BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: EQUIFAX, 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:
On XX/XX/2021 I certified mailed a XXXXXXXX XXXX Identity Theft report, with a clear legible copy of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me. They received it on XXXX XXXX. I called today and was told by XXXX agent that my social security card wasn't legible. I was transferred to a supervisor who then said it wasn't processed because I didn't include the dates of the inquiries on the FTC Identity Theft Affidavit. I said it didn't ask for the dates and there wasn't room for them. She then informed me that the inquiries I listed were not on my Equifax credit report. I asked well why then was my Identity Theft report not used to block the fraudulent accounts listed on it and the fraudulent names and addresses. She said the entire report couldn't be used because the inquiries didn't have a date attached, even though the inquiries were not on my Equifax report. I told her they are listed because they are on my XXXX and XXXX reports and I listed fraudulent info for all three agencies on the FTC Identity Theft Report. And she also said they are investigating each account and to resubmit legible, all the paperwork with dates for inquiries. According to 15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Oliver Adjustment Co.
State: WI
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:
Each company claim I don't have a account with them. So never resolved issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
We have had a family student loan for my daughter for 17 years now and owe more than the original loan amount. We keep having to pay interest while in foreberance. We are on a strict budget in our XXXX 's. I work but my wife can not. She has n't worked for many years. I would like to see if we can get some interest taken off the loan and put towards the principle loan amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: IA
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:
My husband and I got married on XX/XX/2020. Our names have been legally changed since XX/XX/2020 ( before quarantine even started ). We have updated our information with the Social Security Administration, the Department of Transportation, and all of our financial institutions. Both XXXX   and XXXX have already updated our full names to the correct legal names. Yet, as of this evening on XX/XX/2020, Equifax has yet to update our names to match everyone else. 

We submitted our first Equifax dispute by mail on XX/XX/XXXX, as directed by a call center representative. Though we included all the necessary information, they still closed our dispute without updating either of our names. Since then, we have submitted an online dispute on XX/XX/XXXX, which was met with the same result ( or rather, lack thereof ), and again on XX/XX/XXXX, this time submitting both by mail and online. We have yet to hear back about our third attempt, but sadly, I fear Equifax will continue to blatantly disregard our request. 

Now, under normal circumstances, I would be more patient, but my husband and I have been trying to apply for a mortgage since late XXXX, and Equifax 's lack of response has been the only thing holding us back. We implore you to please hold Equifax accountable for the upkeep of their records, so others may not be forced to experience this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
SCA Collections of XXXX, NC has continually file collection attempts against me on medical bills I do not owe because I have had XXXX consistently for the past 7 years! I am a single parent, XXXX and I have no income except my child support and that 's not enough to pay my bills. If your health information is to be private, how can they collect on a debt I do not owe??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to Equifax customer service several times to resolve the fraud issues with inquiries on my credit report. There was an fraud placed around XXXX XXXX and one had been on there before that. Due to all the data breaches the company has had. My information is on the XXXX web and someone had used my information to open an bank account and tried to get credit cards and vehicles in my name. I tried to get the inquiries removed but I was being given a hard time and I faxed over fraud records but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX XXXX, 2017, I went online to obtain my credit score. My credit card company, XXXX, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my XXXX score, I should call TransUnion, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from TransUnion. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XXXX XXXX I called TransUnion at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that XXXX was using a different scoring model than TransUnion does ( they mentioned XXXX ). They were denying that they even supplied the score that XXXX was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between TransUnion and XXXX, and they refused. They told me to go back to XXXX for any explanation of the score. So I called XXXX at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the XXXX site XXXX XXXX or TransUnion. The XXXX Customer Service Rep. claimed they simply posted the information provided to them by TransUnion, that XXXX DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact TransUnion for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just XXXX or two months without any negative data to support it.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a Bankruptcy reporting on my Transunion, XXXX, XXXX and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.

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 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I find my self here again because Bank of America keep approving and denying my claims when they are clearly fraudulent transactions this is not making any sense Im XXXX because I could not pay my bills because this nano refuses to do the right thing because I will continue tomlalemky complaints until I am heard and treated fairly I want my money from this bank at once Im tired of this my card never made it tommenunt yo p now amd now Im dealing woo theyre XXXX i at least asked for the claim in the amount of XXXX to be fixed and I keep getting the run around before being approved I want my money today tomorrow now my complaint will pile until this is resolved I hate that I have to fight with a bank that chooses criminals over their own customers

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 2017-03-03
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American Express cancelled my card with them after being a member since XXXX. The representative I spoke to because of a return payment ( 2 ) times stated I needed a review and had to send documents in to prove my income. I had fraud on my personal checking account and it caused two payments to be returned I was in contact with American Express, but due to the fact that I am a XXXX elderly man, this representative abused his authority and took this review to levels not necessary, he was rude, and had his mind made up about closing the account before I even sent the required information, I feel discriminated against and I lost a very important card valuable to my business operation. Now since canceling the card I receive collection calls a week before the due date everyday automatic call telling me my card is past due, I made a payment today the due date and had to speak to a representative because my payment could not be done automatically because they placed the account in collections even though the due date was XXXX/XXXX/XXXX and not past due. For the past 6 days I have received calls in the early am and late at night outside the collection law boundaries and the account is not late. I feel that American Express has egregiously treated me and discriminated against me because I am a XXXX elderly male.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A fraudster gained access to XXXX XXXX 's email account - and, in turn, accessed his Wells Fargo account ( he was using the same email and password for both ). On XX/XX/XXXX, the fraudster deposited a {$4500.00} fake check ( I can supply a copy of the fake check that Wells Fargo Fraud Department sent to us ) and then withdrew {$1000.00} via XXXX to XXXX XXXX XXXX XXXX on XX/XX/XXXX and {$500.00} via XXXX to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The fraudster also accessed XXXX XXXX XXXX app and sent {$500.00} as " Purchase Authorized on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX CA XXXX Card XXXX ''. 

We reported the theft on XX/XX/XXXX when my son received notification that his account was in the negative and reported the crime immediately to Wells Fargo. We are dealing with Wells Fargo now, and have also filed a claim with the XXXX XXXX Police Department ( CONTROL # XXXX ). We have not heard from the police though XXXX has called them numerous times with no response. 

Wells Fargo has credited us {$500.00} for the XXXX transaction, but is refusing to credit XXXX the other {$4000.00}, so XXXX has not had access to any of his other money that was in the account before the theft. Wells Fargo has denied our claims TWICE so far, without looking at his affidavit the first time... 

XXXX completed and signed an affidavit attesting to the fact that he did not do any of the fraudulent transactions nor did he allow or permit anyone else to do the fraudulent transactions. XXXX does not know who did this nor does he know XXXX XXXX. 

We are requesting that the FBI, Wells Fargo, the police... anyone who has the authority, to please find the fraudster and prosecute to the fullest extent of the law. We also are begging Wells Fargo to credit XXXX XXXX account so that he can access his hard-earned money! Wells Fargo has been exceedingly rude and disrespectful, never calling us nor following up with us to let us know they were denying our claims or why. We have deposited our paychecks into our Wells Fargo accounts because we had trust in them that our money was secure, yet they refuse to give us the same courtesy back to us.

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 2021-12-28
Company: Experian Information Solutions 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:
On XX/XX/2021 I certified mailed a Notarized FTC Identity Theft report, with clear legible XXXX copies of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me to Experian. They received it on XXXX XXXX. I called today and was told by XXXX agent that my documents weren't legible, but they were being investigated by the companies I listed as fraudulent. I asked to speak with a supervisor. I was told they can't transfer calls to supervisors. She said I would receive a call back in 3 days from a supervisor. And she also said they are investigating each account. According to 15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

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 2021-12-28
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:
I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX  XXXX, XXXX, XXXX & XXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2021-12-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a dispute letter to Equifax back in XXXX regarding these inquiries that I told them I dont recognize. I also filed a ftc report and they still ignored it, now this is hurting my chances of purchasing a home and causing me problems. All I ask is for these inquiries be deleted from my report. Not deleting these items are a violation of my rights and equifax are not following FCRA laws they are ignoring them. Please delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a Bankruptcy reporting on my XXXX, XXXX, Experian and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.

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 2016-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have sent several letters requesting reports as well as trying to dispute letters. I have not received any reply from any of the 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 2017-03-17
Company: BYL Collection Services
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract or no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I requested international wire transfer at Bank of America on XX/XX/2016 to family member for medical assistant. I gave all the needed details and provided my EDL Enhanced Driver License ( which implies I am US citizen ). was charged {$45.00} transfer fee + {$7.00} other fees. The remittance transfer receipt indicated that the funds will be available on XX/XX/2016 or sooner. Funds were not available after 2 weeks of the wire transfer which triggered me to go to the bank and met again with same Bank of America representative. She said they need more information. she asked if am US citizen and she need the passport number. I told her that I am and she took the EDL information again. she said the money should be release soon and she would let me know once the money is sent. a almost a week later, I was not contacted and the destination bank indicated still have the information but funds are not available and still held in the source. today is three weeks after the wire transfer and do not know where the funds are.

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 2016-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did a loan modification with Countrywide Home Loans in XX/XX/XXXX with a fixed interest rate of 6.50 percent. My loan transferred then to Bank of America and that 's when the problems started. I received a letter from Bank of America in XXXX XXXX stating that there was missing documentation from my loan modification agreement and the interest rate should have changed in XXXX/XXXX/XXXX from 6.50 percent to 9.875 percent. Well they changed my interest rate from 6.50 to 9.875 which made my monthly payment amount go up {$300.00} dollars a month. I can not afford this and I am going to lose my house if something is not changed.

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