BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-05
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: Account status incorrect

Complaint:
I have sent several requests for XXXX and Equifax to delete the inaccurate information in my credit file regarding XXXX XXXX XXXX account number XXXX. The Court approved a settlement on XX/XX/XXXX, which I am bound by the final judgment and the release of claims in the agreement : 1 ) Cease all efforts to collect deficiency balances from the class members 2 ) Update account records to reflect a XXXX balance on all accounts on which assessed a deficiency balance 3 ) Instruct credit rating agencies to delete trade lines with respect to their accounts. XXXX deleted this information in XX/XX/XXXX but then allowed XXXX to furnish the erroneous information in my credit file again without notifying me. Under FCRA it states that if the item is reinserted then the credit bureaus have to provide you with a written notice within 5 business days. The credit bureau must investigate any information you feel is incorrect. If the information proves incorrect, the agency must remove it from its files and, on your request, inform those who have received the information that it has been removed.The alleged audit or review did not verify the accuracy of the balances claimed were owed because XXXX did not evaluate whether fees were correctly assessed and did not perform a complete audit or review of the account for error. DISPUTE 1 ) XXXX modified terms of the contract without written notice : In XX/XX/XXXX an extension contract was established and was written to terminate on XX/XX/XXXX. Unbeknownst to me, XXXX altered the maturity date again to terminate XX/XX/XXXX. At the time of this agreement, the loan had 54 months remaining. XXXX added an additional 6 months to inflate the principal balance. DISPUTE 2 ) The account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when the account first became delinquent. The correct delinquency date is XX/XX/XXXX. DISPUTE 3 ) The Court ordered XXXX to refund back all the interest already paid that was above the amount a car-loan lender in Ohio can legally charge you or forebear all collection efforts. XXXX has not adjusted the balance and XXXX refuses to comply with the judgment order to delete this information from my consumer file. The monthly payments were {$450.00} and 25 % ( {$220.00} ) was applied towards finance fees. The reporting account balance and its entirety is inaccurate and as ordered should be deleted from my credit file. I also called them and they refuse to investigate it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: OR
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, bureaus have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to deal with XXXX for the last few years. They are very unhelpful and they will not give me realistic options to help with paying my student loan back. I do know that I took the loan out and I do plan on paying the loan back but I plan on paying it back the only way I can but they do not seem to work with you. I would rather see you starve or starve your family and all they are worried about is getting their payment. They make you think the only way you can go to college is through getting a loan with them and they take advantage of young kids. They are cheats and they need to pay. They harass my XXXX year old grandfather all the time because he was nice enough to cosign my loans. They call my work numerous times even after being told not to call them. I finally set up a payment and pay it for 3 months to come to find out that they only applied my payment to four of my loans and not all of them. But they failed to mention that to me also now two of my loans are behind which I had no clue. They are not here to help. They are making me think that the only way to get out of this situation is to XXXX XXXX. When researching online there is a large number of XXXX  every year as a result of student loans. This needs to be stopped and this company needs to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
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 requested for these companies to show proof of the credit accounts reporting to the Credit Bureaus. They responded back with no proof whatsoever. Which is in violation of my rights with the Fair Credit Reporting Act 611 ( a ) ( 7 ). I do not want to request a reinvestigation. I simply want these items removed, IMMEDIATELY! They have been unable to respond in a timely manner and provide the method of verification. Please remove the following items from my credit report to prevent further damage. Thank you! 

XXXX Bank XXXX Account Number XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX - Account Number 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 2023-09-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I initiated an ACH transfer using Synchrony bank 's web site to move {$80000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX business savings account. 

On XX/XX/XXXX, Synchrony rejected the transfer. The email I received from Synchrony said to call XXXX XXXX XXXX to make sure I get my funds back. 

On XX/XX/XXXX, I called Synchrony to find out why it was rejected. I was told she could see the transfer had failed and that it was because my XXXX account is a business account. She said that the funds would be back in 3-5 days but I should to call XXXX to verify. 

On XX/XX/XXXX, I called XXXX  and was told she could also see the failed transfer status and the funds should be back in my account that day or the next day. 

On XX/XX/XXXX, with still no funds, I called Synchrony again. I was told that even though the transfer was denied on XX/XX/XXXX, they didnt final fail it until XX/XX/XXXX. I was told to wait another 2-3 days for the funds to come back. 

On XX/XX/XXXX, with still no funds, I called Synchrony again. They now claim they never took the funds and that they are still in the ACH. However, the funds were somehow held by them until the final fail on XX/XX/XXXX so XXXX insists that Synchrony must have taken possession of them at some point. They also informed me that ACH is not a holding account so my funds can not be sitting in the ACH as Synchrony states. Synchrony also claims that XXXX needs to " reclaim '' the funds from the ACH. XXXX says theres no way for them to do that. 

Since then, I have spent hours on the phone with both banks and hours in a XXXX branch office. XXXX continues to try to help us with this, but there's nothing they can really do. Meanwhile Synchrony denies any involvement and blames XXXX entirely, even though Synchrony initiated the transfer. At this point, no one can fix this and weve lost {$80000.00}.

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 monetary relief
Consumer complaint received 2022-01-18
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2020-01-05
Company: Nelnet, Inc.
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was an ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in XXXX of 2016 and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law as the debt was made through a for profit company and must abide by the court 's ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: NC
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:
I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX  XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... .XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XXXX .... XX/XX/XXXX XXXX XXXX XXXX .... XX/XX/XXXX=XX/XX/XXXX= XXXX XXXX .... XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX/= XX/XX/XXXX= XX/XX/XXXX= XX/XX/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 2022-12-09
Company: EQUIFAX, 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:
Since XXXX 2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XXXX/XXXX/2022. I was made aware on XXXX/XXXX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the XXXX credit bureaus to be inaccurate. For XXXX months the XXXX credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately! 

