BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: MI
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:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, 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 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 2022-02-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Suntrust is saying I didnt make any mortgage payments on 2020. The only payments they provided that supposedly I made were only 2 pages of 2 payments. My payments were late but rent was paid. I have tried talking to the bank but they keep saying that I havent paid rent for the year 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 2021-09-08
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am pursuing the Public Service Student Loan Forgiveness program and have Fed Loan Servicing as my servicing company and have been enrolled in it for about 4 or five years. In XXXX of XXXX  I summited my yearly employment certification form and I have still not heard back on the results of my certification as of XXXX I was unable to to use the new portal on the Department of Education website because my employer has not yet been added to the list of eligible employers. Additionally I summited the required documentation to the Department of Education to have my employer added to the list and have not received any notifications from them for their review process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account and the bank said theres suspicious activity when there is not any fraud whatsoever. Everything is accounted for and now they restricted my account and refuse to let me reach my funds. I ran out of gas while traveling and was stranded I was not given a warning or phone call I missed a funeral and now Im stranded with no funds or money for gas or food they are keeping my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: U.S. BANCORP
State: IN
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 rewards from credit card

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Card received XX/XX/2018 Offer said : " Unlimited 2 % Cash Back '' " No Annual Fee '' " Earn {$150.00} Bonus Cash Back After you spend {$1500.00} in eligible net purchases within 90 days of account opening '' I spent over {$1500.00} within 30 days. The 90 days has passed. I never received the bonus. 

XXXX contacted. Their reply is that they will not give me the bonus that was promised. 

This is fraudulent business practice.

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 2020-10-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Pursuant to the CFPB case number : XXXX -- - I reference a letter I received today from Wells Fargo Bank dated XX/XX/2020 whereby Wells Fargo also issued me with the following case number for their records which ends in these last XXXX digits : XXXX. I attach a copy of this letter here ... I thank Wells Fargo for their kind response and offer of engagement whereby I can contact XXXX XXXX A case specialist with Wells Fargo Bank ... I see no reason to contact XXXX XXXX as I have documented everything here with the CFPB ... Clearly serious errors were made in the management of my bank account ... I include in this new complaint my own expression of doubt since I am not an attorney and as such I do not know the law ... My expression of doubt states the following that in my dealings with Wells Fargo Bank I acted in good faith I also brought to their attention these serious mistakes that were made on my bank account ... That is the best I can do ... I trust Wells Fargo Bank to have the decency and integrity to fix this serious problem and to offer me the resolution I have requested before ... I understand that Wells Fargo Bank needs time to process my complaint and to diligently research how in XXXX my details were sent to XXXX and also why it was that Wells Fargo Bank in their own correspondence with me denied a material fact that on the day I opened my new bank account Wells Fargo Bank did have my XXXX address as part of my recent address history that is a requirement for opening new bank accounts ... That for some reason Wells Fargo Bank saw fit in their own correspondence to me to deny this material fact ... I have no desire to communicate with Wells Fargo Bank for any reason whatsoever except in terms of their response to my complaint which I take very seriously and the resolution I have requested ... 

Attached please find the letter I received today in the mail Dated XX/XX/XXXX... 

Respectfully Submitted by XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) - This is the referenced letter that is attached to this complaint ...

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 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was scammed out of {$3400.00} via a XXXX transfer. I was contacted via what appeared to be automated text message from Bank of America stating XXXX : BOFA XXXX. Did You Attempt {$3400.00} XXXX Transfer 2023 Reply YES or NO. Case XXXX or XXXX XXXX XXXX reply. I promptly responded No. The I received a second response stating BOFA XXXX XXXX : Thanks for confirming this transaction. No further action is required. Specialist Will Be Contacting You. Txt HELP for help. Txt STOP to opt-out of card text alerts. 

Soon after I received a call from a person representing themselves as a Bank of America employee. The person the proceeded to walk be through a series of account verification questions. No sensitive information was shared. I was then told I needed to follow an account verification process to ensure my XXXX account was not compromised. Through this process I unknowingly sent a total of {$3400.00} to the scammers via XXXX through two transactions.

Shortly after the call ( less than 30 minutes ) I began to question the whole process and called Bank of America to confirm. The representative informed me that no alerts on my account and then assisted me in filling a claims for the unauthorized transactions. Bank of America has denied both claims. I appealed the decision and sent additional documentation and Bank of America again denied the claim. My understanding is Bank of America is required by law to reimburse my funds for an unauthorized XXXX and that this would qualify as an unauthorized 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 monetary relief
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: NY
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:
THIS COMPANY IS A FRAUD BASED COMPANY I AM EXPOSING THEM I HAD XXXX FROM XXXX TO XXXX IN HOSPITAL I NOTIFIED THEM AND THEY MARKED MY PAYMENT FOR XXXX AS 30 DAYS LATE THAT IS HOGWASH I PAID XXXX ON TIME AND THEN WAS ADMITED INTO XXXX  FOR XXXX  THEY CAN NOT MARK ME NEGATIVE WHEN ALL MY PAYMENTS HAVE BEEN ONTIME AND I WAS EFFECTED BY PANDEMIC AND THEY KEEP SAYING THEY WILL FIX IT AND DO NOT RESPOND TO EMAILS AND WHEN YOU CALL THEY ARE ALL FOREIGHNERS AND HTEY HAVE NO IDEA WHAT THEY ARE DOING THEY LIE MAKE FAKE PROMISES AND EVERY ONE ONLINE IS COMPLAINING ABOUT THEM I WANT THIS REMOVED NOW OR I AM RETAINING A LAWYER FOR CAUSING ME HARDSHIP FINANCIALLY DUE TO DESTROYING MY CREDIT REPORT I DEMAND THIS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving this letter from Nelnet loan services, this is the second time Nelnet has requested identity theft when I did not request for identity theft. I requested for debt validity and requested verification of the debt which was not answered. Attached to this is a letter I requested plus the green return receipt which I know they have received this letter on XX/XX/. Also the response of the debt collector. Nelnet loan services did not provide me this information, in pursuant to 15usc1692g validation of debts, without this information this alleged debt can not be owned by me but Nelnet is the owner of the {$26000.00} debt. Please discharge this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recognize this 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 2022-10-24
Company: Experian Information Solutions Inc.
State: GA
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 ordered a copy of my report from Experian.com and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX the XXXX XXXX I switch services from XXXX XXXX to XXXX I called XXXX XXXX to let them know to cancel my services the lady on the phone stated that she ca n't cancel she can only suspend the account because they show that XXXX is trying to transfer my number to my XXXX phone. I told her that that should not show because I am keeping the phone number assigned from XXXX. I ask her since she could n't cancel only suspend the account will I continue to get charged. She answered no. So I said ok waiting for my final bill. Since then I receive three different bills from XXXX XXXX with different amounts. One dated XXXX XXXX XXXX for XXXX. Then I got a collection letter from convergent dated XXXX which I did n't receive until XXXX XXXX XXXX showing a balance of XXXX. Then I received another bill from XXXX claiming i now owe XXXX. My account should have been cancelled when i called and told them i switched to XXXX that was in the beginning of XXXX. So why ido i have all of these different amounts. This account is in dispute until XXXX  can explain why i was still getting charged for services that u should have canceled immediately when i called.

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 2020-10-21
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is reporting inaccurate, misleading, false, information that can not be verified from the bankruptcy courts. I have sent letters under 609 law  asking to validate public record and have gotten letters from bankruptcy court saying they do not sell to third party at all. Please see attached letters

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 2023-09-13
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 went to make a payment on my student loan through Aidvantage. 
The amount I entered was {$1100.00}. I received an email from Aidvantage that my payment of {$1100.00} received and posted. However, when I checked my account, only {$100.00} was accepted and the {$1000.00} was a payment reversal. 

This is confusing to me because the {$100.00} that was accepted was from the same routing number as {$1000.00} that was not accepted. 


There was no explanation, nor was I even made aware that the payments had been reversed. I do not believe that this is an acceptable way to run a business, and that their system should be capable of handling simple, student loan repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-02-06
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/XXXX MY CREDIT SCORE DROP ALLMOST A100 POINTS DONT KNOW WHY.XXXX  XXXX MY CREDIT SHOWS A INQUIRY REMOVED AND FROM THE SAME COMPANY JPMCB A NEW INQUIRY WHICH I DID NOT APPROVE .I HAVE WORKED HARD TO GET MY CREDIT IN GOOD STANDING AND NOW MY CREDIT SCORE WENT FROM XXXX TO XXXX FOR NO REASON PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
I had XXXX accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through Fed XXXX service. XXXX listed the XXXX accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my XXXX XXXX and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX  XXXX, and all credit bureaus and it continues to report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Care credit has charged me more in interest than actual credit card bill. Sometimes at almost {$800.00} a month in interest.

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 2020-10-21
Company: EQUIFAX, INC.
State: OH
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:
IN REFERENCE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 First, as a consumer I had no way of knowing I owe this debt. How can I dispute if the company failed to contact me? this is a VIOLATION OF UNFAIR CREDIT ACT LAWS ... there is no excuse for XXXX XXXX  to not contact me! 
XXXX XXXX  committed identify theft by illegally running my social security through all national credit bureaus PERIOD! after impact had illegally obtained all of my current info when they ran my social security number to illegally look at my info on my credit reports, XXXX XXXXthey still failed to get in touch with me yet still XXXX just posted this debt. that is how XXXX knew/found out XXXX had current info yet failed to contact me and EQUIFAX allowed this by just posting this dam debt too ect ... 

Throughout my investigation this debt was under XXXX XXXX XXXX who I rented from back in XXXX. Never paid late! I am demanding that this item LISTED BY XXXX XXXX that was illegally posted on my national credit reports be removed immediately due to the fact that this company XXXX XXXX violated credit unfair act law AND BROKE THE LAW TO OBTAIN MY PERSONAL INFO. 
I have filed formal complaint against EQUIFAX credit bureaus with anti-trust department in Washington DC and its XXXX because EQUIFAX also violated unfair credit act laws and broke the law and should indeed be closed. therefore, this item must be removed immediately from equifax credit reports and an apology letter sent to me asap! 
Both EQUIFAX and this company XXXX XXXX also violated my civil rights and unfair credit act protection under US constitution laws based on grounds that neither one of these parties EQUIFAX and or XXXX XXXX XXXX FAILED to notified me as a consumer to grant me any option to settle this debt.

Company response to consumer: Closed with explanation