BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: MO
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, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and three adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting XXXX XXXX, contradicting stories were presented on when the fraudulent activity was flagged. XXXX XXXX XXXX  representative claimed the fraud was flagged in the XXXX XXXX  system on XX/XX/2021. Another XXXX XXXX  representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, XXXX XXXX  violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was scammed out of XXXX on cash app on XXXX XXXX I've reached out several times and literally saw someone controlling my phone to get my money and switched to XXXX .I tried decline and dispute with no help at all .I even got on my home computer to alert customer support on XXXX and cash app .it was an allegde.paypal rep who did it. 
I filed a police report and have an active case with a detective handling it. 
At this point I'll be without ligjts, water, insurance and phone service by next week with no help of getting my money returned .I really think its an inside job with whomever works for cash app or owner to scam people out of money when they can, if they are a so called bank or etc they can clearly see what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Multiple inquires on credit report did not apply! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Union XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Union XXXX TransUnion XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Credit Union XXXX TransUnion

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 2021-01-18
Company: Sarma
State: FL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2019, SARMA Inquiry : XXXX. XXXX, 2019, XXXX XXXX XXXX : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Other fee

Complaint:
Wells Fargo XXXX credit card approved me a promotional offer of no interest if paid in full within 18 months. Half-way through the terms I noticed the company was not charging me equal payments but slightly lower payments to ensure that I would be required to pay the full interest amount at the end of the term. After noticing this, I put down several large payments to remove the balance. The balance was paid on time before the end of the promotional period but I was still charged the {$4000.00} in interest. During a phone call to the company, the representative stated that my last payment ( {$370.00} ) was partially applied to another purchase ( amount of {$290.00}, to a balance of {$850.00} ) instead of paying off the remaining balance of the 18-month promotion ( {$230.00} ). The representative said that the terms I signed up for did not state equal payments nor were they required to expend the minimal payment amount to the oldest promotional balance first. This is a predatory tactic aimed to trap the consumer. Please resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: MUFG AMERICAS HOLDINGS CORPORATION
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 explanation
Consumer complaint received 2021-08-04
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments toward Public Service Loan Forgiveness since XXXX. In reviewing my qualifying payment tracking history, the XX/XX/XXXX payment is randomly listed as " ineligible '' for reason of " you do not have a bill due for this payment period ''. There is no authorized or known reason that a bill would have not been due that month, and a payment was made on XX/XX/XXXX in the usual amount of {$67.00} as is demonstrated in the transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have in previously called Experian Credit Bureau in three occasions and explained to them that there are XXXX hard inquiries in my credit report that I have not authorize, any credit institutions to run my credit for obtaining any type of personal credit, I have send to Experian an letter. 
which explained to them as follow. I recently pulled a copy of my credit report and noticed the following information are in error ; Credit Inquiries : The FDCPA states that the only way permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance or d ) court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : ( listed all the companies that have pulled your credit, whom you did not give permission to do so ) 1- XXXX XXXX XXXX XXXX 2-XXXX XXXX 3-XXXX 4-XXXX 5-XXXX 6-XXXX. 
Please remove those inquiries from my credit report immediately : I have a endorsed copy of mu driver 's license as a proof of my identity. 
This was the letter I have sent to Experian and until this day they have not comply as the FDCPA explained I did sent this formal letter certified with a receipt return on XX/XX/2016 via USPS. 
I have been very patient with Experian they are not cooperative to me and so many others consumers this can not be continued in this venue, I demand a very deep investigation to my allegation to Experian from The Consumer Financial Protection Bureau. 
I deeply did not want to do this complaint but it seams that there is no hope from Experian in helping consumers of their concerns. 
Also in the same envelope I sent another letter to remove previous Addresses they show on my report my current address is XXXX XXXX XXXX, XXXX, TX XXXX any other address in incorrect so they need to fix my personal information. 
Again Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After running my report for Experian at XXXX on Saturday XXXX XXXX 2016 on line the site went down causing me to loose the report before I evan had a chance to look at it. Can you please mail it to me at my home address, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX " OR '' Preferably, give me the ability to go back it to pull the same one up again so I can view and and if needed file any disputes, Please help me, Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
In 2001 when I started college I must have signed up for this private student loan which I hardly remember and from what I understood as a kid to be 5.5 % for {$10000.00} unfortunately come to find out years later when its in repayment they charge a variable interest on each payment which was not explained to me and I obviously didn't understand as a kid starting college. Payments are XXXX bucks XXXX XXXX gets applied to interest from what Im finding out now. Since then the payments are small so I never thought much of it, and they always say we cant send you physical mail, and calling to talk to someone is a pain if you ever get through, so as time goes on this gets put in back burner. Fast forward 20 years and this loan has only been paid down to {$7000.00}. I called them and told them I was a kid and did not understand this practice which looks a lot like predatory lending. They basically just said its a loan i signed and that's it. Offered no help no assistance other then an email to complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I TRY TO PULL MY CREDIT REPORT FROM EXPERIAN, BUT I FAILED ON ONE OF ID QUESTION, THAN THE COMPANY SAID I HAD PULLED, THAT IS NOT TRUE, I JUST GOT FROM XXXX. 
I NEED THIS INFORMATION.

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 2021-08-04
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed this information to the three bureaus and i neve received anything. I also sent the information to creditor and nothing was sent back to me. They never sent me a certified letter or anything on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all three bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

Reapectfully, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to file a complaint against a collection company called IC Systems INC for adding this fraudulent account to my Experian Credit Report. I never heard of this company before and I never received anything in the mail from this company nor did I receive a phone call from this company This 3rd party collection agency is attempting to collect and allege debt from a company called IC Systems Inc in the amount of {$650.00}. IC Systems Inc. is required by the state of NC to provide a copy of the License and per their website, it does not show a copy of their company License to collect any debt in the state of North Carolina This collection company NEVER once mailed me, a consumer any information pertaining to this alleged debt. This company has violated 15 USC 1692g- Validation of debts because as a consumer I was never given a chance to ask for validation of the debt.

This collection company is also in violation of the 15 U.S. Code 1692c - Communication in connection w
ith debt collection which states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt '' I will not contract with this company and I demand that this fraudulent account be removed off of my XXXX  Report and I would like to say they do not have my written expressed consent to having this adverse and fraudulent account report to ANY of the major 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 2016-06-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Ever since Navient stole my student loans it has been a nightmare. No person at Navient has any idea what is going on. I get emails with no information. I get emails telling me to login and view documents. No documents to view. I get emails telling me I have a new payment. I login and alas, no new information. I call the XXXX number and they are clueless. What congressmen got a bribe for allowing Navient to exist???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My account was overdrawn, however I made a return to a store. When I checked my account to see if the credit had posted, I found that Suntrust had applied an extended overdraft fee. This fee XXXX the amount of {$36.00} if the account is overdrawn more than a week. This seems like a predatory practice, most people are paid bi-weekly. I have been a customer of Suntrust bank since 2010, and have direct deposit set up on my account. 
I went to the bank to speak with a representative and let him see the copy of my credit from the store. He said that it was pending, but he could not make the decision to issue a refund of the fee as a courtesy. He would email his manager, and his manager would make a decision upon his return. XXXX days later, the manager, XXXX XXXX, called me and informed me that because of my returned item ( an insurance check that automatically is paid from my account ), the overdraft was my fault and the bank was right in charging me the fees. He rudely hung up the phone as I tried to discuss my concerns. To have an extended overdraft fee is an excessive fee, which makes it more difficult for consumers to gain financial stability. My account was overdrawn by {$11.00}, I was charged a returned item fee of {$36.00}, then an additional extended overdraft fee of {$36.00}. 

This practice should not continue, and Suntrust should issue refunds of the extended overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: STERLING JEWELERS, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call repeatedly from different numbers and if their calls are not answered, they call a person who is not responsible for the debt in anyway, but was used as a reference at the time of the debt purchase. I am aware of my debt to this business and am doing what I can. It is completely unneccessary that they call and harrass me as well as people who know me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a two letters in the mail from NRS ( NATIONWIDE RECOVERY SERVICE ) around XX/XX/2021. One letter states I owe them {$450.00} and the 2nd letter states I owe them {$510.00} I've never heard of NRS ( NATIONWIDE RECOVERY SERVICE ) and don't even know how they got my information. I responded by mail on XX/XX/2021, in which I have the returned receipts from the Postal Service showing they received and accepted one of letters on XX/XX/2021 and the other one was received and accepted on XX/XX/2021. According to law 15 USC 1692g ( b ) as a Consumer I requested that they Validate this debt they claim I owe. It's been over 30 days and still haven't received any proof from NRS ( NATIONWIDE RECOVER SERVICE ) showing no Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never lived at the address where XXXX authorized an account to be opened which apparently used my social security number. I have lived at my current address for 13years straight. The services that I had with XXXX was at my current address and was paid in full and cancelled and all merchandise returned. I spoke to them over the phone and was told on yes we see your account was closed and current and a refund mailed when closed we will take care of. Now this {$920.00} balance is showing under my social and the address they have is not mine. I currently have XXXX cable services

Company response to consumer: Closed with explanation