BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I received a letter in the mail ( from XXXX ) that indicated someone was trying to open an account with my personal information ( it was addressed to my first name and address, but the last name was wrong ). I received one of these letters in XXXX of XXXX and reached out to Equifax, XXXX, and XXXX to freeze my credit. 

This morning, I contacted XXXX and they put notes in the system to deny the application and then I reached out to XXXX, XXXX, and Equifax to ensure that my credit was still frozen as I have not requested the freeze to be lifted and it should be frozen until XXXX of XXXX. I had no issues with XXXX or XXXX  as I was able to confirm my freeze was in good standing. With Equifax, however, after sharing my personal identification information, I was told that I would have to physically mail them my original social security card with a request for information regarding my credit. This is the same company that had a major data breech in XXXX and compromised not only my personal information, but that of millions of people. If I am coming to Equifax to protect myself because someone is trying to use my personal information, if I can identify myself through their 15 minutes of questions and a private PIN number, and am asking them to confirm that my credit is still frozen - not asking to remove it, then they should be able to comply with my request to protect myself. THEY have proven themselves NOT trustworthy and are REQUIRING people send them ORIGINAL GOVERNMENT-ISSUED documents before they will complete a request to protect the public. They are not reliable, they are not trustworthy, don't have the public 's best interest. They, and their practices, need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Exeter Finance Corp.
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: Problem with personal statement of dispute

Complaint:
I just received notification of a 30 day late payment on my credit report. I helped out my daughter with getting a car, and I co-signed for her, and she was 30 days late. My issue is the company took XXXX points off of my credit for a 30 day late. This is beyond crazy, and overexert authority of this company. I understand XXXX maybe XXXX points for my daughter not paying on time, but almost XXXX points. I strongly disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I have been trying to get a freeze lifted or my pin to unfreeze my account from Experian. There is no way to talk to anyone. I have sent numerous letter and tried on line and by phone. I am trying to get some credit and unable to because of this freeze. I need 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 2021-07-06
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:
Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX  XXXX XXXX XXXX  Account for {$150.00}. The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Equifax and XXXX  Credit Report in XXXX of XXXX. XXXX  was the only credit bureau that removed the account in its entirety. 

I contacted Equifax and XXXX  on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. XXXX  sent me an alert XX/XX/XXXX innforming me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. 

I spoke with a representative on XX/XX/XXXX from XXXX  and they stated that they are unable to update the chargeoff as Paid. l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Consider this as a follow-up complaint to my previous complaint dated XX/XX/2023. 
The accounts that are erroneous in my file must be removed due to their inaccuracies Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX balance {$62.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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 2019-05-02
Company: Experian Information Solutions 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:
The XXXX XXXX XXXX and XXXX service has fraudulently put a negative item on my credit report. I have attached appropriate documentation. I demand that this item is removed 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 2021-07-06
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I settled this already, out of court, back inXX/XX/2019. The apartment agreed to take XXXX rent and let me out of the lease. It appeared on my credit a couple years later and I disputed it off. Now, its back again.

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 2021-06-09
Company: EQUIFAX, INC.
State: CA
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 filed several disputes on regards of the unverifiable accounts reporting on my consumer credit report causing me a great deal of issues when going to a financial institute to extend myself credit. please help me verify these accounts, and if can't comply with the requirement of my attachments I will be seeking remedy on every consumer violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early in XXXX I requested that M & T Bank drop the PMI insurance from my mortgage. I was subsequently sent a notice that the PMI would not be dropped because I had not met 2 of the criteria in order to do so. One of the criteria required me to make an additional lump sum payment towards the principle, which I did. The other requirement was that the loan had to be in effect at least 5 years. I was told verbally by M & T that that period would be in XX/XX/XXXX. When I called in XX/XX/XXXX to find out when I would receive a new payment break down, I was told that the PMI could not be dropped until XX/XX/XXXX because the 5 year mark was on XX/XX/XXXX. The payment statement that I received from M & T shows an increase in the monthly payment due to their escrow analysis, which includes the PMI charge that I will no longer be responsible for. I called M & T Bank today ( XX/XX/XXXX ) and asked again for a new escrow analysis so that I would know what my correct payment should be on XX/XX/XXXX. I was told that I could not receive that new payment figure since the 5 year mark ( XX/XX/XXXX ) had not yet arrived. I asked if I called on XX/XX/XXXX if they would then send me the correct payment amount so that I could make my XX/XX/XXXXpayment on time. I was told that the analysis may take up to 60 days before it takes effect.

It is obvious to me that M & T Bank is stringing us along, and probably thousands of other mortgage holders as well, in order to collect additional PMI payments.

The resolution to this problem is simple. I need the correct payment amount for XX/XX/XXXX that does not include the PMI. 

Thank you in advance.

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 2021-10-06
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Wells Fargo Bank used the right to offset twice by taking money for my wells Fargo XXXXXXXX XXXX out of my XXXX account. That is against the law and Wells Fargo sent me a letter w the case number XXXX stating that they had the right to take {$530.00} from my checking account on XXXX XXXX. They also took {$2700.00} on XX/XX/XXXX or XX/XX/2020. When I called Wells Fargo Bank in XXXX of this year I spoke to XXXX different bank employees back to back because my call was " accidentally dropped '' I got 2 completely different stories and date from the wells Fargo employees. The XXXX representative I spoke to was XXXX and the second one was XXXX. They overdrafted my account after my mortgage, also from Wells Fargo was deducted from my XXXX account. The mortgage then reversed the payment but kept the offset. The money that Wells Fargo took from my XXXX  account was for my XXXX XXXX debt. When I spoke to the man in the XXXX department, he said that Wells Fargo had the power to offset even though the XXXX government does not allow the right to offset for credit card debt. They sent me a letter on XX/XX/XXXX XXXX again stating that they had the right to remove those funds from my account. I believe that Wells Fargo broke the law and knew they were doing it. I would like to get a total refund of the 2 right to offset that Wells Fargo Bank took from me and I would like to see them punished for their illegal acts. Thank you 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 2019-05-02
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XX/XX/2018 I tried to open an account with with People United Bank, NA ; XXXX XXXX XXXX XXXX CT XXXX and was told no. It also shows up on XX/XX/2018 and XX/XX/2018 that I could not stand account and I tried to resolve it with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the 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 2022-01-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX am federal protected under the FDRA and FDCPA. XXXX XXXX violated me and are damaging my consumer report of a balance of {$15000.00}. 15 usc 1681b, 15 usc 1666b, 15 USC 1692D ( 4 ) and harassment 15 usc 1692D ( 5 ). I have kept careful Records of this situation. This account reporting on my report without my written or oral consent.

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 2023-02-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debt buyer, Has violated my right. 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 602 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. this account still show revolving and charge off in my credit report and this needs to be removed by law been incorrect information and dates. also it was reported as late payments for many months even though they knew i was going through bankruptcy, they improper used my credit report and this accounts needs to be removed also all the late payments needs to be remove from my credit report by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: VI
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:
I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 my bank account was hacked at XXXX XXXX XXXX Even though I have never done large transactions in my life. The bank failed to noticed that in that month over {$10000.00} dollars was removed without my consent and knowledge. I tried calling the fraud department and the told me since my name was used, they assumed it was me. No restriction was put no call was made to me to see if indeed it was me making those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Direct Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In mid XXXX we started receiving phone calls at my grandma 's from some debt collector for my estranged mother. Neither I or my grandmother ( her ex mother in law of 30+ years ) have had anything to do with their client ( my biological mother ) in several years. I have told them this repeatedly! I even gave them a current phone number for her, and yet about once a week or so we still get calls from the collector. It's for about {$4000.00}. They are extremely rude, and I am terrified that they are going to do something to either of us but especially my grandma. It's not our debt! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Documentation : Over XXXX and XXXX : On the course of about XXXX  months, I paid down XXXX towards my student loans from XXXX different bank accounts both the bank statements and proof of my payment history. For clarity, the money was paid from XXXX bank accounts. The first bank account was my business account ending in XXXX and a personal bank account ending in XXXX. 

On XX/XX/23 I requested to receive all of that money back for an important medical procedure. They assured me I would receive my money in XXXX  days thus XX/XX/23. 

On XX/XX/23 I received {$8400.00} dollars to the bank account ( business ) ending in XXXX. 

At that point, I called on XX/XX/23 asking for the larger amount ( about XXXX left ) and did not receive an answer. I subsequently called on XXXX various occasions and not a single person at Mohela could give me any information. At XXXX point, someone said they could see on my account has been reimbursed for {$500.00} ( not true ), and I have called and spent over XXXX hours on the phone trying to reach someone in leadership to give me routing numbers and answer where my money was. I spoke to a Supervisor named XXXX would said I would receive a call back and never did. 

On XX/XX/23 I was extremely concerned given the timeframe for the XXXX  days was ending. I called in and asked for a case number. They could not provide XXXX. They gave me a call number Case number for that days call : XXXX. On XXXX as well I provided bank statements for both bank accounts starting in XXXX providing I had received the initial. Mohela also has not acknowledged that they is an accounting issue on their end. 

On XX/XX/23 I received a message ( also attached ) from Mohela stating my issues had been resolve. 

At this point on XX/XX/23 I have heard nothing and have spent XXXX hours on the phone. I am experiencing panic attacks, not sleeping, and I am no closer to resolution. Please help me. 

XX/XX/23 Submitted Case to Student Aid.gov - case number XXXX Federal Trade Commission case number XXXX

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