They also violated the law because according to 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 2020-01-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2019 i put in a dispute with chex systems they did not investigate by the law of the fair credit reporting act and left the inaccurate and incomplete information on my consumer report this issue need to be address.

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 2020-06-02
Company: EQUIFAX, INC.
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:
1 ) I had to dispute back and forth multiple times in writing with Equifax in XXXX to remove an address in Arizona that was fraudulent as I have never lived in Arizona and it was tied to someone stealing my credit to open an account ( which I reported to the police ). I have a written report from Equifax in XXXX stated that they agreed the address is fraudulent and had removed it. I now see ( XX/XX/XXXX ), they have put that same address back on my credit report 3 years later as a former address. This is a broken system and it seems unreasonable that I now need to take several months again to fight the same battle. 

2 ) In addition, I initiated a fraud alert which is supposed to make it difficult for someone to attempt to open credit in my name. The other credit reporting agencies seem to be honoring this and I had to take additional steps ( as I should ) when I recently took out a car loan to prove my identity. Yet somehow, Equifax allowed XXXX XXXX XXXX to do a hard inquiry on my credit without my social security number ( which I know to be the case because I am now signed up for a credit monitoring service that lets me know if someone tried to open an account with my soc sec # ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent several requests for Experian and XXXX to delete the inaccurate information in my credit file regarding XXXX XXXX XXXX account number XXXX. The Court approved a settlement on XX/XX/XXXX, which I am bound by the final judgment and the release of claims in the agreement : 1 ) Cease all efforts to collect deficiency balances from the class members 2 ) Update account records to reflect a XXXX balance on all accounts on which assessed a deficiency balance 3 )  Instruct credit rating agencies to delete trade lines with respect to their accounts. Experian deleted this information in XX/XX/XXXX but then allowed XXXX to furnish the erroneous information in my credit file again without notifying me. Under FCRA it states that if the item is reinserted then the credit bureaus have to provide you with a written notice within 5 business days. The credit bureau must investigate any information you feel is incorrect. If the information proves incorrect, the agency must remove it from its files and, on your request, inform those who have received the information that it has been removed.The alleged audit or review did not verify the accuracy of the balances claimed were owed because XXXX did not evaluate whether fees were correctly assessed and did not perform a complete audit or review of the account for error. DISPUTE 1 ) XXXX modified terms of the contract without written notice : In XX/XX/XXXX an extension contract was established and was written to terminate on XX/XX/XXXX. Unbeknownst to me, XXXX altered the maturity date again to terminate XX/XX/XXXX. At the time of this agreement, the loan had 54 months remaining. XXXX added an additional 6 months to inflate the principal balance. DISPUTE 2 ) The account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when the account first became delinquent. The correct delinquency date is XX/XX/XXXX. DISPUTE 3 ) The Court ordered XXXX to refund back all the interest already paid that was above the amount a car-loan lender in Ohio can legally charge you or forebear all collection efforts. XXXX has not adjusted the balance and Experian refuses to comply with the judgment order to delete this information from my consumer file. The monthly payments were {$450.00} and 25 % ( {$220.00} ) was applied towards finance fees. The reporting account balance and its entirety is inaccurate and as ordered should be deleted from my credit file. I also called them and they refuse to investigate it 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 2018-04-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am making this complaint only to make you aware of what I believe is a fraudulent practice on the part of Wells Fargo Bank. On multiple occasions I have made additional principal only payments and although I clearly mark on the payment coupon that the funds are intended for principal only, the bank miss assigns the funds. On two occasions they credited the fund as " unassigned '' both of which delayed assigning the fund to principal by around 20 days each time and this latest payment was partially applied to interest and escrow. Obviously the cost to me is only a few dollars plus the aggravation of having to go to the bank to correct the issue, but the implication for Wells Fargo is probably hundreds of thousands of dollars earned through these seemingly innocuous errors. 

I will again go to the bank to clear the mistake but probably will never know if I paid extra interest or not.

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 2022-12-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, My name is XXXX XXXX, the following items I have attached are items in my report that I need deleted. 
I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are preventing me from being able to purchase my home Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX of 2019 my mother passed away. Her name was the only name on the mortgage. Since that time I have been sending documents to Bayview loan servicing to get help and I get nothing. A copy of their latest letter is attached and since my mother has passed and my father has not been heard from over the past 3 years as you can see with the quick claim deed I am the last person which means I have the ownership. This latest letter from Bayview talks about probate and with the quick claim deed you do not need to have probate it just passes to the next living party which would make me the successor. Bayview which is nothing more than a front for a XXXX GROUP I believe that Mr XXXX needs to have this out investigated being in Florida and all of that. When you have a life estate it just passes from person to person that is alive. THESE XXXX keep playing games. I have talked with 3 attorney and a Federal Judge and they have told me that what I have done is more than enough even giving bayview a copy of my mothers will which leaves the property to me. I have been making the payment since last XXXX and I also suffered a XXXX and missed time at work being in the hospital and have fallen behind however I am trying to catch up and would appreciate some help from the XXXX AT BAYVIEW. All they do is ignore the legal documents that are sent and ask for the same XXXX. When you have a life estate you do not need probate but these XXXX AT BAYVIEW are to XXXX to know the law that is why I think it is a XXXX FRONT that they are taking the money and moving it out of the country. If they want the can sell the loan to another mortgage servicer thatis willing to resolve matters and not play games. I have attached documents, Get the XXXX uinvolved and shut these people down. Thank you

Company response to consumer: Closed with explanation