BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Consumer has sent multiple verifiable emails to company asking for payment arrangements, company is slow to respond or doesnt respond.

Consumer was finally able to reach company to make payment arrangements, consumer is paying loan, company has negative marks on consumers credit report stating charge off when consumer is paying loan after finally being able to reach someone.

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 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/2023, I noticed that Bank of America had started charging me a fee of {$12.00} a month. They charged a total of XXXX fees, for a total of {$84.00} dollars. I called the bank, and they confirmed that the fees had been charged in error. The bank refunded XXXX of the XXXX fees. However, they refused to refund more. I was informed there was no XXXX to speak with about this, no way to file an appeal, nothing to be done. Bank of America simple stole {$48.00} from me and will do nothing about it.

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 2023-03-18
Company: National Credit Adjusters, LLC
State: SC
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: LA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

Experian : XXXX XXXX XXXX  XXXX Balance : {$0.00} NO XXXX XXXX XXXX Balance : {$220.00} XXXX : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}

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 explanation
Consumer complaint received 2019-03-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I refinanced our mortgage for this property in XX/XX/XXXX. We set up online bill pay to automatically make payments to the loan account. We even added extra for principal to make an even $ XXXX  monthly payment. In XXXX of XXXX, I went to refinance a different property and learned that we both had a 90 day late on our credit reports that ruined both of our credit scores. Initially I had no idea who Shellpoint was, but I recognized the loan. I learned that XXXX XXXX XXXX sold off our loan to SHellpoint who was the new servisor. XXXX continued to take our checks that were sent via bill pay from our bank and never returned them to the bank as the bank never notified. I learned that SHellpoint ruined our credit scores and never received the payments from XXXX. When I learned this, I made complaints to Shellpoint and also made loan whole to this date. They refuse to remove the negative credit comments which killed our scores. I made several calls to Shellpoint and still have yet to hear and understand why they wont discuss this with me and fix our credit scores. One or the representatives admitted to me that they sent letters to the wrong address, yet they still wont make it right. Please assist us. 

Thanks XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: AMERICAN EXPRESS COMPANY
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:
American Express won't let me use my points " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' No one can tell me when me and my partner will be able to redeem the points. Given various reasons for the hold. We made a complaint and still haven't heard anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi I opened a Apple Card with Goldman Sachs around XX/XX/2021 I then made a purchase for approximately {$1100.00} and they gave me XXXX XXXX as a reward I then returned the purchase and they didnt retrieve the XXXX XXXX but instead charged my account but its not visible on my balance and now they are claiming Im past due 30 days on the {$11.00} and reported it to the credit bureau. When I call XXXX XXXX they say they will investigate but nothing has been done and my credit score dropped almost XXXX points iv not been late on any payments in the last 5 years on all of my accounts and this is really setting me back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my major credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : I.Q. DATA INTERNATIONAL, INC. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, WA XXXX. I was advised by my legal counsel to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I have also attached the information that they sent back to me. I have never done any business with this company, and they failed to send me ANY kind of validation such as a signed contract with them. All they sent was a screenshot of an itemized list of charges of which I do not recognize and didn't even contain dates or anything on it. I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and I.Q. Data International has NOT removed this erroneous account from my credit reports, or have sent me any kind of real validation such as a signed contract with their company. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on our credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've had an account with WellsFargo in XXXX and I haven't received or gotten availability to reach my funds of the account which was around the amount of XXXX USD, I was awarded that amount of money from winning in court against a Foster care facility that placed me into a XXXX XXXX  after XXXX, Wellsfargo was my 1st banking account and I've been struggling ever since. 


Please assist and I hope to hear back from anyone of you soon.

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 2020-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
5/3 Bank ( Construction to Permanent loan ). 

During the construction loan period ( interest only payments ), 3 of the monthly payments included additional funds to be applied toward principal reduction. 

XX/XX/XXXX : {$1500.00} additional XX/XX/XXXX : {$1000.00} additional XX/XX/XXXX : {$1000.00} additional Original loan balance was XXXX. Per XX/XX/XXXX Screenshot of 5/3 mobile banking, principal amount due was {$540000.00} ( see attached ) -XX/XX/2020 the loan transitioned from construction to permanent as the house was completed. At that point a new statement was issue showing outstanding principal balance of XXXX ( original loan balance, extra pmts toward principal reduction were not accounted for ). 

Basically when loan transitioned from construction to permanent, principal balance did not account for {$3500.00} in principal reduction payments applied during XXXX-XXXX-XXXX. 


-XX/XX/20 I called 5/3 customer service line and talked to CSR XXXX , who confirmed extra payments for principal reduction were received in the aforementioned dates. I asked for a statement in writing showing the application of the extra pmts toward principal reduction, and what I received was the latest statement with wrong principal balance due. 

As of XX/XX/2020, email was sent to CSR that I have been in touch with, and loan officer who helped us at the beginning. The outstanding principal balance is XXXX as I already made first permanent loan payment that included XXXX toward principal. 

Today XX/XX/2020 I called gain and left a voice mail for the same individual

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: TN
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:
XXXX and Equifax are still reporting incorrect personal information on my credit report which is hurting my credit ratings. I sent in sever letters letting them know the information they are reporting is incorrect. 

XXXX Not mines : XXXX XXXX XXXX XXXX XXXX, TN XXXX Not mines : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX EMPLOYMENT INFO Incorrect : XXXX XXXX XXXX Incorrect : XXXX XXXX XXXX XXXX EQUIFAX Incorrect : XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: AR
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:
I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Tried to receive a free credit report and was charged twice for services I wasnt even able to receive.

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 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 my son was scammed on XXXX and deposited and wired money which was all fraudulent. He notified BOA soon thereafter and they open a fraud case and froze his account. Unfortunately my wife is co-signed on that account and they froze all of the accounts she is signed on a total of 9 including our personal account since XX/XX/21. We have called5-6 times waiting for this to resolve but they will not release our funds - milk, mortgage, car they have frozen XXXX dollors

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 2023-11-21
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made several lump sum payments on this account to prepay in addition to monthly payment amount. Because of this, my due date kept getting pushed out. Now it says XX/XX/XXXX. Nelnet owes me over XXXX according to their own accounting department. 
On or about XX/XX/XXXX, I called about how my interest would be calculated with the Covid freeze. I was informed that i did not qualify because I had federally backed private loans. Instead, after speaking with a manager and someone in accounting, it was explained that I ( along with others he has seen, but my case was one of the worse ) had this weird due date accelerated issue and that I was owed this back money. I was told to pay the balance owed in full. I paid XXXX. The person then called me the next day to say that I had to pay an additional XXXX, which I paid on XX/XX/XXXX. I was then told that since my account was closed out, that accounting would recalculate everything because of the accelerated due date. I still have not received my funds or an explanation. I want the recordings of the call and notes and for someone to sit down with me about where my money is. 
I advised that the lump sum I paid was from the last money my dad gave me before he died on XX/XX/XXXX and now I am quite upset if this was all some sort of game. My dad and I could never figure out why no matter the lump sums, these loans did not get paid off faster. I believe there is an issue with all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
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: Credit inquiries on your report that you don't recognize

Complaint:
SUBJECT : XXXX XXXX disputes inquiries on Equifax Credit Report as shown below. 

Inquiries disputed : XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Description : UNKNOWN and UNAUTHORIZED hard inquiries ( as shown above ) reported on consumer credit report. 

Cardholders Argument and Violations : 1.Credit reporting agency reports multiple hard inquiries listed above on consumers credit report ; consumer did not authorize access to these credit hard pulls. 
2.Consumer Credit Reporting Agency is not in compliance with the Fair Credit Reporting Act and reports inaccurate information on consumers credit report. 
3.These discrepancies violate to consumers Right to Privacy and not in accordance with the applicable regulations. 
4.Unauthorized inquiries recorded on consumers credit report prevents consumer from acquiring credit ; causes consumer financial hardship. 
5.Consumer has notified Credit Reporting Agency of these discrepancies in the past ; Credit Reporting Agency has failed to correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, another account still needs to be UPDATED. This account should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed account will be settled XXXX XXXX XXXXXXXX Balance : {$38.00}.

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 explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : 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 2018-03-05
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: Old information reappears or never goes away

Complaint:
Equifax has re-added late payments to my credit report. I contacted equifax about this last year via a dispute, the CFPB, and XXXX. I submitted pages upon pages of documents showing that my student loans were never late. Equifax updated my report and removed these false late payments. But, now they have re-added them to my report fraudulently.

Company response to consumer: Closed with explanation