BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to do my recertification for income sensitive payments since XXXX. I have mail, I have faxed my proof of income 3x, plus mailed in twice, gave called navient several times. I'm on XXXX and I get one form at the first of every year stateing what amount, what day and year i will be receiving my direct deposit. I got my student loan in XXXX and every year since then I have mailed in this same yearly form. This year for some reason they will not except it. I was told again today that my letter of benefit amount will not be accepted. It has the date, the amount, the year my funds will deposited into my account. So I was told They want a letter for when I was first approved for temp XXXX clear back in XXXX.That letter will have not show my proof of income for XXXX. I don't understand why this year it's not being excepted. I'm going to be in default on my loan now because of this.I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Investigation took more than 30 days

Complaint:
filed complaint against Equifax XX/XX/2020 with CFPB # XXXX. Equifax acknowledged interim receipt of this complaint on XX/XX/2020 but failed to pursue action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: DE
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:
Fraud Inquiries on my Equifax report from these Companies i did not authorized from XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX on XXXX and XXXX and XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX AND XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 2021-11-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had XXXX fraudulent transactions from my Wells Fargo checking account amounting to {$730.00} between XXXX. My wallet was stolen I immediately filed a police report and disputed the fraudulent transactions. After XXXX  days, I was notified that my claim was denied after an extensive investigation. They're saying it was because my pin was used, in which I have no knowledge to how it could be used. I was also told there is no appealing process and the case is closed. The decision is unacceptable in my eyes because I have no clue how it could have been a thorough investigation after me making contact immediately and filing a police report immediately. There is nothing that I wasn't willing to do to help the investigation. Wells Fargo didn't keep in contact throughout to give an updated or communicate what could help. The decision was just made on the 10th day which seems rushed.

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
We have been dealing with the credit reporting agencies since last year. We been asking them to provide information how they get our public information about our public records. They keep coming back with XXXX XXXX XXXX XXXX. But I thought if you have items included in the bankruptcy they should remove the items from the credit report. I even received a letter from the court system stating they don't report this kind of information. I have medical bills that was updated that was included in the bankruptcy. We have a lot of things on our credit report dated after the bankruptcy date of XX/XX/XXXX. They keep asking us to provide proof but what good as that if you keep giving them the information and they giving us the same response. Then if you filed a chapter XXXX bankruptcy XX/XX/XXXX if should have a date of 90 days to process right? But the complete discharge date is XX/XX/XXXX. This information is also on my husband 's credit report too. This is stopping us from going on with our lives. So we decide to turn to your company for help.

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 2019-01-02
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: Their investigation did not fix an error on your report

Complaint:
this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX reporting on XXXX, XXXX   AND EQUIFAX credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time.

The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I asked XXXX on my phone to " Call Cashapp '' and they dialed a known scam number. I ended up losing access to about {$15000.00}. I immediately contacted Cashapp to gain back access, but after going through their entire verification process they still refused to give me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debt that doesnt belong to me and Ive made several attempts to get it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Nelnet, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX I had 9 accounts through Nelnet that hit my credit report. Reporting late I had no idea that payments were due because my accounts were in deference status. Usually there is an upcoming date to remind you of payment through email. I did not get reached through email or valid address. I called immediately once I found out and they didnt see that they tried to reach me by email either for a reminder. Instead they went off public records which was incorrect due to me having identity theft in XXXX were someone obtained my information and opened multiple accounts and attached mailing information to a XXXX XXXX . Ive contacted Nelnet multiple times to see about getting the late payments removed. Ive even tried to work out payment plan if late payments could be removed. They had no way of contacting me and instead of apologizing for the inconvenience the representative basically said its my problem and it will not be removed. I had no recollection of this being late and it is impacting my credit very negative especially with me being in the process of trying to purchase a home. I can not do anything with 9 accounts showing late and its the same lender very unfair! Especially because they are not offering any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 non-monetary relief
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts and Inquires listed are not done by myself. Please delete immediately.

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 2019-07-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I was a part of a fraud/scam using Wells Fargo 's XXXX service. 

