BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Maximus Education, LLC dba Aidvantage
State: MO
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:
I received a letter from Aidvantage about setting up an automatic withdraw for my student loans. I was granted the full teacher loan forgiveness {$17000.00}. In I believe XXXX. I followed all the guidelines to consolidated and make specified payments. The remaining amount of my loans had been forgive with the teacher loan forgiveness. I have not make a payment towards my student loans since XXXX since they had been forgiven. I have tried on multiple occasions to contact Aidvantage. I have sat on the phone for up to hour waiting. I have tried to call weekly since I received the letter since XXXX. I still have yet to talk with anyone. I have emailed a few times. I finally received an email back on XX/XX/XXXX. I emailed back because the dollar amounts they reported were not correct based on what was originally reported from my XXXX service account. I contact XXXX service and they too were unsure of how the outstanding balance it still there. They said they would send a complaint and suggested that I do so as well. I have continues to try to call Aidvantage and still not luck. I am now 2 months behind on payment and getting nervous about my credit. However, I do not want to make payments as this balance should not still exist. I looked on the internet to see what other options I have. It was recommended to file a complaint through CFPB. I am still in contact with XXXX XXXX and they said they intend to move the complaint forward as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Mortgage Acct Number : XXXX for property sold at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I have contacted 53rd bank several times in an attempt to have my {$800.00} overpayment of escrow refunded to me, but the bank has refused. I sold my property in XX/XX/2022 and the amount in escrow for tax was to be refunded to me. It states this in my closing documents. The company tells me they issued ( and reissued ) the check, but I have not received it. This has been going on now for 3 months. Each call to their office takes hours to complete because their hold queue/customer service is not properly staffed. The escrow overpayment amount was on the website in my account history, but the company has revoked my access to my account history since the mortgage has been paid off. I no longer have access to my statements or anything. I want a copy of my escrow statement which they have not provided and I want a refund of the escrow overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i was offered the 3 months hardship for the hurricane Irma after the 2nd month the wells fargo bank sent me letter and called me saying i was behind on the mortgage by 3 months and I told them ive sent them the last mortage payment before the hurricane how could i be 3 months behind, the person XXXX told me oh they recieve the last payment but did not apply it and could not clearly explain why, and they were not approving for the hardship program and i need to pay the remainder now and I asked I was told by the lady after the hurricane that all would be good and they would put my account for the the 3 month hardship program if i wanted to and i said yes please and than XXXX said Oh i apologize for that and there is nothing he could do this he said when he contacted me after over 2 months later

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 2020-03-14
Company: LDF Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a {$500.00} loan today, online, after being approved and routed to the lender through a mobile app ( XXXX XXXX XXXX  ). After signing the loan agreement I then emailed their support line explaining my cell phone had been disconnected and could only communicate via email. It was at this point I realized this *could be* a scam. I communicated via email with someone associated with the lender whose rapid response time and punctuation used in the email seemed concerning. I did decline the loan via email and was given verification that my request and cancellation had been received and processed. I am now concerned considering this person or group has my personal information and a signed agreement from me, not to mention my bank account information. If and when I do receive the funds ( which I declined and was given confirmation of declining ) I will then be on the hook for the interest of which I used as the basis to decline the loan ( the interest rates fall well out of fair lending guidelines and I am happy to provide the loan agreement paperwork and emails as proof should you need that to assess a fine to the company or motion to have it dissolved immediately ). Believe it or not I also have several personal contacts of whom I know firsthand are involved in predatory lending scams and Internet crimes and I would absolutely love them to be incarcerated for these crimes and removed from the ability to continue to commit acts against others. Im extremely tired of this ( excuse my language ) XXXX from these trash people too XXXX  to earn money like normal XXXX people and the fact that theyve singlehandedly perpetuated the ruin of my local not to mention National economy is so infuriating I can not even begin to fully express that in words. Thank you so very much for your time and attention and I look forward with extreme jubilation to dealing with the next XXXX thing that will come down the pipeline from the simply act of applying for a bogus predatory loan from some XXXX  ( yet hopefully sterile ) piece of human XXXX and will certainly my follow-up on this specific complaint as it applies to this specific situation should I receive finds or should this situation appear on my credit report at some point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Starting on XXXX i had unauthorized charges done on one of my credit cards with Bank of America XXXX I was at work on the XX/XX/2021 until XXXX. I left straight to XXXX XXXX after that and didnt come back to work until the XXXX of XXXX. I had a call from Bank of America her name was XXXX, she said something about fraud charges. I logged into my account and noticed there was numerous transactions i did not do or authorize anybody with the card. I checked my card case and my card was gone with my chase card as well. I called Bank of America immediately to tell them that it wasnt me because when i logged into the Bank of America app it had my verify the information if it was me or not. I freaked out so filled it out and called them and told them it wasnt me. I rarely use this card unless its an emergency. They opened a fraud dispute on the transactions and denied them, i called them back and they reopened it but this time i did a police report and provided them with that information. There was a total of 8 transactions done. The ones on the XXXX of XXXX are as from XXXX XXXX for XXXX, XXXX XXXX and XXXX XXXXXXXX For the XXXX the first one is XXXX XXXX XXXX and the second one is XXXX XXXX XXXX For the XXXX theres one at the XXXX XXXX for XXXX, the XXXX XXXX for XXXX and XXXX XXXX XXXX  for XXXX I cant believe theyre denying my fraud claim that wasnt me. Im frustrated that they havent came up with a resolution and they sent me a letter saying they contacted some reporting agencies to add a comment on my credit report stating that i disagree with their decision on my claim. I am not responsible for these charges because i didnt do them. Ive never had to go through this before and the fact that they cant seem to come up with a resolution is frustrating on my end.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are inquiries that are reflecting on my report that i did not authorize XXXX XXXX XXXX XXXXXXXX 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 2022-11-08
Company: Experian Information Solutions Inc.
State: ID
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: IL
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 opened a dispute regarding a bankruptcy on my credit report with Equifax many times since 2020 and they continue to close out the dispute within a couple days, stating that it has been verified. 

