BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted TransUnion multiple times at this point about the inaccurate information held in my consumer report. There are six accounts that are inaccurate as well as 68 inquiries which are all unauthorized and not connected to accounts. This is a blatant violation of my consumer rights and rights to privacy with the furnishing of my information to third party 's without my authorization as well as furnishing accounts without a grand jury judgement or written instruction to furnish said accounts. This is a direct violation of 15 U.S.C.1681b ( 2 ) & 15 U.S.C. 1681n ( b ). I have sent them a notarized affidavit sent via certified mail with return receipt as well as an invoice for the violations they have committed against me.

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 2019-06-15
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: Information belongs to someone else

Complaint:
I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to Equifax, XXXX, and XXXX. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Nelnet, Inc.
State: MA
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:
Hows it possible that youve reported me 90-days late with no late payments prior to that? I was never late on this account.

I am not sure how this happened, I believe that I had made my  payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was paying my bill every month and I started to notice that the interested was not going down. I called and sent letters to try and get them to explain this to me and the kept telling me it's because of 31 days. The statements are confusing and customer service was no 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 2021-04-23
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:
so Ive been struggling to correct inaccurate reporting on my credit report from XXXX XXXX XXXX. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: MS
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 HAVE BEEN COMMUNICATING WITH THIS COMPANY SINCE XXXX OF XXXX VIA MAIL. I HAVE SUBMITTED SEVERAL REQUESTS TO THEM AND THEY HAVE FAILED TO UPDATE ME EACH TIME. PLEASE SEE ENCLOSED DOCUMENTATION THAT I HAVE MAILED OVER THE MONTHS. I FEEL MY CONSUMER RIGHTS HAVE BEEN VIOLATED REPEATEDLY AND I NEED THIS RESOLVED IMMEDIATELY. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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 status incorrect

Complaint:
There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX XXXX. Remove both accounts from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX I applied for an Income-Driven Repayment plan along with proof of my unemployment payments and submitted to my server Navient. On XX/XX/XXXX I received a letter indicating they were unable to process my IDR plan because I provide a proof of income but the document was not dated and that the document did not have a portion of it that was income taxable. On XX/XX/XXXX I resubmitted my original certification from unemployment with more dates, my weekly benefit amount, thr income tax withholding and payment issued. On XX/XX/XXXX, Navient sent me another letter stating what was on the first letter. I called Navient and they stated the print out from XXXX was not good enough and that I need to write down what I get from unemployment with the date that I wrote the letter included. I expressed that the document Government document was all I had to show my income and that XXXX restricts from printing certain documents. Navient told me that they would not proceed processing my IDR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When we moved to a new town, we closed our residential phone account with XXXX XXXX XXXX and requested that a final bill be sent to our new mailing address. We received that bill and paid it ( see attached photo ) ; however XXXX XXXX XXXX also allegedly ( according to XXXX XXXX XXXX collections rep ) sent a separate bill to our old address which we never received. Despite the fact we are current XXXX XXXX XXXX customers with a current mailing address on file, XXXX XXXX XXXX errantly sent these past due notices to the old service address NOT our current mailing address. When contacted XXXX XXXX XXXX was unable to validate or itemize the nature of the past due amount. Due to XXXX & XXXX poor accounting and billing practices, my credit history was damaged and I was unable to qualify for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: GREAT LAKES
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a loan through great lakes borrower. i didnt know my school took out 9 small loans and not just 4 that have a high interest rate. As well as when i but it in forbearance they never explained that when taken out my interest would be capatalized. I also was told i was on a income based plan and that because if my income my amount is XXXX a month. they never said anything was gon na keep adding on. i was trying to figure out why my loan kept going up. when it cane time to remew my income app i didnt get notified till it was to late and they selected a plan fr me than i called and had to reapply for the income plan. and they but it on forbearance without knowing that it would capatialize my interest they just said it would freeze the account. They also make you think that if your on an income driven plan thatbis payment if XXXX than you are ok not that it gets more each month. i got rushed into signing up for school, also XXXX would have went local and not online cause they pretty much had me sigb up for a documents. thing that i had yo intial and sign that they used later for loa s i dodnt know i had.but they hadcaccess to all of that i am just now seeeing some of the paper that aas for my loans. As well as my school was to help me find a job when they accutally made it worse. and never helped i found my oown job not doing what my degree is for, only to find out i still have to take a certification test that cost XXXX for the test XXXX for books and a XXXX memebership fee. thus is 3 years adter school they never me tioned this not even after i graduated they lied on my resume.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCA Reported that I have not made my payment for this month. I have attached the bank statement. I have not been 30 days late and I need this information updated. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Experian Information Solutions Inc.
State: FL
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 disputed XXXX XXXX XXXX XXXX as reporting inaccuracies on my credit profile. I sent Experian 2 disputes in reference to the errors and still are telling me that the account has been verifed. It is showing a {$2000.00} credit limit the high balance is showing {$2600.00} The Recent balance is {$24000.00} as of XX/XX/2019 this information is totally incorrect I need this account to be completely Deleted from me profile/credit 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is the second occasion in which I have noticed Wells Fargo charging exorbitant credit card fees above quoted rates. Previously, they have paid back fees without questions asked. If this is a pattern of behavior they are engaging in, in which they charge interest above what is quoted, they are stealing. I'm concerned this may be far-reaching. Many years ago even, I noticed they were charging interest on new purchases. I have taken pictures in this case of balances and charges. I could go to the company ( although they've made this difficult by not making it a disputable transaction ) but the behavior won't stop and a refund won't resolve this in this case, for me. They charged {$91.00} on a {$2200.00} credit card balance, an APR of approximately 50 %. These sorts of charges are predatory and hurt American consumers. Two photos are listed, one showing acct balance on XXXX, the other showing the interest charge on the same date. A third image is shared showing that the bank doesn't even list this as a disputable transaction. 
Thank you for your attention to this matter, 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 monetary relief
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Late payment being reported from XXXX contacted XXXX and was told they never reported a late payment ever purchased a cedit score from Trans union and the score must have reflected this ghost late payment

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 2019-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 Experian removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.

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 2022-08-12
Company: EQUIFAX, INC.
State: TX
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 been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completeky from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2019-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I had a mastercard through Bank of America for over 10 years. I have never missed a payment, paid my balance in fully faithfully every month. I received a form letter from bank of america in late XXXX advising me my account was closed. The letter provided generic possibilities as to the reason for closure but did not give me the reason for closure. They provided me their credit score of XXXX which is excellent. I proceeded to pay off my remaining balance with online access. I called a representative at Band of America a couple days prior to my final payoff and requested a check covering redeemed rewards points be mailed to my address. She advised that I should request the check redemption of the rewards points after my final payment. After the final payment, when I attempted to access the online account I was unable as the account was closed. I called XXXX at Bank of America ( XXXX ) on XX/XX/19. She found the letter submitted to me and she was also mystified as to the reason for closure. She was unable to find any evidence of my earned rewards points. She initiated a case with Case number : XXXX. I find the actions of Bank of America to be completely inappropriate. Not only have they damaged my credit by closing the credit card, they stole my rewards points after misleading me to request remuneration by check after finishing off my balance payment. Optimally, I should have my credit card account and points restored. Absent this step, I should receive a check for payment in full of my hard earned rewards points. I also feel an honest advisement of the rationale for the account closure after all of these years would be appropriate.

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 2019-05-19
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: Personal information incorrect

Complaint:
I disputed online to remove some addresses that do not belong to me and others to be removed because is incorrect. After submitting the dispute there response was " submittion failed ''

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 2019-06-15
Company: Servis One, Inc., Titusville, PA Branch
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a trial six month modification for XXXX. My husband and I never missed a payment. After the six month approval payment of {$780.00} a month. BSI wrote the modification contract for XXXX XXXX a month. When they had already approved the modification for XXXX, which we agreed to and never missed a payment. At the end of the trial BSI said we had to pay {$990.00} a month instead of the {$780.00} modification approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX/XXXX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX in an attempt to set up payment arrangements. The representative said she was unable to work a paymnt plan out with me that I could afford.said if they garnished my wages they would get more. I ask to speak to a supervisor. I told them several times i could only commit to {$25.00} a month without losing my house. The supervisor was extremely rude and kept over talking me. I actually had to tell her she did n't have to be so rude. At that point I agreed to {$75.00} a month that i am going to struggle to pay starting XXXX/XXXX/XXXX. She stated she would have the paperwork sent to me and I needed to fill it out and send it back so they could file it with the courts. As of XXXX I had not received the paperwork. I call them back and the representative apologized stated she sees where I spoke to the supervisor, but the notes are very viege. Stated no paperwork was ever mailed out and the agreement was not noted. This representative was very polite and said she would get that out to me and I should have it by next week. If I would not have called my wages would have been garnished due to the supervisor not submitting the payment arrangement she agreed to with me.

Company response to consumer: Closed with explanation