BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2022-12-13
Company: EQUIFAX, INC.
State: NH
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am currently enlisted in the PSLF/IBR program. Because the loan has been transferred among different federal providers they will not give me an accurate amount of payments received by them towards my repayment. Each call I give to company tells me they are months behind and no timeline for actual accurate count of months I have paid. Without telling me if I am still enrolled in the program I am unfairly paying higher interest rates with federal program instead of switching to a private lender. They are charging me interest for the loan however not responding to questions I need to make a fair decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, a debt collecting agency named Credence Resource Management , LLC filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX XXXX. The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX  Customer Service Representative on XXXX XX/XX/2021 at approx. XXXX XXXX. I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: DISCOVER BANK
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check for {$2900.00} from an advertising company to pay for installation of advert on my vehicle and payment to me for advertisement. My payment was to be {$500.00} out of this check, the rest was to pay installation.I deposited into my savings and did not take any money from it because I wanted to make sure check was good. After crediting my account for the amount of check, the following day it was taken back out by the bank who said check was returned. But all it says is returned check deposit on the transaction and I questioned that this would look as though it was me, income I received but I was told by bank that, No, thats how its done. ( This is second time this happens ) But XXXX shows it as income so Im inclined to agree since I was afraid of exact thing. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Big Pictures loans gave me a loan of {$600.00} on XX/XX/. I made 4 payments of {$150.00} dollars each. First payment was made on XX/XX/XXXX. The Second payment was made on XX/XX/XXXX, the Third payment was on XX/XX/XXXX and the Forth was on XX/XX/XXXX. When I got approved for the loan a person spoke to me on the phone ( I dont know how to write or read in English, as is my Second Language ) and he told me that if I paid everything faster that wont affect my credit, there will be no interest or late fees since I am paying faster than agreed ( I made bi-weekly payments instead of monthly payments ). Now they forcing me pay 6 payment of {$110.00} dollars every weeks in addition to the money I already pay. I understand I need to pay interest but it seems extreme for me to pay all this interest since I already paid the principal. They are taking advantage of me because of my limited English skills and my lack of knowledge of the financial system in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023, I started a balance transfer with US Bank credit card. I was transferring from XXXX credit card to US Bank. The check from US Bank was sent to XXXX XXXX XXXX XXXX PA XXXX in the amount of {$1900.00}, check number XXXX. Apparently XXXX 's ( old address XXXX XXXX XXXX XXXX PA, now XXXX ) no longer represents XXXX. The check has my name and account number on it that was sent to XXXX. Now that address belongs to XXXX, instead of aeeing XXXX XXXX, does not have an account with then, also seeing there is an account number and name on the check, they decided to cash the check frim US Bank meant for a balance transfer I have called several times with no real answers other than pointing fingers. The {$1900.00} is still showing on my XXXX card but is also showing on my US Bank card. 
I need the money back from XXXX in the amount of {$1900.00} or sent to US.Bank.

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 2019-07-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I notified regions bank of multiple fraud charges on my account and they denied them stating that too much time had passed since the charge took place. I have been told that there is no time limit to report fraud charges on my account. below are the charges and dates that I reported to regions bank on my credit card. 

date merchant amount XX/XX/2016 XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX I do not have a letter from them about this because even though they said they sent one out, I never received it in the mail. I believe them denying my claim is against the regulations set in the fair credit act and they have clearly and knowingly broken the rules and regulations set in order to avoid refunding my fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complain and I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts and have these corrected : XXXX XXXX XXXX XXXX XXXX Balance {$48000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX XXXX Balance {$67000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$310000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: NC
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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed my XXXX payment to Specialized Loan Servicing on Friday, XX/XX/XXXX from XXXX, TN, and the payment was mailed to the lockbox address in XXXX, GA, which only takes two days max, as this is always my normal process since there is a fee to pay over the phone or online. I called the mortgagor on Friday XX/XX/XXXX because my payment hasn't cleared my checkings account only to be told that the payment hasn't arrived nor posted to my account and that it has been reported late to the credit bureaus. I attempted to dispute the credit reporting as the payment was made on XX/XX/XXXX but was told I would have to have proof it was mailed. After this conversation I made the payment over the phone, in which I incurred a fee, and forced to make the XXXX payment as this was the only payment amount it would allow. I received a statement a week later showing where the missing payment " mysteriously '' arrived and was posted to my account, only after I requested a stop payment on it and made the previously mentioned telephone payment. This sounds very suspicious that the payment would be posted after I made the previous payment. I have researched this issue and noticed that other consumers are experiencing the same issues of late payment postings with SLS ... they negatively reported my account as delinquent in error since they didn't go by the date of the check I originally issued. I believe this is unfair as I mailed the payment on XX/XX/XXXX and feel that this is the date that the payment should be honored. They haven't been helpful in my dispute of this issue and I am requesting that this negative mark on my credit be reversed as it due to a possible oversight on their part. I have utilized the same method of payment for sending in payments via mail and the payments always got posted/applied timely, so I believe there was an error on their part that caused my payment to be misapplied.

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 2023-08-11
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-09-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I am desperate for help as I have XXXX XXXX. I work for XXXX XXXX and was on their resources HR page, looking at random benefits. One mentioned was XXXX XXXX, which is some site that offers a lot of random things like insurance, etc. I went to make an account, which required my employee ID to verify myself, as well as a driver 's license and my SSN. 
At no point during the account setup did it even hint at a credit pull. I've included screenshots of the account setup page for people from XXXX XXXX, and it does not mention anything about applying for -credit-. 
I wasn't applying for anything. I was simply making an account. The account setup had a " what we do with this information '' tab and it makes no mention of a credit pull. There was no warning! 
I just checked Experian and I indeed just got a hard inquiry. I've been working my XXXX off to keep my credit score high, as I want to mortgage shop in a few months. I haven't had a hard inquiry since XXXX. 
I am begging you to help me! There was no warning and I gave no consent to have this happen!

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 2021-02-09
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:
I am respectfully requesting for XXXX, Equifax and XXXX to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering.

1.XXXX XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX  XXXX  account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3XXXX XXXX XXXX  XXXX  credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my ADA Disability Act under Department of Justice.I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due. 

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo XXXX was used to transfer money purportedly to XXXX XXXX. 
I was informed that my electric service would be cut off if I did not pay on the day XX/XX/2022. 
Two payments ( {$360.00} and {$370.00} ) were made in what was a scam and were thus fraudulent and I was forced to do this under threat. 
I submitted this to Wells Fargo and they refused to credit these monies back to my checking account even though they were fraudulent and made under threat.

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