BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: MT
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 account with XXXX XXXX is an account that was " assigned '' to them in XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX XXXX fraudulently opened an account in my name in the middle of XX/XX/XXXX after I had moved across the state XX/XX/XXXX because of domestic assault by my ex. I did have an initial loan with XXXX XXXX XXXX  for a used SUV but I unintentionally defaulted on that loan after I moved. XXXX XXXX XXXXXXXX had repossessed the SUV in the middle of XX/XX/XXXX but spent the next XXXX XXXX years adversely and fraudulently reporting to the credit bureaus not only on the account attached to the repossessed SUV but also on the second account they opened in XX/XX/XXXX AS WELL AS " assigning '' the fraudulent second account to XXXX XXXX who then began reporting negatively and continue to do so to the credit bureaus. After I discovered all of this on my credit reports, I tried multiple times to dispute with the credit bureaus only to have the results stay the same and on my reports. I finally filed complaints regarding XXXX XXXX XXXX as well as XXXX and XXXX XXXX with your company. The second, fraudulent account with XXXX XXXX XXXXXXXX ended up getting deleted from my credit report with XXXX but the account from XXXX XXXX stayed as they " verified '' the account for CFPB and the initial account with XXXX XXXX XXXX  was corrected and now states " Paid '' with a " Balance {$0.00} '' as well as " exceptional payment history. '' Now I'm having the same exact issues with XXXX XXXX and Experian. The account with XXXX XXXX should be null and void and they should not still be reporting a balance of {$5800.00} owing as well as continuing to report on the account each month because the account that was assigned to them has been proven to be a fraud! They no basis on which to attempt to collect any amount of money on an account that technically did not exist! I want this removed from my report before I have to retain a lawyer and sue each and every company involved for preventing me from being able to secure credit and further build my credit worthiness on my good name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NY
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-01-25
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 have previously disputed the multiple violations per the FCRA for inaccurate information being reported, Furnishing and Reporting Old Information, Furnishing and Reporting Inaccurate Information, Failing to Follow Proper Procedures, The CRA must conduct a reasonable investigation.Clearly my rights a consumer continue to violated. 
I am making factual disputes. 
2 accounts XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX Exhibit A. ( Current Equifax report XX/XX/XXXX ) XXXX XXXX XXXX acct # XXXX is in violation for reporting inaccurately. 
( 1 ) This is not an open ended collection account. 
( XXXX ) payment history is reporting inaccurately ( currently showing payments made XXXX, XXXX, and XXXX XXXX it shows 0 % of this account is paid off. That doesnt make any sense. 
( 3 ) The balance transferred from XXXX XXXX is inaccurate. 
( 4 ) First date of delinquency per XXXX XXXX and XXXX XXXX the first Date of Delinquency is XX/XX/XXXX. which means the statue of limitation has exceeded ( Exhibit B attached payment history from XXXX recieved from XXXX XXXX. 

XXXX XXXX XXXX ( XXXX ) reporting payments made in the XXXX which is not accurate. 
( XXXX ) XXXX XXXX has incorrect orginal balance I have complaints that date back to XX/XX/XXXX with confirmations listed below from Equifax stating this accounts are accurrate and verified. Please see list below : Confirmation # # XXXX Item reported on XX/XX/XXXX XXXX item reported in XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX XXXX shows a 1 date of Delinquency of XX/XX/XXXX when clearly that is inaccurate as well. ( see Exhibit B ) Exhibit D XXXX reported date of first XXXX as XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
I received your response Last XX/XX/2022 that you Close the COMPLAINT # that I sent on XX/XX/2022 to Investigate the Erroneous Accounts : XXXX XXXX XXXX that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
BANK OF AMERICA XXXX XXXX XXXX XXXX, FL XXXX DEAR : BANK OF AMERICA This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement.

Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 


1. BANK OF AMERICAN Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, 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 2023-04-04
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX Account # 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 explanation
Consumer complaint received 2023-07-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX had a mortgage with WF with a VA home loan . Divorced, so refinanced and missed one payment. When a I called to make the payment within the same month they told me I owed x1 payment + half. Couldn't make the payment and the foreclosure process began. Never tried to modify payments nor anything to stop a foreclosure. Ended up making a short sell.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: DE
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We need to know why we can not open additional accounts in American Express Online Bank. When we call, they can open an additional account for us, but they will not let us do it online even though it is an online bank. 

My husband and I have had a joint account with American Express Online Bank for about 5 years. We have never had any problems with their bank or any other banks. We were able to add CD accounts in the bank until XX/XX/2023. 
When we tried to open another savings account and CD account, we got the message " Please call us. We're sorry, we are unable to open your account online at this time. Please call XXXX to open this account. '' When we called the number, and we were offered to open an additional savings account over the phone and an account was opened immediately. 

Since we were told that it happened because of the system error and would be fixed soon, we expected the online account opening privilege to be reinstated. It has been three weeks and we have still not been able to open any additional CD accounts online. Neither can my husband. We keep getting the same message, " Please call us. We're sorry, we are unable to open your account online at this time. Please call XXXX to open this account. '' We have both called the phone number every time we got the message, that has been more than several times and tried all the things they suggested, such as 1 ) using different browsers, 2 ) clearing all cache and cookies, 3 ) restarting the computer, 4 ) trying at a different time/day, and 5 ) using a different computer. 

All the representatives we spoke to offered to open an additional account over the phone, but that is not what we wanted. We wanted to know the reason why we needed to use a phone call instead of online for the online bank. Only two of the representatives we talked to said that they would open tickets ( so tickets should be filed twice for this issue ) to report the problem to their systems because they do not see any problems in our records. However, we had heard nothing from their systems as of today, 3 weeks from the date we first encountered the problem, we still can not use online to open any additional CD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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 this creditor has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SEction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Trans union has deleted a credit card account thats in good standing over 2 years. This has caused my score drop about 50 points recently. The card issuer is XXXX XXXX XXXX XXXXXXXX. I have called trans union and they have no clue what Im talking about. This account is open and in good standing. Please help me get this back on 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 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have multiple Bank of America credit card accounts. On XX/XX/ I inadvertently made an electronic bank payment to the wrong Bank of America credit card account. I now have a credit of over XXXX XXXX in one account, and a balance of over XXXX  XXXX in the other account where the payment was supposed to be deposited. This is the second time in the past 5 years that I have made this type of error which is not hard to do. The last time this happened, it took Bank of America almost 30 days to correct the error. Meanwhile, I continue to accrue interest on the account that should have been paid, and obviously Bank of America does not pay any interest on the credit balance on the incorrect account. I believe that they are purposely delaying the transfer to benefit themselves at the expense of their customer. There is no justifiable reason for any financial institution to delay a transfer of funds from one client 's account to another after confirmation that they physically hold the funds in their 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 monetary relief
Consumer complaint received 2023-02-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked to close account back in XXXX. AMEX did not. Now they charged me {$75.00} in XXXX. Please remove the charges and remove me from collections!! 
Do not collect on this. 
This {$75.00} annual fee should not be there. 
i do not USE the card at all!!! 
Follow up with me by letter!! 
See copy of the file attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Hi to whom it may concern, I got a call from a person saying I have been approved for student loan forgiveness program. They asked me for my XXXX email address and then proceed to pressure me to sign up for a loan program. I didn't sign up because it started to sound suspicious and I believe that it is a scam. The company is called XXXX XXXX XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2023-04-04
Company: Experian Information Solutions Inc.
State: MI
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Xperian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I do not have specific dates and time But it was during the Covid, the tenants stop paying out and I tried paying the monthly mortgage out of pocket. My mortgage company is Wells Fargo. I do not want to loose my property but they have not offered any help or solutions to my knowledge, its for me to either catch up with my mortgage or loose my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to fraudulent investment firm ( 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 2023-04-16
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a XXXX XXXX XXXX more than 5 years ago with an approximate financing amount of XXXX XXXX, I paid them on time for almost 4 years, when the pandemic came I couldn't keep up to date, they got the car back in perfect condition in working order, with a market price of more than XXXX XXXX, they didn't discount anything and they even charged me absurd fees where I paid over XXXX dollars in collect and now they are saying that my debt is at XXXX XXXX dollars. they refuse to send me any kind of payment history or contract and they keep messing up my credit month after month.in addition to being super rude when we called, treating us like garbage and not giving any information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Currency exchange rate is outrageous. around 25 % higher than rate quoted one day earlier under promotion. the exchange rate for the country of XXXX has been stable for decades around XXXX. 
Western Union gave me a reasonable rate of XXXX XXXX XXXX USD = XXXX AED on XX/XX/2023 this transaction failed because of the name being misspelled. when I attempted to correct the name I was not able to and was directed to cancel and make new transaction at this time I was quoted Exchange Rate of a ridiculous XXXX!!!! 
I called attempting to correct and the answer was Western union sets up the rate on daily basis. 
I find this practice to be unfair and deceiving. and will never do bussiness with XXXX again

Company response to consumer: Closed with explanation