BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my year of birth & address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate year of Birth : XXXX I Demand Deletion of all these inaccurate addresses : - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NY XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX and should be spelled, FIRST NAME IS XXXX AND LAST NAME IS XXXX 2. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: GREAT LAKES
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My XXXX children attended College of XXXX for one year. We took out a loan with Great Lakes this was our only option to pay for the school. Our other option was for them not to attend. We took out a loan for about {$12000.00} for each child. At the end of two years we still owed over {$12000.00}. We were paying back the loan each month and the fees, interest rate killed us. We could not get ahead on this loan. We finally took out a line of credit loan at the bank and paid off Great Lakes. We had a % 6.00 interest rate at Great Lakes. Since taking out the LOC at % 3.00 with the bank I 'm over 1/4 of the way paying it off. Not only did I pay the loan off with Great Lakes they took an extra payment and took a month to refund it. This was the only option available at the time to finance with the College of XXXX. We paid for two years with cash at XXXX XXXX College for both our children. They both got an associates and when deciding to further their education they chose College of XXXX, and we financed it thru Great Lakes. I believe Great Lakes scammed me out of money by not applying the payments to my interest while we had the loan. The loan went down by {$400.00} in two years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: ACS Education Services
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Conduent sent me a notice in the mail that is dated for XX/XX/2019. I received the notice on XX/XX/2019. Conduent is stating that a loan from my XXXX school was sent to them to be my servicer and that I have 30 days to notify them of the inaccuracy. They are saying that I owe them {$4000.00}. The problem is that I never took a private loan, a perkins loan, or a FFEL loan through my institution. I cross-referenced all the loans I took out in XXXX school to the NSLDS database and this loan amount never shows up. In addition, I looked at all my financial aid award letters from my institution and they all say Federal Direct Loan or Federal Direct Grad Plus loan. None of them say institutional loan, perkins loan, or FFEL loan. I have already consolidated all my loans through XXXX XXXX XXXX which has serviced every loan I've had in XXXX school and this loan isn't one of them. The company is being extremely difficult to get a hold of to dispute this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
State: GA
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 cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to Equifax, XXXX and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-15
Company: BANK OF THE WEST
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, a mortgage company paid Bank of the West a {$200.00} subordination fee for our HELOC and even after calling and email, it never happened. Now trying to close the HELOC and unable to get a response from Bank of the West. Banks are only interested in opening accounts. This is not satisfactory.

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 2019-08-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase of merchandise costing {$500.00} and was told to send the money via XXXX on XX/XX/2019. Once this was done and verified the recipient was unreachable. I called my bank and they informed me that there was nothing that they could do And told me to contact XXXX. They said that we could do a dispute but there was no guarantee that it would go in my favor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Had an issue in an application I used. The developer for the application refused to help me with my issues. Called my bank to get my money invested back. Wells fargo claims department credited my account with funds then took them back. I have been contacting the claims department regarding my issue and they always tell me to re send in documentation. I have sent in my documentation 4 different times, ( each with a 48 hour waiting period ) and now my finances are spiraling downhill. The bank also took my VA  XXXX pay because of the negative balance I incurred from them taking the money back.

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 2020-12-07
Company: HW Holding, Inc
State: MD
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 account was closed. XXXX XXXX  XXXX  was sending me a letter of contract termination. we left on time of the contract end.

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 2019-02-22
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: Account status incorrect

Complaint:
I have contacted EQUIFAX to remove a duplicate account from my credit report since it has been close for long time but the refusing to do that. the account it has been paid in full and never late but i still have problem remove it from this credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: AES/PHEAA
State: NY
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:
Attention SERVICE RECOVERY TEAM XXXX XXXX XXXX PLEASE NOTE THAT I AM ADDING INFORMATION TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX I MADE A PHONE CALL TO FED LOAN SERVICING PHONE ON XX/XX/XXXX, AND SPOKE TO XXXX, ID  XXXX She informed me of my : Pay off age : XXXX yrs old Pay off amount : {XXXX0}, XXXX would not lose years paid into income based repayment plan prior. ( 6 years paid to XXXX would roll over to this plan ) General information to consider : I've made 13 years of loan payments total ... I paid $ XXXX month for 5 years ( XXXX ) before income based plan with XXXX XXXX XXXX I left XXXX in XXXX to seek a company that practiced ethics, which I thought was Fed Loan Servicing. 

In XXXX when I was applying for the loan, with Fed Loan Servicing I was told I would receive credit for the years I was on the income based plan prior Fed Loan Servicing by the person fed loan servicing gave that responsibility to. ( XXXX, ID  XXXX ) Now Im being told that I lost the 6 years that I paid into the income based plan because of the loan consolidation, which will cost me {$28000.00}. 

I chose Fed Loan Servicing because XXXX was not forthright in sending me a complete break down of my loan payments until I filed a formal complaint with Consumer Finance Protection, which took nearly year to resolve. 

No actual prospective payoff dates are given with the way the system is set up now, since borrowers must reapply for income based plans annually. Adding six years of payments to my existing program puts me into my mid 80s to complete this loan. ( a 35 year loan, with interest. 


Loan forgiveness plans are confusing and the borrows are told conflicting information concerning payments. I was told on two accounts that I must consolidate my loans in order to qualify. 

This results in large systemic ethical lapses, and consumers like myself are forced to be very proactive in rectifying poor lending practices, and lack of information given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX ACCT # XXXX Is reporting a debt on my credit file that I do not owe. This debt is not mine, and I have never had an account with or opened any accounts with XXXX XXXX. I have contacted and advised them that is a fraud account and it needs to be removed off 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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! 

The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests.

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 2019-08-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Consumer Financial Protection Bureau, I am trying to place a credit freeze with Experian, and I have been unable to do so. I had no similar difficulty doing the same with XXXX and XXXX 

I tried to do this online with Experian, but was unsuccessful. After being asked a number of questions, I was told they could not confirm my identity, and I was instructed to mail supporting documents. I did this a number of weeks ago, and thus far I have received no response. 

Initially, I thought I had answered the online questions incorrectly. However, I was able to successfully sign up separately for an account with Experian, and this account enabled me to see my credit report including previous addresses. One of the addresses they have on file for me is incorrect. ( It's a typo of a correct address. ) This was one of the questions that I was asked to verify my identify, so it is clear that what I thought was my error was likely actually their error. 

It is interesting to me, that while I have not been able to place a credit freeze with Experian, every time I log into my Experian account I get all kinds of credit monitoring offers. For example, evidently for $ XXXX/month I can " lock '' my credit, but nowhere that I can see, can I place the free credit freeze. I wonder why? 

I believe it is unacceptable that I should have so much difficulty in trying to protect my credit. I'm sure Experian would make some excuse about protecting against nefarious intent here, by placing a credit freeze. But I be willing to bet the data does not support this, and the overwhelming problem case is identify theft. Rather, it seems clear to me that these companies are engaged in consumer abuse. They maximize profits, by avoiding the costs of adequate computer security, then after they lose our data, they attempt to sell us credit monitoring services. ( It's remarkable that these companies have some of the poorest password policies I have seen ; Try choosing a longer password. ) Frankly, it's amazing. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2020-05-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed credit card dispute with Costco Citi Bank around the end of XXXX related to the four airline tickets that were purchased from XXXX XXXX using Costco Citi Bank credit card and then the Airline cancelled the four tickets due to Covid-19 and never refunded us the money. I indicated in the dispute when we spoke with the dispute department of the credit card that the reason why we are disputing the charges is because the airline cancelled our tickets and did not refund our money and therefore, we paid for a service we did not receive. 
The phone call when I filed the dispute was recorded by Citi Bank and therefore, there is a confirmation to my statement above. 

See attached letter for more explanation.

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 2020-05-17
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: GUARANTEED RATE INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I did not knowingly authorize the following to do a hard inquiry : GUARANTEED RATE XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 Permissible Purpose : CREDIT I asked Guaranteed Rate for a letter of deletion and they refuse. I asked XXXX  to dispute it and they said they don't do anything for hard inquiries that my only solution is to get a letter of deletion from Guaranteed Rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2020-12-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$19000.00}, {$25000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4300.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
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 under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

4. XXXX/XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- OTHER ACCOUNT 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation