BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with XXXX XXXX XXXX and I always made my payments on time. For some reason, I realized that there were 30 days of late payments for the month of XX/XX/2021. I have read enough to understand my rights. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like remedied ASAP. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
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: Account information incorrect

Complaint:
Transunion : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.

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 2023-02-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The auto dealer had settled the loan in full, but Ally Financial Bank incorrectly processed the amount and is still claiming I owe money. Furthermore, they are inaccurately informing the Credit Bureaus that I am delinquent despite not being so. I have all the documents to support my case. I have attempted to contact Ally Financial numerous times in order to resolve this discrepancy, but I have been unable to get them to correct their systems. I even sent a formal letter via certified mail but they have still not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On a Saturday I transferred money from my Regions Bank XXXX account to my Regions Bank XXXX account via online banking. I reviewed my checking account balance to see that the transfer went through and the balance reflected the transfer. Then I went to XXXXwo stores and made purchases using my debit card. On Tuesday morning, I checked my account online and noticed that it was negative. After further review I saw two bank overdraft charges for the two purchases I made after transferring money into my checking account. I called Regions bank customer service and asked the agent why I was charged two overdraft fees for the purchases when I transferred more than enough money into my account before making the purchases to avoid overdraft. She informed me that the bank was closed on weekends and on Monday mornings their policy is to post all the debits first then the credits. They do not post in the order the transactions were made. So they essentially charged my account for the two transactions before they posted the transfer which made my account overdraft because there wasnt enough money in the account to cover the transactions which is why I did the transfer in the first place. After which they charged me an overdraft fee for each transaction after 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
Consumer complaint received 2021-07-08
Company: ERC
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BMW Financial Services NA, LLC
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:
BMW financial services is reporting a balance twice on my credit report. Also the balance is incorrect. I do not owe BMW anything. They also have an account trying to collect twice with a collection firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have Tried to contact Transunion Customer service and they were not helpful/ didn't want to help- Have also attempted to dispute online and ail in letters into them as well with no avail and no update or any communication from them. It has now been 2 months and every attempt has been unsuccessful. The information displayed on my report is not accurate and is vastly different from other Credit Reporting Agencies. Specifically Transunion is showing 50+ Inquires that are not mine / were no authorized pulled by me. 

Inquiries In Question are as follows : 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  These inquiries were not authorized by me nor do I have any part in them - They have been discovered during a review of credit reports. As previously stated I have contacted customer service, sent letters in the mail several times and have gotten no help or resolution as if they want them to remain and don't care about accurate consumer reports. This is the only credit union that refuses to help- XXXX and XXXX have gladly resolved these issues and cleared and deleted them while Transunion does nothing I would like these removed ASAP from my credit file or I will pursue an attorney to get this resolved - I am trying to do things the proper way and they are failing to help me as the consumer by ignoring everything I send them and customer service refuses to help as well and says to impute them and then nothing happens. This is getting ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
he issue is causing me significant XXXX XXXX  XXXX, to the point where I'm XXXX XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2021-07-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed the XXXX XXXX XXXX Account # : XXXX several times to the credit bureaus but I have not getting any response regarding the results.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-08
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Prime Recovery LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Took out a loan with XXXX XXXX on or about XXXX in the amount owed of {$1000.00}. Was unable to repay the loan and it was turned over to collection. We finally were able to pay a compromised amount of $ XXXX % of the amount owed. At the same time XXXX XXXX turned our loan over to other collection agencies. A second agency attached fees and demanded {$1800.00}. We only had 1 loan and as such only paid from the original amount. We paid the debt on XX/XX/XXXX and received from XXXX XXXX a letter stating the matter was closed and it is dated XX/XX/XXXX. We are now being harassed by Prime Recovery LLCXXXX XXXX. They are also harassing my XXXX XXXX XXXX mother. On XX/XX/XXXX I send a letter and documentation stating to " Cease and Desist '' with proof of our payment. The letter and documentation was received by Prime Recovery LLC 's office on XX/XX/XXXX at XXXX. I am now keeping records of all calls to our home, emails, cell, my husbands work cell and to my mother. Just today they contacted my mother 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My former employer opened a Health Savings Account for me with Bank of America in XXXX. I contributed monthly to this account and so did my former employer. In XX/XX/XXXX, my Health Savings Account was suddenly closed by Bank of America causing medical payments to bounce. The account also had two {$300.00} distributions taken out of it in XX/XX/XXXX. When I complained to Bank of America at the time, they gave me access to a new account that did not show any former transactions. I let Bank of America know then that I wanted access to the Health Savings Account opened for me in XXXX showing all transactions, and that never happened. I received no clear explanation for who closed the account, why the account was closed and where the two {$300.00} distributions went. I received a tax statement in XXXX with no clarity for how the fair value of the account dropped from over {$2900.00} to over {$600.00} ( see attached tax statements from XXXX to XXXX XXXX. I filed an identity theft affidavit ( police report and FTC report ) and was never able to use this account for medical  payments. The account was also eligible for investment and this could not happen. 
I recently received a card for a Bank of America Health Savings Account with my maiden name on it and my current address. Please be advised, I did not open a Health Savings Account with Bank of America and continue to ask Bank of America for a clarification of what happened to the XXXX benefit that I received in XXXX which they terminated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: AXIA FINANCIAL, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My realtor recommended XXXX XXXX from Axia Home Loans as early as XX/XX/2019. XXXX got my Certificate of Eligibility from VA dated XX/XX/2019. And I haven't heard anything from him. After few months XXXX called me and introduced herself as she will be assisting XXXX on my loan. I submitted all required documents date XX/XX/2019. 

The builder sent XXXX letter dated XX/XX/2019 informing him of my original closing date of XX/XX/2019. I was surprised that I have not heard what the next steps in loan processing from XXXX. 

To make things worst my house got sold and the closing of the new owner corresponsed to my initial closing date but my didn't happened. 

My realtor called XXXX and was told that my closing is XX/XX/2019 which I do not know where the date came from. 

My house got sold and I moved out on the XXXX of XXXX not knowing where to go. I ended up staying in a hotel with my mom from the XXXX to XXXX of XXXX trusted the company that I will be closing to my new home. But didn't happened at all XXXX came in to my house on XX/XX/XXXX rushing all the information/documents needed again to be submitted which I comply again. Though everything was submitted on XXXX. 

Then XXXX called my realtor saying that the underwriting will send out a Decline Decision on the same day again that I supposed to closed ( XX/XX/XXXX ). Checking out on the hotel and found out I do not have a place to stay. My friend offered but she got a family emergency. Then now we are staying at my brother 's house and I have to share at least {$300.00} a month for the 2 rooms that me and my mom are occupying. 

Axia compliance manager reimbursed me with the hotel ( XX/XX/XXXX to XXXX ) and the movers and 1 month rental of storage. But till now until I get into the new house need to pay the storage fee. 

XXXX know his job pretty good I supposed cause he was recommended by my realtor. But why in my case, he took his sweet time to help me with my loan. XX/XX/2019 he got the VA LETTER then I submitted everything on XXXX. The only thing XXXX said because my salary is small that's why it fell through. I worked and I received DIC from VA. If he did his job that so many months have passed I have nephew to help me with the loan. But no information was shared to me. XXXX discriminated me to get the roof over my head. which my XXXX Veteran husband wished before he passed away.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported 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 explanation
Consumer complaint received 2023-11-22
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet recently put me on the XXXX plan without my knowledge or consent, even though I had repeatedly requested to be on XXXX or XXXX. 

I was on XXXX when my account first transferred to Nelnet, as the attached communications clearly show. Nelnet eventually said that I did not qualify for XXXX, but I had been clear in my emails that I wanted to be on XXXX or XXXX, and even requested before the application had processed that I wanted to be SAVE instead. 

Nelnet has tried to say that they merely returned me to the XXXX plan, but this is not correct. I have ample evidence that I was on XXXX before the request to move to XXXX. Nelnet should have returned me to XXXX 

I should not have to make a payment or have my interest capitalized because Nelnet has made an administrative error.

Company response to consumer: Closed with explanation