BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 canceling credit monitoring or identify theft protection service

Complaint:
I feel like someone has access to my credit information because every bank institution I made an account for, eventually my account would go overdrawn and then just stop working. I never knew what was behind my information but it is very scary and inconvenient. Someone has been frauding my accounts for the past two years and it XXXX because now I cant use any banks right now because of my bad false consumer reports. 

On XX/XX/2017, my XXXX XXXX account got frauded and it definitely was not me. {$110.00} was took from me. 

I don't remember the exact date but it was around 2 months ago, my Bank of America account got frauded. Someone was depositing {$5000.00} checks into my account twice. Once I logged into online banking and saw {$10000.00} I went to the bank to ask them what was going on. By the time I arrived at the bank they said my account will be in foreclosure. I reeally need help with trying to open up an account. It is really depressing my credit score, reports are messed up and it is affecting my life negatively. Can you please help 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 explanation
Consumer complaint received 2023-01-02
Company: Grain Technology, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
XX/XX/2023 GRAIN TECHNO XXXX XXXX Account XXXX XXXX Account XXXX Customer noted that that his credit limit was decreased even through the account was current and has never had a late payment. 

This is a fraudulent action and needs to be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Equitable Acceptance Corp
State: ME
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:
On XXXX/XXXX/2017 I was contacted by XXXX XXXX of XXXX XXXX, " a government funded program to help students through loan forgiveness. '' She told me that I might be eligible for 100 % loan forgiveness and that I should complete an application to see. After completing the application she told me that I qualified for {$0.00} payments 240/mo if I accepted this management fee of $ XXXX/mo for 36 months for them to handle the docs and applications. So the hook was saying " would you rather pay -- $ XXXX/mo for 36 months to have $ XXXX/mo payments through the remainder of your 240/mo term -- or pay your current payment of 90/mo for the remainder of your 240/mo term? '' to me it seemed like a no brainer so I went through the process and signed papers to have them handle the refinance.
What I am realizing now is that I could have done this process myself for free by just calling Navient. I am angered and frustrated that a company can target and swindle student loan holders who, like me, are young, hardworking, and just trying to do whats best for themselves and their future. Even if the fine print covers Equitable Acceptance legally which I WILL have a professional to look into ... it is unethical to mislead the consumer into thinking they are taking an option that is n't offered anywhere else, nonetheless for free and is a blind robbery of people who do n't have money to spare in the first place!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Wells Fargo many times and applied for modification and kept getting a response like more paperwork is needed. Submitted everything required of me and they continued to still take my house under my feet. I had a baby at that time and they didnt care that we would be homeless. Feel I to a deep XXXX and wanted to commit  XXXX  due to fact I didnt know where I was going with my children and had no money. They proceeded to only give me a short time to get out of home before being padlocked. Had to leave a lot of belongings behind, my kids belongings and I think that was horrible. Single  mom and no help, no money and homeless.

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 2023-01-02
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:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: IL
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted in from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Mortgage was closed 9 years ago and is still 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 non-monetary relief
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: NY
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 am uploading a copy of a letter I received from experian credit reporting agency in regards to information that is fraudulent and reporting on my credit report. I have disputed this account numerous times and keep getting the same response. I did not make these fraudulent charges and should not be held responsible. It is also damaging my credit score and credit worthiness having this account on my report. Today they send me this letter stating unless I have additional information they will not re-investigate this for me. It is my right to have this investigation done as many times as I need it done untill it is confirmed I did not do these charges. XXXX  did an investigation and it came back to remove off my report. Experian has no right to tell me they wont investigate 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 explanation
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the XXXX data breach..

