BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXX Clone which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to a fraudulent investment firm ( s ).

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 2020-03-28
Company: Experian Information Solutions 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:
Accounts and inquiries appear on my credit report that are unverified and unauthorized

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 2019-11-15
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am graduating school in XXXX. I contacted Discover Student Loans multiple times to find out what my payment would be. They have refused to just tell me what the payment will be, and said they would mail me a schedule when the online link wasn't working. The first attempt to mail never arrived. The second attempt is outdated and shows payments as though I had been paying since 2008 and hadn't deferred while in school. I still don't know what my monthly payment will be or my payment schedule and it seems like Discover is being purposefully deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


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 2023-05-11
Company: EQUIFAX, INC.
State: IN
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:
My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the CFPB. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached. I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: ACIMA CREDIT, LLC
State: IN
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:
On XX/XX/XXXX I paid Acima Credit my final settlement agreement payment to close and fulfill an old debt. I was advised that this would be updated on my credit report in 30 days and it would reflect as a paid/settled account status. I reached out to Acima on XX/XX/XXXXto advise that my report had still not been updated with XXXX  and the representative, XXXX, advised me that an update had been sent to the credit bureaus on XX/XX/XXXXOn XX/XX/XXXX I reached out directly to XXXX  who advised me that the account was still reflecting as a derogatory charge off. The representative at XXXX  opened a new dispute on XX/XX/ along with my settlement confirmation receipt that I received from Acima Credit and Acima responded to the dispute on XX/XX/ reporting that the account was STILL charged off and in a derogatory status. Today, XX/XX/XXXX I reached back out to Acima and spoke with a supervisor by the name of XXXX that could not provide me any additional information behind why my account is still incorrectly reporting and negatively impacting my credit. I am in the process of trying to buy a home and Acima Credit is reporting incorrect data that is hindering the process and impacting my credit score and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. 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 explanation
Consumer complaint received 2019-06-28
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XXXX of XXXX I switched my loan servicing from XXXX to FedLoan. For the past five years I have been paying my loans with XXXX. With XXXX, I would verify each year that I was in a repayment program that qualified me for Public Service Loan Forgiveness. I printed documentation of these payments, and was assured by XXXX that my account would remain online, so I could continue to verify repayment program and payments. When my loan was transferred to FedLoan in XXXX of XXXX, verification of my payments were not transferred. At that time I had made 49 qualifying payments toward the PSLF program. 

On XX/XX/XXXX I contacted FedLoan and spoke with XXXX XXXX and asked where verification of my loan payements from XXXX were, she said it will update within 30  days. On XX/XX/XXXX, when my loan payments were not updated on my account with FedLoan, I spoke with XXXX XXXX who told me that they have to look into my detailed history with XXXX and it would take 60-120 business days to be approved. I then called XXXX who informed me that they had not received contact from FedLoan regarding my account. On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding why my loan payments toward PSLF had not been updated from XXXX, nor the payments i had been paying to FedLoan for the last 5 months. She informed me that at the end of the year, when I show verification of employment, the number of payments with FedLoan will update and that the verification of payments with XXXX could take until XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX as my loan payments with XXXX  ( 49 ) and my loan payments with FedLoan ( 11 at this point ), are not recorded on my account. XXXX informed me that verification from XXXX is being " reviewed '' and he doesn't know how long it will take as they are questioning my payments. He said that technically I have until XXXX ... 

I do not know why FedLoan has given me four different answers regarding five years of qualifying loan payments being credited to my account. I would like those payments to be updated on my account with FedLoan. I am concerned that the longer it takes them, the chance of proving the payments qualified, becomes more and more difficult. I am also very confused why it is taking them so long to verify something that took me one minute to see on my XXXX account. It seems FedLoan can do whatever they want when it comes to verification of my loan payments and I would love some help in accountability with their systems of transferring loans to them and verification of qualifying payments. As of XX/XX/XXXX I should have 61 qualifying payments toward my PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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: Information belongs to someone else

Complaint:
I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED TOVERIFY ALLN MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed in a dispute letter to Transunion  Consumer Services, asking them to verify inaccuracies that are listed on my credit report. 

My initial dispute letter was mailed to Transunion on XX/XX/2020 by certified mail. The letter was received by Transunion on XX/XX/2020 at XXXX. ( Certified Mail tracking slip attached ) Tracking number : XXXX In the letter, I disputed 2 collection accounts and 1 charge off account. I received communication from Transunion regarding my dispute on XX/XX/2020 informing me that they have received my dispute and are currently investigating the inaccuracies and will let me know of the results of the investigation. As a result, one collection account was removed, but then the other disputed items were only verified as " accurate ''. In my dispute letter, I clearly stated that I need physical proof and documentation of the verification of these accounts, NOT just wording that " states '' the information is accurate. The results gave no clear indication or documentation of how these accounts were verified. They provided no information regarding who they talked to, what documentation/contracts they have in their file to prove my accountability for these accounts. All they sent me was an updated copy of my credit report. Very disappointing! 

Moving forward, on XX/XX/2020 I mailed another letter to Transunion by certified mail. Tracking number XXXX. Requesting information and proof on their methods of verification. The letter was received by Transunion on XX/XX/2020 at XXXX. In the letter I clearly stated a timeline of only 15 days to send me verifiable proof/documents of the accounts that were still in question from dispute # 1. 15 days has since passed and I have not received any correspondence back from Transunion nor any updates to my credit report. I am extremely disappointed in the dispute process by Transunion and I want this information off my credit report, before I pursure legal action.

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 2023-07-02
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:
this account XXXX XXXX  XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX of last year, {$1000.00} had been withdrawn from my prepaid Bank of America XXXX card. I did not give anybody my card or pin number nor did I authorize anybody to use my card ever as one Bank of America phone representative insinuated. After I had discovered the missing funds and reported what happened to Bank of America, I received a letter from them all of three days later stating that my account seems to have been involved in some fraud and the case was closed. I called BofA again and asked why nobody had investigated and how could they just ignore my claim like that. The representative told me to write an appeal letter reiterating that I did not authorize the transaction in anyway nor give out my pin number and to please conduct a proper investigation. I did as instructed and faxed the letter over to the number she gave me on XX/XX/2020. By XX/XX/XXXX, Bank of America 's response was to freeze my entire account which had {$2300.00} in it and left me with no money at all. I made numerous phone calls only to be insulted by employees or to be told that I was just one of hundreds of thousands of people which did not help. I wrote them a letter again on XX/XX/XXXX, and again on XX/XX/XXXX. Finally, the {$2300.00} was released on XX/XX/XXXX and that was the end of it. I was right back where I started when I first called to complain about the missing money. They apparently still have not bothered to investigate, they won't cover the loss as even their own website states and they will not do anything to help me with this. They didn't even send me any kind of courtesy notice either when they froze my account. I am yet again requesting that Bank of America replace this {$1000.00} stolen from my account as they are supposed to assist when a customer has been a victim of fraud not make the situation even worse for them. I will never use their card again, because it obviously is not safe and offers no protection for consumers. I am tired of trying to deal with them and would just like the money stolen from my account to be returned. They clearly have no intentions of taking any actions on my behalf.

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 2022-01-06
Company: Ark-La-Tex Financial Services, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Upon applying for the VA mortgage in the amount of {$350000.00} in XXXX of 2021, I was assured all 3 credit reporting agencies would be polled at one time so only one hard hit would be on my credit record. I released my freeze on all 3 agencies for one day and was called with a mortgage refusal as they did not ( failed ) to poll all the agencies-they only did two. I refused and said that is the reason my credit is frozen-you have zero liability while lowering my credit rating. I was at XXXX with the credit agencies. That turned into a real battle and I would not release my freeze and finally I won. 
At closing it is advisable to have an attorney look at papers and with their pathetic closing-It was for a home in Ky. and we were living in Mi so it was remote and we were getting changes on fax up to 30 minutes before signing so basically we were denied any chance for a lawyer to review the details. 
In the beginning of XXXX I elected to pay the remains of my loan off-I paid over XXXX from XXXX & XXXX XXXX XXXX XXXX and XXXX XXXX XXXX would not be accepted so they forced me to pay wire fees for a payoff in the amount of {$480.00}, I did not agree as I felt it was totally unwarranted when over XXXX $ was paid from XXXX XXXX  XXXX XXXX XXXX via ACH. They refused so I said take my escrow which had {$730.00} remains after paying taxes and home owners insurance and they refused to honor that funding. 
Bottom line I had to pay for a wire fee to pay the remains off. We submitted the payoff wire on XX/XX/XXXX for the full amount and have a paid in full letter from them. 
The problem, they claim to have mailed my escrow rebate on the XXXX of XXXX. It is way late and we have received every XXXX XXXX cards and bills remitted to our residence. I believe they are simply holding my money interest free and ripping me off. Their response was we will not send a replacement check for 30 days. I asked them if I had handled my loan payments in a like manner would it have been acceptable and I was hung up upon. Could you please assist me with this very disreputable organization?? 
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 explanation
Consumer complaint received 2020-07-16
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: Information belongs to someone else

Complaint:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$560.00}

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 2020-12-08
Company: ALLY FINANCIAL INC.
State: NC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-04-03
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
about the year 2003 we did a modification of our mortgage with XXXX..My husband is XXXX yrs old, we just recently applied to get a Reverse Mortgage only to find out that XXXX XXXX had tacked a balloon note to our existing mortgage which is collecting huge amounts of yearly interest which disqualifies our application making it almost imposible to ever repay..I want help getting this balloon note tacked on forgiven.He is a XXXX and we want to die in our home, not on the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX {$560.00}

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