BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Regional Management Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A hard inquiry was placed on my XXXX credit report on XX/XX/2023. I noticed the inquiry on my credit report on XX/XX/2023 and called the company immediately. I spoke with the manager and she said that she would get it removed. I followed up a few times after this and got the same response. This still has not happened up to this date. I spoke with the national branch a couple of times since as well including today ( XX/XX/2023 ). Today the branch manager is saying that I requested additional funds and approved the hard inquiry. These statements are totally false, and they have no proof of this. They will not remove the unauthorize inquiry, admit that they did not have my permission to run my credit, or provide proof that I requested a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Nelnet, Inc.
State: PA
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:
Nelnet was given standing instructions on how to apply my payments sitting a phone call to them in XX/XX/2018. Although, in XXXX, my payment was applied differently. I called them at the beginning of XXXX and was told that someone in the accounting department deciding that how they applied my payment was better for me, deliberately going against clear standing instructions that the staff member was able to articulate clearly from the notes on my account. I then called today, XX/XX/XXXX, to complain to a manager regarding this choice made by their employee. I was told that they would submit a formal complaint. I then requested that I receive a copy of the complaint. I was told that they could not and that was between Nelnet and the government.

There is no repercussions for this company and their inability to handle customers or their employees. No accountability to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me claiming that the bankruptcy was verified by XXXX XXXX AND THE Bankruptcy Court Appalled by that information, I went directly to XXXX XXXX AND THE Bankruptcy Court and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. 

I have enclosed their letters for your inspection. Please DELETE this item from my credit report as it is NOT verified! ( US BANKRUPTCY- XXXX ) The OCR and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Best regard, 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 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was informed on XX/XX/XXXX, by email that my Bank account password was changed. I then called Bank Of America and I was informed that someone tried to use my information to deposit fake checks into my account. I was told I can report it to fraud department but nothing can be done. I went through the fraud department then I went online to open a new checking account due to this situation not being my fault as well as being scammed. I was also told the location of where they tried to deposit which is nowhere near me due to school and the transaction history shows me using my debit card in my city XXXX XXXXXXXX XXXX on 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 2022-12-04
Company: EQUIFAX, INC.
State: NM
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 noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX XXXXXXXX False 30 day late pay reporting Date Last Active XXXX : XX/XX/2022 XXXX : XX/XX/2022 XXXX XXXX  XXXX Account falsely reporting to XXXX I have attached my ID and proof of address to get this resolved without any issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
As a XXXX XXXX rate service connected permanent, and total Veteran Administration XXXX XXXX XXXX Veteran since XX/XX/XXXX I never had credit cards or credit in my lifetime until I reached age XXXX due to untreated service connected XXXX from XX/XX/XXXX-XX/XX/XXXX I survived on low-low income my entire single not married adult life. I established too many credit card accounts because all were so low capped I took too many that I ran into trouble paying off monthly. XXXX has a system where credit cards are treated like " Cash Advance Payday Loans '' that must be paid off in full each by the first of the month when I thought I was applying for a " revolving charge account '' type of credit line never having credit cards in my life before. This became overwhelming on my Social Security Retirement {$450.00} a month benefit and for XXXX {$3100.00} a month VA XXXX with no savings, living alone outpatient care in XXXX XXXX with XXXX XXXX XXXX XXXX   veteran housing starting XX/XX/XXXX. I applied for a loan online with Avant they went directly into my XXXX XXXX XXXX Account page with remote password, and all credit card consolation loan for {$7800.00}. My credit rating went up 730-735 or so-after I paid them all off. But then a car repair gouge {$2500.00} on a XXXX XXXX XXXX front end work, and new tires XX/XX/XXXX over the year destroyed everything. All my accounts are closing, the {$310.00} to Avant is from Social Security thru two+ more years. I have applied for their refinance on $ XXXX balance several time automated system spits it back refused. I have explained my situation written email many times always automated system refusal with no personalized customer support type email in return from customer support. Now payments increase I use that payment for food, living, utilities, basic survival since missing last month payment after years of paying high interest.. No cooperation from Avant support at all just payment increase, and demand among other credit card companies like XXXX, XXXX XXXX and other high annual fee credit card corporations. Simply stated I can not pay on this loan another 2+ years from my XXXX now {$460.00} a month with XXXX XXXX  and maintain my XXXX XXXX, XXXX, XXXX XXXX and sustain a living situation or go homeless again after being homeless from XX/XX/XXXX to XX/XX/XXXX in XXXX County , XXXX XXXX , Florida . My Avant account monthly payment plan c/p : Principal Interest Fees {$140.00} {$170.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or about XXXX XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via bank wire and through an intermediary named " XXXX '' in the total amount of XXXX USD utilizing Bank of America 's services

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 2020-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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 tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: ALASKA USA FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, This was a vehicle loan and I was in an accident in 2016. I could not fix the vehicle, so Alaska USA took the vehicle, fixed it and auctioned it off to satisfy the remaining of the loan. They closed the account stating it was paid in full. However, it is still showing on my credit report as negative. Alaska USA added the following comments to my report Remarks : Charged off as bad debt Dispute resolved ; customer disagrees This needs to be taken off of my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
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:
I have late payments posted on my credit report during COVID -19. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not give any company or consumer reporting agency written instructions or permission to report late payments, and your company as well as Experian, XXXX, and XXXX are in clear violation of the FCRA and the FDCPA for the following violations.

15 U.S. CODE 1681b ( a ) ( 2 ) Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;

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 2018-01-16
Company: EQUIFAX, 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 tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: FC HoldCo LLC
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2022-01-25
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In 2019 I bought a monthly service with XXXX and was not aware that they signed me up with a loan by GreenSky. They took my SSN and didn't tell me that this was a loan. Instead, they told me that this was a monthly payment. Until recently I just found out it's a loan and it's charging me 27 % interest rate. The original amount was 3000, and the interest is 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BMO Harris Bank has not adhered to its terms and conditions relating to the awarding of its {$200.00} savings account bonus paid to new BMO checking and/or savings account owners meeting certain deposit requirements. According to the bonus terms and conditions published and in effect when my account was opened on XX/XX/XXXX, the {$200.00} savings bonus is awarded when consumers open a new Platinum Money Market account and fund the account with at least {$10000.00} within 30 days of opening and maintain that balance for a period of 90 calendar days. As my attached money market account statements reflect, the account had at least a {$10000.00} balance from XX/XX/XXXX through XX/XX/XXXX ( 100 day period ). The terms state that the bonus will be credited within 150 days after opening or XX/XX/XXXX in my case. There is an additional {$100.00} bonus awarded when both this savings account bonus and a separate checking account bonus have been earned which has not been paid either, despite meeting the requirements and receiving the separate checking account bonus on XX/XX/XXXX. I have met all requirements necessary to receive the {$200.00} + {$100.00} bonuses including an opening deposit of {$5000.00}, funding to {$10000.00} within 30 days of opening, and being a resident of Wisconsin. My XXXX XXXX checking and Platinum money market accounts are open, in good standing, and have positive balances. I previously submitted an online secure message to BMO Harris on this issue and supplied them with the same info but have yet to hear anything back as of XX/XX/XXXX. I am hoping that by reaching out to the CFPB this matter can be addressed and resolved in a timely manner. 

Thank-you, -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 2020-01-06
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice from XXXX XXXX that I still had an outstanding medical balance, so I sent a check for the full outstanding amount on XX/XX/2019. 
On XX/XX/2019, the amount of the check was taken out of my checking account. 
On XX/XX/2019, Credit Collection Services USA generated a letter saying that my account had been sent to collections. The outstanding debt they listed was the same as that which had been taken out of my account 7 days prior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage has yet to address issues that was requested back in XX/XX/XXXX & XX/XX/XXXX in which they was mailed several US Reg Mail in which they sign for. I requested in XX/XX/XXXX proof of the series bonds front and back be sent to me for proof that this was a legal loan to the series bonds on the instrument that makes the loan legally binding. The was no effort on Wells Fargo Home Mortgage to ever send what was requested. I also have phone records that Wells Fargo Home Mortgage was not calling back to address the issue they had assign it to a direct person in which every time I call him he was saying he was working on it. 4 months past and nothing of the requested information was sent or address dealing with the series bonds and information I requested. I have over 175 calls detail on one phone line to how many tines I called. My other phone line has over 90 calls that all detail going back to this person that claim they was going to provide the information requested. I have it all on my phone bill detail billing. 

There has never been no effort to provide the issue with wells fargo home mortgage on what has been requested. This has been going on since XX/XX/XXXX and I have the documents and the detail phone bills as US REG Mail as proof to the issues and how wells faro home mortgage has dodge the issues at hand with fraud done on there part and not providing documents I have requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
these companies are violating my rights i ask them to show me proof who they spoke with and send me proof they legally had the right to repossess my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation