BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have made several attempts to communicate with your Offices. In Exhibit B you will find copies of my certified mail receipts. 

The account listed in Exhibit E is inaccurate, not timely, and carries no documented evidence of its existence. To the least, it has not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting this non-compliant unverifiable account on my credit report. 

I have attached undeniable proof that you are in violation of the FCRA by reporting false and inaccurate information concerning the account listed in Exhibit E. 

I have attached a print-out of my XXXX XXXX Statement dated XXXX, XXXX XXXX. CST. This statement shows the correct balance and payment information Exhibit C. 

On XXXX, I filed a complaint # XXXX with the CFPB for failure to provide certified proof that the account was valid and accurate. In Exhibit D you will find a copy of the CFPB Complaint. 

Credit Reporting Agencies have a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau provide certified proof that the information that they publish or provide is in fact 100 timely and accurate. 

Credit Reporting Agencies can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

The evidence that I have attached proves that you did not conduct independent investigations of my dispute because the balance and payment amounts are and have been incorrect, inaccurate, and not timely. ( Copied from attached Affidavit ) ****

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 2021-01-30
Company: Nelnet, 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: Problem with personal statement of dispute

Complaint:
Nelnet representatives told me that because the delinquent payments were accurately reported inXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, that any subsequently initiated deferments would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation

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 2022-08-09
Company: Experian Information Solutions 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:
In XXXX and XXXX of 2022, I sent a dispute to Experian due to inaccuracies on my credit report XX/XX/2022 I got a response with no action being taken it just stated updated No changes I requested that the debt be validated or removed and that did not happen.

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 2021-08-14
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
American Express made me an offer for a personal loan but there was an issue with their website sending me an email needed to authenticate myself. After several calls they authenticated me and said to look for the email to accept the offer. They sent email on Thursday but I missed it until Saturday morning at which time the offer was expired and voided. 

American Express said I had to wait for another offer. They couldnt help resolve this and withdrew the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX can not produce my loan information they refer me to XXXX who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
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 information incorrect

Complaint:
Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

XXXX and Equifax has failed to validate debts ... the accounts were indeed settled with original creditors ...

XXXX Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX Equifax   Accounts Credit Protection Opened XX/XX/XXXX{$250.00} Original creditor : XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
I am a victim of Identity theft and I would like to have my documents looked at and deleted.

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 2021-08-14
Company: EQUIFAX, INC.
State: CA
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 disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the 30-day time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Frauding scams IDs frauding my documents and medical record of birth certificate long form of Md XXXX and doctor XXXX XXXX scams IDs and accounts frauding my XXXX country Indiana using XXXX XXXX scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana XXXX scams frauding my XXXX XXXX scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX California mall

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 2021-08-14
Company: AMERISAVE MORTGAGE CORPORATION
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 XXXX XXXX XXXX Loan Originator NMLS ID # XXXX With AmeriSave Mortgage Corporation NMLS ID # XXXX pulled mine and my husbands credit without consent. We only found out once we got your credit score disclosure in the mail. We applied for a loan somewhere else and he started calling multiple times so I talked to him. I never gave him our so local security numbers. I do not know how he had them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: National Credit Adjusters, LLC
State: WA
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:
I received collection notices for two accounts that previously dropped off my credit report ; the original debts stemmed from XXXX. The accounts were not showing on my credit report, but they came back in XXXX. 

I understood if I paid the full amount of the debt owed, the collection agency would remove these items from the credit bureaus. 

I wanted to be done with these negative marks on my credit report. Hence, I paid the two collection balances in full to National Credit Adjusters Collection Agency, who put the collections back on my report. However, these debts remain on my credit report showing paid, but I understood by paying the debts in full and not negotiating a lower payment, the debts would no longer show at all on my credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My home equity line with Bank of America has turned into the payback period and the payment went from $ XXXXmo to $ XXXXmo. I applied for their modification program and was rejected and told that the reason was because my payments weren't late even though the new payment is a burden. 
In XXXX of this year I went into a Bank of America Branch to make a payment that was due on the XXXX on the XXXX The rep checked with the collection department to make sure I was not 30 days late ... The rep in the collections that the payment is not considered 30 days late until after the month changes even if that means 34 days when the due date is the XXXX. 
With that information I made my payments after the XXXX of each month but before the first. 
Now I find out that in XXXX they reported me as a 30 day late. 

Also the payments I was making included what I was being told was a late fee of about $ XXXXmo. But that was not being applied to the late fee but to mortgage so the late fee was increasing each month. 
When I called to discuss that I was told that If I did not pay the late fee I would not be reported as 30 days late and asked the individual who I spoke with in collections that If I subtract the late fee from the amount due I would be fine. 
Then again the misinformation that I was giving by the collection department resulted in me being told my payment was insufficient and because of that I would be considered 30 days late in XXXX. 
I could neither resolve any of this with Bank of America or the credit bureau. 

I want these lates removed from my credit report so that I can refinance into a new heloc that is affordable. 
Because of this charade my credit score has dropped to the low XXXX 's The on-line banking summary section is very confusing concerning late fees and amounts due

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 2020-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have submitted my driver 's license and paystubs to Equifax on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that Equifax may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from Equifax and I believe my consumer rights have been abused and violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I went to the ATM machine right outside the front door of a Wells Fargo bank branch to deposit a check. The ATM took the check into the receiving slot and then displayed a message indicating some sort of error. It indicated the check could not be processed OR returned (! ). I immediately went inside. The teller I spoke to said the check probably could be retrieved. When I asked for that, the manager took over. She went into the secure area accessing the ATM from inside, took about 10 minutes and then came out and told me " there are too many checks to look through ''. She told me to open a complaint with Wells Fargo, she was not at all helpful and was even hesitant to give me the phone number to make the report, which she finally did. I asked for a staff member to be with me while I placed the ca in case the people at the complaint phone number needed information I might not have - she said no staff person was available as they had appointments coming in - but two staff people were free. 
Since then I have been contacted multiple times by various Wells Fargo staff, by phone, emailand regular mail, never requesting additional information simply saying, " We're processing your inquiry. Thank you for your patience. '' On XX/XX/XXXX I received a letter indicating they had processed a " provisional deposit '' for my checks amount of {$2000.00}. 
Today, 6 weeks since the ATM error, I received a letter stating, " no error has occurred '' and that the " provisional credit '' will be deducted. 

I am beyond upset and so disappointed about this. I know what happened. For Wells Fargo to tell me " no error occurred '' is incredible. 


I find it so upsetting to think about the consequences of something like this had I been in desperate need of the money for rent or bills or if I was less able to pursue my complaint. 
I also worry what I would have done had the ATM not been located right outside the branch office or if the bank has been closed. 

I've been told by Wells Fargo that I should have the check reissued. I think that was their game plan all along - to wait it out until I gave up on them and had the check reissued.

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 2020-05-09
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I sent this company a certified letter requesting validation of debt paperwork. I received no paperwork validating the debt Allstate Credit Bureau , Inc. is reporting to all 3 major credit bureaus. On XX/XX/XXXX I sent a certified letter no response. On XX/XX/XXXX I sent a certified notarized letter with a signature recipient card attached. I received the card back from the post office showing Allstate Credit Bureau received the letter. However, I still didnt receive validation of debt documentation. I filed a complaint with CFPB on XX/XX/XXXX & XX/XX/XXXX however I still received no documentation. In addition, I filed a dispute with XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Furnisher has an obligation to ensure accuracy of information and to correct all errors. However, The Furnisher for  Allstate Credit Bureau is continuously breaking the laws of the FRCA and violating my rights. Lastly, I filed a complaint with the FTC on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On the last week of XX/XX/2020 I called a Ally Financial and spoke to a representative and ask here that i need to skip XXXX payment for reason that my mother in law was XXXX  with XXXX XXXX and needed a little time to make the payment. I do not remember her name but she said she would help me. So as soon as I was able to make both payments I did and as time went on I receive an email from XXXX  and it read that I received an negative mark on my credit report. I have tried multiple times calling Ally Financial to correct this mistake with no avail. All I asking for is Ally Financial to remove the negative remark on my credit report. 

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 2018-12-11
Company: Navient Solutions, LLC.
State: VA
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 received a loan for school, through XXXX back in XX/XX/2004, for around {$20000.00}, but the school went out of business before I could finish the classes. Ive been paying on this loan since then, I have tried to work things out with Navient through emails, but have not received any response. I have tried to make payments on their website, but have been refused, stating the payments were not enough. Now my loan is in default. I will not conduct business over the phone, My information is to important.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I went to deposit cash into an atm that is located on XXXX XXXX in XXXX, PA. It was inside the lobby. The machine kept saying it could not accept the cash, and kept spitting it out. I have had multiple problems with PNC 's atms!! And this one in particular was even replaced, and the still have the same issues!!!!!!! I did not try a 3rd time because in the past the atm ate my debit card, and it was a MAJOR HASSEL TO GET IT BACK!! I called thier customer service, and they supposedly reported the issue and he refused to send me an EMAIL CONFIRMATION OF OUR TALK, AND HIS PROMOSE TO REPORT THE INCIDENT. That was very unprofessional also! So I literally have no proof that he even noted my account of the incident. However, this time I was smart, and took a photo of the atm, when it said it can not process the cash deposit. 
Now my account has 4 overdraft fees!! I want those reversed NOW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Tried to make a payment on the website, but it was refused, saying it wasn't enough. My card has been charged off since then. My payment tripled. I had autopay. My card has also been stolen, so I do not know the credit card number

Company response to consumer: Closed with explanation