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 2018-07-17
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
( Orig. claim # : XXXX ) I spoke with a lawyer on XX/XX/XXXX to help further my ability to recoup my lost/missing/stolen SunTrust checking account funds. While the missing funds may well be a banking error, I lawyer advised that the funds could be missing due to bank theft, and that since this is my first experience with possible financial crime, so I did not realize that this would need to be a criminal report, not a fraud report ( as originally filed w/ the police about 2 weeks ago ). The lawyer advised that I contact the XXXX Police Department again and amend my incident report from " fraud '' to " theft by taking, '' since Suntrust can not explain the discrepancy as to why the account balance is {$1500.00} less than it should be and note that this is a breach of their contractual duty and failure to perform. '' I named SunTrust XXXX XXXX Branch Manager XXXX ( located at 1 XXXX XXXX XXXX XXXX, XXXX, GA XXXX, tel : ( XXXX ) XXXX ) as the representative of SunTrust. ( Ms. XXXX XXXX reviewed my checkbook register which covers the time period from XX/XX/XXXX - XX/XX/XXXX and did not note any errors in my calculations. ) Today ( XX/XX/XXXX ), on the lawyer 's advice, I  will be filing a claim in XXXX County Small Claims courtmy first and hopefully my last. I am newly retired and extremely cautious with my money, which is why Im fighting tooth and nail to get it back from SunTrust, who has been incautious with it and caused me extreme duress on top of the stress of living without my money which has required dipping into an emergency fund.

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 2020-09-10
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently reviewed my credit report collection agency saying I owe them debt when I dont they are also hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you

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 2019-08-20
Company: Experian Information Solutions Inc.
State: TX
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:
inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to 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 2020-10-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. XXXX  Refuses to rectify the situation my student loans should not be reporting late. 

XXXX has a history of not following proper procedures and has also been sued numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XXXX/XXXX/2020 30 DAY DEMAND XXXX/XXXX/2020

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 2021-06-09
Company: EQUIFAX, INC.
State: FL
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:
Several years ago a credit card was opened in my name with XXXX XXXX. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There's a due process system which this country title court proceedings in this case. However the courtsystem in XXXX; hasn't been  just Or fair for all persons. Kia motors and Hyundai are two separate entities. My contract is only binding to Kia Motors and no others. XXXX XXXX XXXX still remains within the parameters of her contract with Kia.... The vehicle defectiveness and maintenance problem should be repaired by Kia Motors in XXXX.1) due to warranty obligations2) because that's the contract enter in3) all complaints hasn't been repaired4) retaliation due to the complaints do not justify the removal of the vehicle from the XXXX parking lot unjustly. XXXX XXXX   and XXXX XXXX aren't representative of Kia.  No default has occurred since the purchase. Why do we have unauthorized personnel driving the vehicle; has it been repurchase since XX/XX/2019? No; if yes then I do not have any further obligation to Kia or the vehicle. As veteran and retiree I reserve the right to express and voice consumer issues as they pertain to safety, effectiveness and efficiency !!!Consumer problem with maintenance and high attention to detail.. Still under maintenance contract...The vehicle still has not work to my expectation especially as a brand new purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
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:
XX/XX/2023 Someone stole {$3700.00} out of checking account and {$58.00} savings account and {$35.00} overdraft fee in my wellsfargo bank in XXXX North Carolina. The bank denied my claim of fraud and are saying I gave permission which a erroneous claim I never gave anyone my information or permission to take money out of my account and they are telling the claim is closed and the is nothing could do about it. I'm completely frustrated I live in XXXX XXXX fl all my bills are linked to these accounts and the bank I trusted my money with is allowing unauthorized transactions out of my account. I made the claim on XX/XX/2023 and I have been told there is nothing I could do about fraud on my account.

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 2021-10-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon, I need your help with this issue with 2 collection account with the same company ( Resurgent Capital Services ).

I sent 3 different certified mails ( USPS ), in the las 7 months, getting the same response from Resurgent Capital Services. 
I have been asking for the verification of that debt. In all 3 situations, they send me the same response ( attached : copy of an statement which does not represent a valid validation ). 
I have been sending letters with this response : " Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief