BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: Waypoint Resource Group, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX was paid on XX/XX/2020 in the amount of {$360.00}. Should of have been removed off credit report and it still shows. 

XXXX XXXX XXXX was paid on XX/XX/2020 in the amount of {$1300.00}. This should of been deleted off credit and it is still showing. 

XXXX was paid on XX/XX/2020 in the amount of XXXX they said it would be removed but it still shows on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received this email from what appears to be Wells Fargo. I believe it is some type of fraud. I do not have an account with Wells Fargo nor do I want one because of their business practices. I am going to also submit a complaint on FTC site. I just wanted you to know. 
I will attache the saved word doc that has an additional image when you highlight the email to copy and paste. 
From : " Wells Fargo Online '' XXXX Sent : Friday, XX/XX/2017 XXXX Subject : New Update From Wells fargo Online Banking wellsfargo.com Important New Information About Your Account Dear Valued Member, We noticed invalid login attempts into you account online from an unknown IP address. 
Due to this, we have temporarily suspended your account. 
We need you to update your account information for your online banking to be re-activated please update your billing information today by clicking here XXXX After a few clicks, just verify the information you entered is correct. 
Sincerely, Wells Fargo Member Services Team P.S. The link in this message will be expire within 24 Hours. You have to update your payment information wellsfargo.com | Fraud Information Center Please do not reply to this automated email. 
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 2020-01-13
Company: Experian Information Solutions Inc.
State: TX
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2017-07-20
Company: Georgia Student Finance Authority
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017, I received a letter from Georgia Student Finance Authority. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding Georgia Student Finance Authority. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way

Company response to consumer: Untimely response
Consumer complaint received 2016-01-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have tried for the past 6 months to get XXXX bank to rectify a mistake they made to ch to chex systems. to the date of this correspondent this has n't happened. I have provided documentation to them, with them coming back and sayin that this this inforaation is accurate. Im exhausted with all the going back and forth with them not being held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX  XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the XXXX year reporting mark as it was originally filed as a XXXX  XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 BANKRUPTCY IS STILL REPORTING FOR OVER 10 YEARS WHICH IS PASSED THE TERMS

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 2017-10-15
Company: EQUIFAX, INC.
State: MO
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,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, Equifax, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per FTC sec XXXX credit agencies are not validating credit account. They are simply verifying my 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 explanation
Consumer complaint received 2020-01-13
Company: Continental Finance Company, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened an account with Continental Finance ( XXXX XXXX XXXX ) and received a XXXX credit card. I went to look up my balance and the website is not functional ; the telephone customer service number just hangs up when you call 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 2022-02-21
Company: EQUIFAX, INC.
State: MN
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: Didn't receive services that were advertised

Complaint:
I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year 2010. I was told I was approved for complete financial aid since I was a single mom and had no income. The grant was suppose to be approved for the program which was XXXX in financial aid. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or updatea about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
on XXXX XXXX, 2015 there was an ACH transaction withdrawal from my account without my permission for {$750.00} to a company bamed XXXX. this ACH transaction caused my business account to go into a negative balance. when I noticed the transaction on XXXX XXXX, 2015 I immediately called my bank and spoke to the claims department. I explain the situation that this was a fraudulent activity that I have no knowledge or no relations to XXXX or the bank that was involved as well named fifth third Bank in Michigan. XXXX XXXX filed the claim XXXX XXXX filed the claims for me and told me I would receive a refund in 12 hours or up to 1 to 2 business days. When I followed up on XXXX XXXX, 2015 with XXXX who holds my business account at approximately XXXX XXXX I was told that my claim was denied because I needed to make a claim within 24 hours of the transaction. before finding out that my claim was denied I have been going back-and-forth with the XXXX the claim department and the claim department from fifth third Bank. From here I was able to claim the company ID and the trace number in regards to this transaction. after finding out that my claim was denied I had spoke to my branch manager at XXXX to have a representative called the claim department in regards to the situation. I was able to retrieve my contract that I had signed with the business account. On Monday, XXXX XXXX, 2015 I have to call the XXXX claim department and they will be contacting fifth third bank with me on the line in regards to this transaction. I have filed a claim two times more after the my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have sent XXXX faxes and XXXX letter to Fifth Third bank ( XXXX ) requesting that they close my saving account and send the remainder of my funds in a check to my address. I am ill and I simply do n't have the energy to go back to the bank branch which is XXXX miles from where I live. I would have to take a bus, train and a shuttle to go back to the branch and round trip the travel would take 8 hours. Despite explaining this and asking several times that they close my account, the savings account remains open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The chapter XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the 7 year reporting mark as it was originally filed as a chapter XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...

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 2020-04-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
AGAIN BACK ON XX/XX/XXXX MY WIFE THE MORTGAGE HOLDER PASSED AWAY. SINCE THAT TIME MY SON AND I HAVE BEEN TRYING TO GET THIS MATTER RESOLVED. LAST YEAR MY SON SUFFERED A XXXX  AND FOUND OUT THAT HE WAS XXXX  XXXX   XXXX. THE PROPERTY IN TITLE SINCE IT IS A JOINT TENANCY THAT WAS FILED IN XXXX, XXXX THE PROPERTY IS NOW MINE AND MY SON 'S. THESE XXXX  AT BAYVIEW LOAN SERVICING KEEP TALKING ABOUT PROBATE AND I HAVE ATTACHED A COLORADO LAW TO SHOW THEM THAT THEY MUST HAVE THE BIGGEST BUNCH OF XXXX AS ATTORNEYS WORKING FOR THEM. AS YOU CAN SEE THE PROPERTY PASSES TO ME AND MY SON WITH THE JOINT TENANCY. THERE IS NO NEED FOR PROBATE ACCORDING TO COLORADO LAW. ALL THESE XXXX AT BAYVIEW IS SAYING IT NEEDS TO BE PROBATE. XXXX  XXXX. ALSO MY SON WHO LOST HIS JOB DUE TO THE XXXX WE GOT A LETTER STATING THAT THE PAYMENTS WERE SUSPENDED THROUGH XX/XX/XXXX. I THEN ASKED FOR THE PAYMENTS TO HAVE A 180 DAYS SUSPENSION TO THE NEW CARES ACT AND A XXXX XXXX FROM BAYVIEW STATED THAT DOES NOT APPLY. ANOTHER BREAKING THE LAW. SINCE XX/XX/XXXX XXXX XXXX HAS SENT AN EMAIL STATING THAT XXXX XXXX AUTHORIZATION TO SPEAK TO ME ABOUT THE LOAN BUT STATES THAT SHE CAN NOT OR BAYVIEW CAN NOT DUE ANYTHING. SINCE I FILED A COMPLAINT ON CONSUMER AFFAIRS I HAVE GOTTEN OVER 1500 HITS AND HAVE ATTORNEYS CALLING ME WANTING TO HELP ME AND XXXX  IT  TO BAYVIEW. THE PEOPLE AT XXXX XXXX  XXXX  AS WELL AS XXXX XXXX OF MONTANA WHO TOOK BAYVIEW FOR XXXX HAVE OFFERED OPINIONS AND OTHERS. ANOTHER COPY FROM A COLORADO LAW BOOK AND THE COPY OF THE TITLE SEARCH WHICH BAYVIEW DID IS ENCLOSED. I SUGGEST THAT THIS MATTER IS RESOLVED TO MY LIKING BY XX/XX/XXXX OR CIVIL AND CRIMINAL ACTIONS ON MY BEHALF WILL BE FILED BY ATTORNEYS THAT ARE WILLING TO REPRESENT ME FOR FREE. THIS XXXX HAS GONE ON LONG ENOUGH AND SINCE BAYVIEW IS TAKING FEDERAL MONEY MAYBE AGAIN THE FEDSD SHOULD SHUT IT DOWN. THANK YOU. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: DC
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/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A states : I have the right to privacy.

According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am doing a loan modification with Bank of America. The trial period ended in XX/XX/XXXX with the permanent modification to start XX/XX/XXXX. BofA made an error in XXXX and took a little to get it resolved so a rep told me ( XX/XX/XXXX ) I had to make another payment in XX/XX/XXXX, which will go to my first permanent payment. I called to schedule the payment XX/XX/XXXX. 
Today I received a letter from BofA telling me to make my first permanent payment XX/XX/XXXX and a payment in XX/XX/XXXX is not required, but if I make it, it will be applied to the end of my loan. 
There is a big difference in " you have to '' and " not required ''. 
I called BofA to ask them to apply the payment to XXXX, but was told no and if I didn't make another payment in XXXX, the modification would be denied. 
I would not have made a payment that was not required.

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 2020-04-21
Company: U.S. BANCORP
State: WV
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 received a credit card in the mail from USBank. It says it's a debit card. I called and continue to get a busy signal. I searched and found that many people receive this card instead of a hard paycheck from a job. I just started a new job and thought it might be from them so after being unable to reach the company by phone, I created a username and password online and opened a new profile on their website. I had to complete the profile to see that there is no money on the card and that they just want me to use this card as a debit card which I do not need or want. I searched the website and called to have them close the account and can't get any answer on the phone and there is no link on the website to close.

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 2017-02-22
Company: Armed Forces Loans of Nevada Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I originally took out a loan with Armed Forces Loan and hit a rough patch and was unable to make payments. I contacted the company and made arrangements for a ONE TIME {$300.00} payment in XXXX and I told them I would contact them again the following month to arrange another payment. In XXXX I was unable to make a payment and in XXXX I noticed an unauthorized transaction from AFL on my bank account. I contacted my bank to reverse the charge and then contacted my legal office at my XXXX. I was advised to take legal action due to me not authorizing the transaction. I contacted AFL and made them aware of what they would possibly be facing and they quickly reversed the charge. Since XXXX up until now I have been making making payments of {$190.00} towards my outstanding loan but AFL again refuses to do their part. They are still reporting my payments as late monthly even though I have n't been late since last year. My payment of {$300.00} is n't reported on my credit report. I will be moving forward with legal action because I 've been burned by this company many times. They take advantage of customers & do n't execute proper reporting to credit bureaus. I have statements of payment included in this complaint as we as an email stating my most recent balance which is reported incorrectly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Home mortgage acquired our loan from XXXX XXXX company beginning this month. My husband, XXXX XXXX, is listed on the mortgage with me. When I contacted the office as they state they are unable to locate my insurance information, I was advised they do not have me listed as a borrower and will not speak with me. Advised that I have the loan paperwork showing otherwise and they should produce the original documents which they were unable to do so. They now are not paying the loan insurance that is due to our insurance carrier from our escrow account. 
Now they are informing me that they are not listing me as a borrower on the account regardless. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: SC
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 accounts does not belong to me and has already been removed from my other credit reports : XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- I have insurance and claims would have been filed with my insurance Experian is reporting outdated inquires on my credit report there were suppose to be removed in 2018 below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loans I have inquires on my report that I did not authorize below : 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 non-monetary relief