BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TX
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, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A.

SECTION 2 : STATED A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE.

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 2020-03-02
Company: EQUIFAX, INC.
State: TX
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 filled a complaint with you all and Equifax, about companies not being able to pull my Equifax Credit file report. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. I was told that my credit file was too large. I ASKED FOR EQUIFAX TO FIX MY CREDIT REPORT WHICH MEANS THE REASON THEY WERE GETTING THE RESPONSE WAS BECAUSE MY REPORT NEEDED TO BE COMPRESSED IS WHAT THE COMPANY MESSAGED TO ME. Now the Problem I am having is that whatever EQUIFAX did to my credit report my Credit Score is not changing and it shows that accounts weekly are being deleted off and added back on which causes my score to go down when they take the accounts off and even when they put them back on its like nothing happens to bring my scores back up. My credit have went up with the other bureaus 28 to 30 points in 1 month and my Equifax has not moved in months and when it do its only down when I have been paying my cards and credit way down. Something is wrong with my Equifax. I now pay for credit monitoring so I can get notifications an I never get any notifications. This has been every week since they have been fixing my Credit. PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH. My CONNS account should have been cleared off of my Equifax according to an agreement we made in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/XXXX. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
1. XXXX XXXX acct # XXXX.. 
2. XXXX/XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 
4. XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a customer of Bank of America over 6 years and I had a credit card with them with a card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went into XXXX XXXX XXXX and was hospitalized till XX/XX/XXXX. When I got back I saw my two credit card was maxed out and two others were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money. They have not reached out to me but are calling and causing problems to my family members who are not in the application at all. They are using personal information to threaten me and not take responsibility of my money. I have disputed amounts several time and they can see that all the charges are were done internationally and online but they denied that to 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 monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following inquiries listed were not initiated by me ; XXXX XXXX XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22. 
The accounts listed on the report are fraudulent and were not initiated by me. I have no business with these companies ; XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 
May have happened when losing my wallet I have reported them as identity theft

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 2017-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/XXXX I received a XXXX Cancellation of Debt from Wells Fargo with regards to credit card account XXXX - Cancelling a purported $ XXXX.- I filed my tax returns and added that amount to my income for tax year XX/XX/XXXX as advised by my accountant, and thus ended up having to AMEND my tax returns and incurred a tax liability greater than normal due to the extra income being reported through this XXXX. 
My grievance, to which I 've communicated in writing to Wells Fargo and the XXXX Major Credit Reporting agencies is that they continue to report a past due balance on my credit report even after I 've given proof of the XXXX that clearly shows the debt has been cancelled. Therefore NO BALANCE should be reporting. 

I have done research on the topic and would like to advise both the CFPB and WELLS FARGO that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( Bankr. Ct. XXXX XXXX XX/XX/XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX Dist. Ct. XX/XX/XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX Super. Ct. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Investors Bank marked me as 30 days late on my mortgage in XXXX 2020 when Governor XXXX said that people who live in New Jersey will not be reported as late on our credit report for 90 days. I was affected by COVID-19 because I own a hair salon and was not considered an essential business. As a result, I lost a lot of revenue and was not able to make my mortgage payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed an XXXX to Penfed Credit Union over a week ago. Each time I call I get the runaround regarding my deposit into my checking account. I was told last week the funds would be deposited into my account. I have Covid-19 bills to pay along with rent and have received a 3 day notice. Since the check has been issued by my attorney we plan on taking the case to Federal Court if not resolved today.

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 2016-11-13
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016, I began my annual XXXX shopping. I started by going to a Key Bank ATM and withdrawing {$400.00}, then went to a department store where I purchased slightly under {$200.00} worth of merchandise using my debit/ATM card. Following the same pattern I use nearly every year, I then went to a discount big box store and selected a couple of items, as well as XXXX gift cards worth {$300.00} each. Although I have done this every year for the past XXXX to XXXX years, using either the same debit card or a Key Bank credit card, the debit card was declined with the message that I should contact the issuing bank. I had more then XXXX times the amount of the charge in my account. I completed the purchase using my Key Bank credit card without any difficulty. 

When I returned home and called the issuing bank, using the customer service number on the back of the card, the automated system refused to recognize that such a card existed. Not only had Key Bank declined the purchase ; it had effectively canceled the card entirely, so much so that I was not permitted to talk to customer service. 

When I finally received a voice mail message from the fraud department of Key Bank, the message said to call back and gave me a reference number. I made the call, only to discover that the fraud department does not take calls and that the reference number was of no use to the customer service department to which the call was automatically forwarded. In other words, Key Bank had constructed a system which prevented me from using my own funds, completely blocked the card I had just used twice successfully, gave me a fake reference number and forced me to deal with someone who could provide only formulaic responses to my questions. 

The claim the customer service department made was that the purchase was blocked because it was an " unusual '' transaction. That was not true. As noted, I make the same kind of purchase every year using Key Bank cards, so Key Bank had the information it needed to know that the purchase was quite normal. In fact, it approved the credit card purchase, despite the fact that I use the credit card almost exclusively for online purchases, which this was not. Nor have I received any communication from the Key Bank fraud department about the credit card purchase, even after the fact. 

In addition, the customer service department informed me that my daily limit on the debit card is {$10000.00}. That is patently untrue ; it is inconceivable that one could make sufficient purchases to equal that amount when any large purchase is denied. 

In sum, Key Bank has constructed a system which denies me access to my own funds at the time I need those funds. The bank seems to believe that it has more right to my money than I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: EdFinancial Services
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
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 these 5 student loan accounts, they are validated through the credit bureaus, so someone can find them. Or they EdFinancial just rubber stamps as correct, factual and accurate. How can EdFinancial validate if they can't find them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On my mortgage with US Bank Home Mortgage ( XXXX ) there is a late payment reflecting that should have never been late. This account was not late in XXXX 2015. I have confirmed with the bank and received correction letters claiming error. Please see my first claim to cfpb # XXXX for XXXX late error and this new claim is for XXXX. I have worked very hard to maintain my credit and this has damaged my credit and the ability to move ahead with refinancing. These months were never late and to have them show as such is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: CarFinance Capital LLC, Irvine, CA Branch
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Refinanced my vehicle with Carfinance.com, went to make a payment and realized that they do not offer an option to use your checking account with incurring any additional fees. When I called in to pay, they wanted to charge me {$10.00} pay-by-phone fee. The only option I have is to mail my payment in, and that doe not guarantees me that they will post my payment on time, which may cause addition late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Account status incorrect

Complaint:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.

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 2020-03-02
Company: Navient Solutions, LLC.
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint about wrongful billing XX/XX/2020 paid bill early wasn't due until XX/XX/2020 took funds from bank account now saying owe double payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient consistenly applied my payments in the least efficient manner, leaving many of my loans past due in effect ruining my credit. as well as harrassing my cosigner about the loans has resulted in my own father not wanted to contact me in regret of co-signing. I 've asked and asked for debt relief and refinancing options to no avail. With credit ruined, and no hope for ever becoming debt free, it has me feeling like college and bettering myself has become the biggest regret in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
UPON CAREFUL REVIEW OF THE LOAN DETAIL SHEET, AND THE ORIGINAL LOAN APPLICATION, I NOTICED THE AMOUNT OF THE ORIGINAL LOAN AMOUNT 1 ) {$9500.00} 2 ) XXXX AND THE AMOUNTS 1 ) XXXX 2 ) XXXX ... NOTED ON THE DETAIL SHEET ARE CONFLICTING. WELLS FARGO NEEDS TO MAKE THE CORRECTION. IT IS MY BELIEF THAT THEY ARE ENGAGING IN A FRAUDULENT ACT, BY INCREASING WHAT THE ORIGINAL BALANCE AND THE CURRENT BALANCE IS ... MAKING A PROFIT OF THOUSANDS OF DOLLARS IN INTEREST PAYMENTS ALONE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2021, a purchase was made in the amount of {$51.00} on Macys credit card ( Citi Bank ). On XX/XX/2021, a tracking # was created ( XXXX ) ( USPS ) stating expected delivery date XX/XX/2021. This item shows not movement from XX/XX/2021. Notified Macys of this problem, I was told to wait 2 days, 5 days, 10 days for movement of this package ( still waiting ). I am now being told by Macys my order # cant be found in their system. A payment was made for this item on XX/XX/2021, in the amount of {$52.00}. I wound like to be reimburse for this item and to close this account. A feel they are just giving me the round around. Can you help 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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE DEPT OF EDUCATION IS REPORTING 2-3 LOANS PER BUREAU ON THE BIG 3 CREDIT BUREAUS. ( acct no. 's XXXX ) ALL ARE INCONSISTENT BETWEEN THE 3.ALL ARE INACCURATE.ALL ARE REPEATEDLY VERIFIED AS CORRECT BY ALL THREE BUREAUS.THE BUREAUS ARE RESPONSIBLE AND FINANCIALLY LIABLE TO ME FOR 100 'S OF THOUSANDS OF DOLLARS IN CREDIT DAMAGE ( which i will sue for, if not remedied ) .THE BUREAUS ARE AWARE THAT 2ND IN COMMAND, OUTGOING COO OF THE DEPT OF ED SAYS " THE STUDENT LOANS ARE AN ABOMINATION.THAT THE DEPT OF ED IS THE LARGEST MOST IRRESPONSIBLE CREDITOR IN THE UNITED STATES.THAT THE DEPT OF ED GETS 5000000 REQUESTS FOR CREDIT CORRECTION PER MONTH AND THAT MOST ARE INACCURATE. '' ALL 3 OF MY LOANS WERE NEGATIVE, NOT CURRENT, NOT BROUGHT CURRENT AND REPORTING NEGATIVELY FOR MORE THAN 7 YEARS IN DEFAULT, LAST PAYMENT MADE XXXX XXXX MONTHS AGO I BEGAN WORKING WITH THE DEPT BUT PRIOR NONE OF THESE LOANS HAD A LEGAL RIGHT TO REPORT ACCORDING TO THE 7 YEAR STATUTE OF LIMITATIONS IN THE FCRA. 
I HAVE ATTACHED THE COO INTERVIEW, YOU CAN FIND HIS LIVE AUDIO ONLINE WITH HIS XX/XX/2019 ABANDONMENT OF THE DEPT OF EDUCATION. 
ALL BUREAUS ARE LIABLE BECAUSE THEY KNOW THAT THE DEPT OF EDUCATION IS REPORTING AND VERIFYING FRAUDULENTLY TODAY AND ON A REGULAR BASIS.

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 2017-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX/XXXX/XXXX IS DATE GIVEN TO ME - I DID NOT OPEN AN ACCOUNT WITH THEM IN XXXX {$410.00} - I DO NOT OWE DEROGATORY MARK ON MY CREDIT REPORT WITH XXXX AND XXXX, XXXX HAS REMOVED IT. 
I HAVE DISPUTED IT TWICE BECAUSE THEY FAIL TO SHOW ME ANY TYPE OF CONTRACT BETWEEN I AND PORTFOLIO RECOVERY AT ANY POINT. 


XXXX XXXX, XXXX - PUBLIC RECORD A PUBLIC RECORD WAS REMOVED FROM MY CREDIT REPORT AND THEN LATER REPLACED. IT IS UNLAWFUL FOR THEM TO REPLACE ANY DEROGATORY INFORMATION ON MY CREDIT REPORT WITHOUT NOTICE. THIS HAS ALSO BEEN DISPUTED TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: ALLY FINANCIAL INC.
State: TX
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:
On XX/XX/XXXX I paid my XX/XX/XXXX payment XXXX submitted my payment through Aly Financials third party company. I was reported as being thirty days late. I also have a copy of the receipt. The payment posted as XX/XX/XXXX not the XX/XX/XXXX causing 30 late reporting.I have made several online payments in the same manner and was not reported 30days late. I made a requested on the phone XX/XX/XXXX or XXXX and a written request w a copy the receipt. The reporting is not correct I was 29 days late but not 30. The company states i made the payment on the XXXX and posted on the XXXX. They are not reporting online payments that way if paid within 29 days.. 
.. 
Thanks for your time

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