An individual was selling event tickets in XXXX XXXX, which were presented from XXXX. The scammer named XXXX XXXX began to share the ease and security of the transaction since XXXX was a service endorsed and backed by our banks, Wells Fargo. 

The transaction occured over the phone where the scammer provided a name, phone number, and cost of the event tickets. The amount transferred was {$400.00} for 2 tickets. 

The scammer remained on the line to verify the transfer. Once verified, he said he was now ready to initiate the online ticket transfer using an email address I provided. Then he hung up. 

After calling back, I realized my number was blocked and involved in fraud. I immediately called Wells Fargo 's fraud department to help address the situation, only to be directed to filing a case number and told an investigation would take place. 

2 weeks go by and I received a letter from Wells Fargo saying they can't do anything about the matter and will not credit the {$400.00}. 

As a Wells Fargo customer for over 20+ years, the customer service experience and protection protocol for customers in these fraud situations is an absolute mess. Countless calls for help has resulted in nothing. Ultimately resulting in a process to take my banking elsewhere.

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 2019-01-02
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: Account information incorrect

Complaint:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleaSe delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Trans Union on XX/XX/XXXX at XXXX XXXX central standard time spoke with a man name XXXX informed him of a item i will like to dispute because i can not identify this item in question, can he give me any information on the item he said they have no information and that they can not get the contract to prove accuracy and that i can not request a investigation to get item removed i will like to dispute item 1XXXX {$340.00} reported XX/XX/XXXX do to me not being able to identify item and that the credit reporting agency can not provide me with the original contract nore information to prove accuracy

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 2018-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On the XX/XX/XXXX I made a deposit of XXXX USD into an ATM machine of bank of America with the ID XXXX and only XXXX was credited to my account. 

The branch staff did n't try to help. I also called BOA 4 times and could n't submit a claim given no one was available for a period of 2 hours. 

I tried to submit a complain through their customer service department and they would n't give me a complaint number to follow up on.

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 2019-07-03
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The reason for my dispute isJefferson Capital Systems was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Jefferson Capital Systems has  reported a fraudulent account on my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.Jefferson Capital Systems is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where Jefferson Capital Systems, are in compliance with OHIO LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My TransUnion credit report shows two inquiries that shouldn't be on it. On two different occasions, I disputed those inquiries for their inaccuracies. I submitted letters written from the companies that ran the inquiry.

One company stated that they had NO documentation, no proof of permissible purpose for my credit being run on XX/XX/2018. That inquiry was : TransUnion Rental ScreeningXXXX XXXX. TransUnion has failed to remove that inquiry. The inquiry remains on my credit report. It is inaccurate and unverified and it needs to be deleted. I have attached the mentioned letter for proof. 

The second company, XXXX XXXX, submitted a request to TransUnion to change an inquiry that they made on XX/XX/2018 from a hard inquiry to a soft inquiry. The inquiry remains on my credit report as a " Hard '' inquiry. TransUnion has ignored the request from XXXX XXXX to change it to a " Soft '' inquiry. This inquiry was reported wrong and needs to be updated as stated or deleted. I have attached a letter that XXXX XXXX wrote to me informing me of their request to TransUnion for proof.

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 2021-11-30
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 information incorrect

Complaint:
High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On Experian it shows that the high balance is XXXX, the date of last activity is all different .Its stating on Experian the merchandise was taken back by XXXX XXXX, XXXX XXXX its a charge off as a bad debt, Experian is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file

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 2019-05-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had already made my payment for this month and had a {$0.00} balance due. I got an email today from Navient, XX/XX/19, that " the payment term for your loans has changed ''. It then says next payment amount : {$50.00}, and next payment due date : XX/XX/19. So they changed the terms of my loan to instantly cause a past due payment. I go into my loan and sure enough, it has in big red letters that it is " PAST DUE ''. I had made a payment on XX/XX/19 for {$400.00} toward this loan and had no balance due this month, then suddenly they created a retroactive past due balance. I'll be so angry if this hurts my credit score.  How can this be legal? I immediately submitted payment even though this shouldn't have happened and just needed to report this insane behavior.

Company response to consumer: Closed with explanation