When I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. 

https : //equifaxconsumers.XXXX  I also sent the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Equifax via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Equifax today because there have been no remarks added to the bankruptcy about the dispute since the XXXX and the person I spoke with, told me that the dispute was opened and is already closed ( Confirmation # XXXX XXXX XXXX ). He said the notes in that dispute simply state that bankruptcies stay on a report for 10 years. This shows that Equifax doesn't do any actual investigations and the person I spoke with also confirmed that he saw my letters and Equifax still refused to do any actual investigation of their own. He said there was nothing he could do except open another dispute ( Confirmation # XXXX XXXX XXXX ). 

This needs to be deleted from my credit report if they can not verify the bankruptcy within 30 days. The OCR and E OSCAR verifying this info is not recognized as proper validation.

At this point, I have no choice but to open a complaint with the CFPB in hopes of getting this resolved, they have made a serious impact on my credit for something that doesn't belong to me. My next step will be legal action against Equifax if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; SXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a TransUnion dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  online and thru a TransUnion customer service representative on XX/XX/2023. When I followed up about my dispute in XX/XX/2023 via phone and via the TransUnion website, I did not receive any information about the dispute. The representatives said the dispute did not exist, and the website gave me an error message stating " no access ... ''. The representative later said the account was updated by the merchant. I asked them about the status of the dispute and whether the merchant responded to my dispute. The representative attempted to confuse me by using the terms 'update ' and 'response ' interchangeably although the two terms differ in meaning. One representative told me that due to the merchant disagreeing with the dispute, the error or problem will remain on my credit report. That representative also told me that TransUnion does not conduct investigations. Other representatives did not see a dispute in the system at all. I called TransUnion on several different days in XX/XX/2023, and several representatives began letting the call continue in silence or unresponsiveness. I am unable to view and track my dispute in written form. I am unable to view and track my dispute in any other form.

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 2022-10-07
Company: Diversified Recovery Bureau LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022, Diversified Recovery Bureau, LLC emailed me a notice of balance due. Email was received at XXXX XXXX. 

On XX/XX/2022, Diversified Recovery Bureau, LLC called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They left messages at XXXX XXXX, XXXX XXXX and XXXX XXXX. 

XX/XX/2022, I called Diversified Recovery Bureau, LLC at XXXX XXXX to inquire why they would call me 4 times in a matter of minutes. I was told by Diversified Recovery Bureau , LLC that they had only called me once. I told them that no they had called me multiple times and left multiple messages. I explained that when someone calls me repeatedly like that I immediately think something has happened with my daughter. They denied they did any wrongdoing or that they called me repeatedly. I have the phone record and voicemails proving otherwise. 

They asked if they could call me in the future my answer was a firm no and assured them that I would get the debt taken care of.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
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:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$400.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: STATE FARM BANK, FSB
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I received an e-mail on XX/XX/2019 from my state farm agent who informed me the roadside assistance was being removed at my renewal. I used the roadside assistance 7 times in the last 3 years and because the average household uses it once every 3 years it is being removed. I was informed by this e-mail there is nothing that can be done to reverse the underwriting decision. I then received this information by mail dated XX/XX/2019. Both documents included the dates of my roadside claims. I was informed by my state farm agent that because the coverage is very inexpensive it would only save about {$1.00} a month with it being removed. The state farm agent did pend the records to check back in a years time to see if it can be added back on. I enjoy and rely on the roadside assistance and having it removed without a second option such as adding on a frequent use roadside assistance program is upsetting as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CCS Financial Services, Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation