXXX XXXX, claim they have written off the account as there is no record of my ever having service with them in XXXX Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation