BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXX at the XXXX XXXX USA XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX  bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added one to mXXXX XXXX XXXX but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo tried to charge me extra for a part of the loan that was never discussed.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-12-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BMO HARRIS charged me 10 ( TEN XXXX overdraft fees, when I specifically told them on the phone and online, that I do NOT want overdraft. 

BMO HARRIS paid a {$12.00} overdraft and then charged me {$70.00} dollars, which is a 600 % profit for them. USUARY and FRAUD. 

I told BMO HARRIS. If there is not enough money in the account, do NOT pay any fees. Simply decline the transaction. For the sole purpose of defrauding their customer, BMO HARRIS decided to pay {$12.00}, then charge me TEN ( 10 ) overdraft charges. 

BMO HARRIS has now sent my account to XXXX  XXXX  You must prevent this customer abuse. 
1 ) I never requested overdraft 'protection ' 2 ) Charging customers a 'FEE ' of 600 % is fraudulent and abusive

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 2017-07-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX 2017 {$500.00} I have filed a dispute with XXXX XXXX XXXX to verify because no contract was signed they sent back it was verified with no proof

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 2023-09-08
Company: EQUIFAX, INC.
State: CA
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:
Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter. 
They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year XXXX  everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
XXXX, XXXX and EQUIFAx have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and along with inquiries with that I did not authorize but XXXX and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.

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 2022-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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 applied for a mortgage loan. I was told my score did not qualify. I challenge the creditors and was told I had to deal with the credit bureaus. I had to have a certain score!

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 2019-12-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied to for a reduced payment based on the fact that I no longer have a job and am doing independent contractor work. I uploaded the documentation they asked for and it was ignored. They claimed that my application was blank but they processed it anyway. When I called after to find out why the amount was still the same after the approval I was told that my documentation was not acceptable but prior to me calling, there was no documentation stating that my documentation was not acceptable. They simply ignored it and used my income from the prior year. I spoke to XXXX XXXX who confirmed this information on XX/XX/2019 at XXXX and was on the phone with them being transferred for about 50 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check for an amount of {$XXXX} at a USAA ATM machine in XXXX. When I deposited the check only a portion of my check was made available. I immediately called USAA to understand when the funds would be released. The USAA representative expressed that the full amount would be available the morning on XX/XX/XXXX. That next day my account indicated that I had an available balance of $ XXXX in my account. I went on to make payments and my debit card went through on all occasions. Later that day I went on the app and noticed that there was still a hold balance on {$XXXX}. However, my available balance still read that I had $ XXXX available. I called USAA and another rep stated that the check was being held until XX/XX/XXXX which went against what I was originally told. I was irate as this negatively impacts my finances as we are approaching XXXX and the holiday season. I have travel plans arranged and now am unable to follow through with those plans. They indicated that they could not make an exception and that it would be escalated to an advocacy group which will take up to XXXX business days. Given that is a Friday it would not be until next week. Now my account is in negative standing and I have XXXX access to funds and unable to celebrate the holidays with my family. I paid a large bill using another account thinking that the check would clear and am now stuck with {$XXXX} going into the holidays based on FALSE information by a USAA representative.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Amscot Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent my son funds through XXXX XXXX MTCN # XXXX. He went to Amscott XXXX XXXX XXXX XXXX FL to pick it up. He had the MTCN number and his Identification. XXXX at Amscot refused to give him the funds as she stated the funds were released from XXXX FL and he was picking up in XXXX FL. I was at a corporate event which I had to leave to drive up to Amscot and show my identification. I gave XXXX my drivers license and advised to release the funds immediately. I left only to find out they were still referring to give my son his funds. I had the turn around and drive back to Amscot again. They finally released the funds after I had to make two trips. XXXX was rude, condescending, patronizing and escalated the situation by her XXXX attitude. I would like to see XXXX removed from her position and XXXX XXXX no longer use this location. I send my son money through XXXX XXXX often. There were no red flags. This was harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX XXXX reached out to Chase to resolve the matter that was explained in the cases that are listed below and Chase has been unresponsive to XXXX. The case num er that chase needs to respond to is XXXX. 
Previous case numbers that can be used for more detailed information regarding this case are as follows : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20
Company: GB Collects, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a notice from a company called " GB Collects '' on or about XX/XX/2019 regarding an alleged debt owed to XXXX XXXX XXXX/XXXX. The purported debt was as a result of cancelling a health insurance plan previously purchased and then validly cancelled. I resolved this matter with XXXX XXXX XXXX/XXXX. In accordance with the Fair Debt Collection Act as well as the applicable Pennsylvania statutes, I responded via letter to GB Collects on XX/XX/2019 to cease any and all communications concerning said debt and to furnish to me valid documentation of the debt. On XX/XX/2019, I received two ( 2 ) phone calls on my cell phone from a " XXXX XXXX '' at XXXX XXXX and XXXX XXXX of a harassing and threatening nature. Mr. " XXXX '' repeatedly disregarded my requests to cease contact and then mocked my attempts to explain that I properly have disputed the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
notice to principle notice to principle is notice to agent the transunion Credit company aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( 45 ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: AL
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 have previously disputed with Experian about them verifying a XXXX XXXX  charged off account on my report. I filed a CFPB complaint on XX/XX/23, Claim # XXXX. 

On XX/XX/23, Experian stated that the account information would be fixed, and my case was closed with the CFPB. I just received an updated results message from Experian on XX/XX/23. The results are " the account has been updated 'XXXX XXXX XXXX XXXX account is showing the same inaccurate results as my previous reports. 

Please assist me with this account that's inaccurately reporting on my credit report.

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Fair Credit Reporting Act requires that credit reporting agencies reports information accurately. However, TRANSUNION, XXXX, and XXXX  is reporting much of my consumer information inaccurately. For example, my auto loan and mortgage note should be the only items appearing on any of my credit reports because of substantial discrepancies in which exists elsewhere in my report. Moreover, FCRA requires " consistency '' between credit reporting, thus, to the extent TRANSUNION, XXXX, or XXXX  disputes these claims, complainant would be forced to provide proof of the inaccuracy the credit bureaus are liable for.

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 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On the dates above it says that my accounts were closed. I have only ever signed up for that card 1 time but according to my credit report I have had 3 separate accounts with them. My card was also closed without my knowledge.

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 2022-10-04
Company: EQUIFAX, INC.
State: TX
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:
After reviewing my recent credit Reports XX/XX/XXXX  ; I noticed for the third time deficiencies of reporting and inaccurate information on XXXX and XXXX credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is NOT my address ; I never lived there! I have filed an identity theft report regarding this address. ( please see attached ) Additionally I respectfully request a proper investigation of UPDATED XX/XX/XXXX  XXXX XXXX individual account Balance {$3000.00} having no Account number, on XXXX Credit Report. 

I AM NEVER LATE on my verified accounts and I am entitled to 100 % accurate reporting on all my credit reports with the credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reported to companies and please see attached FTC Identity theft report. Im concerned my personal information may have been breached in a data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: LA
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/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.

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 2023-09-20
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to make payments to student loan servicer Aidvantage which payment being reversed because it can not find the account. I have triple checked the accounts used for payment and have attempted to pay the XXXX XXXX  loans on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation