BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Equitable Acceptance Corp
State: TN
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:
About a year ago, I was called by a company called Equitable Acceptance saying that they would help me pay on my student loan and I would pay XXXX towards my student loans. However, I later found out that that XXXX was going to something that is said to be a 3 year doc fee. I feel like I was scammed because I asked if this would go towards my school loan and they told me that it would. However, it appears on my credit report as a credit card loan that I have to repay which is XXXX. I would have never signed up for this service had they told me it would not go towards my school loans. I would have just have paid what I owe directly to the people I got my school loans from. They take money directly from my account every month on the XXXX and I called and asked them to remove the loan because I did n't want to continue services and I was told that I had 3 days to cancel and it was well pase my 3 days. They also mentioned that they paid XXXX XXXX XXXX for me thats why I had to repay them. I really need to get out of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Miller, Stark, Klein and Associates
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had some credit card debt with XXXX XXXX ( XXXX XXXX XXXX ). In XXXX i made payment arrangements for the debt with XXXX XXXX XXXX ( tel. XXXX ). I made monthly payment of {$150.00} until the debt of {$3000.00} was paid inXX/XX/XXXX. The collection company has gone out of business and the debt is still showing on my credit report. It has been very difficult to have it removed. I have the cancelled checks for each payment to the collection agency. 

I received a call from XXXX XXXX of Miller Stark Klein & Associates on the morning of XX/XX/XXXX. She claimed she was calling to setup a hearing for collection of the debt owed to XXXX XXXX. She proceeded to give me all sorts of my own personal information and then an ultimatum of three options : 1. ) Pay a settlement amount of {$1600.00} today 2. ) Pay {$6400.00} over 6 installments paid monthly or 3. ) Setup a hearing and pay {$12000.00}. 

I explained that I had already paid this debt and the circumstances surrounding the loan and she stated that the payments were made to an unauthorized collector. When reviewing the firm online I found a number of complaints about attempted collection of old debt and the tactics the company uses to scare consumers into making payments that may not be warranted. I have filed a complaint with the Attorney General 's offices of both Arizona and North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I had been using autopay features in Bank of America online banking to pay my account faithfully for several years until these features suddenly disappeared from the site without warning or notice. I called the company several times and was told I could in fact set up autopay again and keep paying the full balance each month ; however, I would follow the steps the customer rep would give me to re-add my checking account and would still not be able to pay the balance -- only the minimum. The last time I called, I was told I need to fill out a paper form in order to be able to pay the full balance ( thus essentially defeating the purpose of online banking ), which would be mailed to me, and it has not been sent to me to this day. I captured this conversation in screen shots. I can only conclude from this behavior that Bank of America does not wish to make it possible for its consumers to pay their balance so they can take advantage of this gap for profit. This has been a huge waste of time for me and has negatively impacted my credit because I also do n't get email reminders of my bills anymore or paper notices.I would like my credit rating revised as needed for late payments and for the following charges to be reversed : XXXX {$25.00} fee, XXXX {$37.00} fee, XXXX {$27.00} fee, and any other associated fees or interest that have not posted yet. I have been a loyal customer to them and should not be punished for their lack of foresight in designing their online banking and/or duplicitous lending practices.

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 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is in response to Trans Union response for complaint # XXXX. that they are still working on problem from initial dispute. That it may take up to 60 days. 
Transunion dispute has no active disputed being performed that initiated in XX/XX/XXXX going forward. this is stated in the Dispute center at transunion it says no open disputed. 

Let me be clear FCRA say 30 days to investigate and if the furnisher or consumer provides additional information than a extra 15 day. The Dispute was signed for on XX/XX/XXXX. The furnisher provided no extra information, Better yet the furnisher said they don't do investigation or report to the Credit Bureau. So Transunion was in violation on the 31st day for failure to complete investigation. FCRA says the remedy for that is DELETION of negative item. It is to be removed from Credit Report. 
They are also in violation for reporting false information willfully and negligently. 

In this case we are talking about the Public record that Transunion failed to investigate. So for Transunnion to say they are still working on the problem they are lying and Time is Up. Transunion needs to DELETE PUBLIC RECORD IMMEDIATELY. I have everything well documented and will file legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: GA
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 am trying unfreeze/lift a credit freeze on myEquifax online but I get an error on the website and it showed a number I should call. The agent I talked to can not find my record using my SSN or personal details ( birthday/address/phone number ). They recommended that I mail them a copy of my SSN, license, address to a XXXX XXXX which I am hesitant to do. Since I was able to create my account on myEquifax and see that my credit has a freeze on it, then I believe they should be able to find my record. I hope you can assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Navient was supposed to send me documents reguarding the late marked on my credit.They removed them but still have not sent me documents about the removal.I was granted forbearance and deferment from 2008 from Navient.During this process Navient was not allowed to mark my credit late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: MS
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. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: CT
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 XXXX hard inquiries from finger hut that I never had anything to do with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: CO
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:
Experian continues to report delinquencies for XXXX account XXXX through XXXX XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XXXX XXXX, income which I subsequently was required to include with my taxable income on my XXXX tax filing. They correctly report the balance as zero, but report delinquent payment history for each month through XXXX XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

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 2017-10-26
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a premier checking account with the bank on XXXX/XXXX/XXXX in response to a promotional reward offer send to me in the mail. As per the offer the bank supposed to credit the reward of {$350.00} on XXXX/XXXX/XXXX. But to my surprise the bank credited only {$100.00}. I sent an email to the customer service and they said this kind of problem has to be taken up with the person at the branch where you opened the account. So called the bank ask for XXXX XXXX. I was told that XXXX is coming only at XXXX. I called at XXXX then I was told he is coming at XXXX. Again I called at XXXX and spock with XXXX. He said he will get back to me but he never did. I called him again in the afternoon then he said it will be credited tomarrow or early next week.The credit did n't come to my account until XXXX/XXXX/XXXX and I was frustrated on this matter and I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-01
Company: Experian Information Solutions 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2021-11-09
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was unable to make payments to my Sallie Mae student loan due to insufficient funds during the middle of COVID. I had no job, and my unemployment was XXXX  $ / week and I couldn't even afford to eat and Sallie Mae told me they would give me 1 month of forbearance and that's all!

My credit score dropped to a XXXX and I've been struggling to increase it but I have a 90 day on my credit report, and no matter how many times I try to dispute this multiple times and still no success.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services have placed two collections accounts on all three of my credit reports. I have contacted both Credit collection Services and each of the three credit bureaus with information verifying the debt and the ability to collect. The three credit bureaus have received certification from Credit Collection Services that the accounts are valid. But I have not received any information regarding the debt verification and the ability to collect after asking repeatedly for the past several months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After reviewing my report, I saw that several accounts were opened without my knowledge. This has created great turmoil for myself and my family and I have suffered greatly because of this. I would like to move past this situation.

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 2019-04-15
Company: WELLS FARGO & COMPANY
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:
after carefully reviewing my credit report and Wells Fargo Card Services has not updated the credit account to included in bankruptcy with a XXXX balance. Per the FCRA if an account is listed on an active bankruptcy then the creditor needs to update the account as included in bankruptcy with a XXXX balance and/or list is as closed and remove the account from the 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 non-monetary relief
Consumer complaint received 2019-04-01
Company: Experian Information Solutions 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 am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX   XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After numerous attempts to modify my loan I was turned down by Wells Fargo in XXXX. My last alternative is to short sale the home which they are blocking me and denying my ability to short sale the home. I received a phone call from XXXX XXXX this morning XXXX saying that the reason given for the short sale denial is given my past denials for loan modification? Additionally she stated that the senior vice president of wells fargo stated on XXXX not to approve me for a short sale. 

Previously, 3 times Wells Fargo had placed my loan in a short sale without my knowledge. No timeframes no notices were given to me and when I called to find out what was going on, they said the time was up. I then proceeded to request the notification which is mandatory that my loan was in a short sale, from Wells Fargo. They could not produce the letter. moreover I was speaking with the collections department who was masquerading as the short sale department and hung up after I was on hold for an hour. I reported this behavior to XXXX XXXX in the Office of the president. He said he would look into the matter and listen to the telephone calls. 

Now I am faced with an excuse I ca n't wrap my mind around. I complied with what they told me and submitted every requested document. This request for a short sale originated from Wells Fargo. The request to send the offer in 40 days before the sale date was fulfilled and they called back and asked for additional documents which I complied with and then I get the call this morning. This is all coming from " the re-entry department ''. 

This is my last alternative to foreclosure and I understand the basis of denial. Was I not to apply for a loan modification previously? 

I have a buyer ready to purchase and a back up offer ready to go. Please help me not to loose my home to foreclosure.

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