BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: MD
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:
I contacted Equifax on XX/XX/2021 regarding several unauthorized inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. 
I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: STATE FARM BANK, FSB
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had made an online transfer of funds to a recipient and I was involved in a scam of my funds. The recipient promised that she would mail me an item that I purchased through her website. She didnt send me the item but received my funds through XXXX app. Im trying to recover my funds which amounted to {$500.00} on XX/XX/20. I made a claim with my financial institution and they denied my claim. I wasnt able to retrieve the information I needed to file a complaint to the recipient bank. Because the recipient bank is affiliated with the XXXX app. They stated that they dont work with online app transfer of funds. I am filing a complaint to receive the funds that have been wrongfully taken from me. I also spoke to a representative from XXXX to try to recover the funds but they were not able to assist. Please help!

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 2018-05-18
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX my Navient loans emerged from deferment after my cosigner 's bankruptcy disbursement was accepted. My total loan with Navient is {$160000.00} and my monthly payment is {$1300.00}. I only make {$50000.00} a year in Washington, DC, and between servicing two other loans, bills, and living expenses that exceeds my funds my hundreds of dollars. 

That evening, I attempted to fill out Navient 's payment plan estimator tool, but I continued to get error messages. After thinking it was a misunderstanding of mine, I called them on XX/XX/XXXX to speak with a live person about repayment options. The person I spoke with informed me that my loans were not eligible for payment plans and that the total is due beginning in XX/XX/XXXX. I explained that the payment was greater than my rent, and I was simply can not make that payment. My representative then asked me how much I think I could pay. Naturally, I thought that was suspicious and told her I would not haggle, I know there are formulae used based on my income they could use to determine a more manageable payment and that I would not engage that line of questioning. Next, she explained there was one option - an " interest only '' payment plan. The interest only plan estimated about {$940.00} a month and still exceeds my means. She said I had no other choice. I told her to put it in my account notes and I would call later. 

On Monday XX/XX/XXXX I called again to get some paperwork to review. It was the same story with no other plans, but then they told me they could not send me anything until I agreed to it on the phone. That really raised my suspicion. I refused to that arrangement and asked they send me an estimate in writing to my email. They said they had to write a special letter and only could send it through the USPS. I am currently awaiting that letter. 

My job hunt is dependent on me paying my bills, and this can severely impact my ability to pursue a career and earn an income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am disputing the charge of {$470.00} on my credit report from XXXX XXXX XXXX. Apparently a final bill that I never received. {$510.00} seems high for a residential utility bill?? however if that was the final bill I had with XXXX the {$50.00} refundable deposit would have reduced the bill to {$460.00}.?? I dont know ... this is not my bill ... 
Please help me to resolve this issue to clear from my credit report. It is being reported by all XXXX bureaus. 
Attached is a copy of my XXXX application and refundable deposit amount. 
My desired resolution with XXXX XXXX XXXX is to show this bill as Paid as Agreed or even better deleted from my credit report as it is showing under collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
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: Account information incorrect

Complaint:
On XX/XX/2020 Experian reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: NJ
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:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note I am the only natural person writing this statement. There is no 3rd party helping me with this matter. The credit reporting agency failed to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Please see attached letter that was sent.

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 2020-06-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not received my XXXX statement which will show the XX/XX/XXXX payment due details. It is now the XXXX of XXXX. I have already made the payment but after contacting the lender Shellpoint Mortgage Servicing several times they have not provided an answer or reason and have only emailed me the XXXX statement which I already have. Not only have I not received it, it is not on the website via my login as with all other months. This is highly unusual and is very deceptive in that they are not providing me with the statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection from an apartment complex on my credit report that is not mine. I disputed it with both the credit bureaus and the collection company and its still on my credit reports. I would like this account remove from my credit reports asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: Aldridge PIte Haan, LLP
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was initially contacted by mail from Aldridge Pite and Haan/Debt Collector by letter dated XX/XX/2021, who states their client is XXXX XXXX. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with Aldridge Pite and Haan/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from Aldridge Pite and Haan/Debt Collector. I demand that any information pertaining to Aldridge Pite and Haan/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TransUnion refuses to send me my free annual consumer report. The corporation keep saying they need documents to verify my identity. Documents has been sent already. TransUnion refuses to send me my report. I have already filed one complaint with the CFPB concerning this matter, reference number 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 2020-12-10
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX, XXXX, AND EXPERIAN WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013

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 2020-12-10
Company: EQUIFAX, INC.
State: MI
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:
XXXX, EQUIFAX, AND XXXX  WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
Product: Credit card
Issue: Other

Complaint:
On this day at approximately XXXX I received a call on my personal cell from XXXX I did answer it. And it was a rep from First Bank Card. Before she began to ask me any questions I asked her why is she calling me at XXXX, she stated she did n't realize what time it was. I stated " you call me every day, so why are you call me at XXXX in the morning '' " Do you know this is a violation of the CFPB '' and she stated yes and then went quiet on the phone, and I told her I would be in contact soon. Once I hung up, I picked up my other phone to see if they had called that phone, and she sure did at XXXX and she left a voice mail as well. I will attach the vm and the phone log. The bill was paid the day before and has always been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing again in regards with the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX XXXX Balance {$29000.00}

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 2017-07-30
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are XXXX collection accounts listed on my XXXX, XXXX, and XXXX credit reports. XXXX collect accounts list, I C System, as being the collection agency. I C System is not licensed to collect on debts in the state of Michigan. Therefore I am disputing XXXX entries.

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 2016-06-16
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( 8 minutes ago ) A young single mother was preapproved and then approved to buy a {$100000.00} XXXX. 
The lady had a total income of {$31000.00} a year. 
She had monthly debts of {$350.00}. At the very most, she qualified for a mortgage of {$61000.00}. 
The US Bank loan officer arranged a USDA downpayment of {$1500.00}. 
Not only was this lady not qualified to handle a {$100000.00} mortgage, she did n't even have any money for a downpayment. 
The appraiser from US Bank appraised this old house for {$100000.00}. It had sold only a few months earlier for {$55000.00}. 
Two years later, when US Bank sent an appraiser to determine the value of the property prior to a short sale, the property could only appraise for {$70000.00}. There were no damages to the property at that time. There are now after a year of being listed for sale. 
After agreeing to let my client do a short sale rather than a foreclosure, US Bank has done everything in its power to prevent the closing of the property. 
Their closing agents always take off on vacation when the various buyers ' loans are approved. 
US Bank managed to obstruct and delay XXXX closings with XXXX different buyers over the course of a year. The buyers were so delayed that they eventually gave up. 
We received a cash offer of {$69000.00}. US Bank sent over after some time an approval Summary stating the costs they would pay. 
As soon as we set a closing date, the new closing agent requested the exact same documents that she had already had and that US Bank had received many different times from myself and my client. She also wanted the same HUD that she had received before. 2 weeks earlier. 
I sent them, reminded her that the closing date was Friday, and asked if she needed anything else. 
Obviously not. Because her auto respond message was that she had left on vacation. 
So on Friday, finally on schedule, we closed and gave the buyer the keys. 
Now US Bank is angry. They are giving the title company a hard time. Is it closed or not? 
What does it profit US Bank to foreclose on this property? Why are they so determined to not settle this matter for good? 
They netted what they wanted minus the XXXX water bill that totalled over {$500.00} after a year of delays.What is their problem?

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for bankruptcy in XX/XX/XXXX as a result XXXX XXXX charged off my credit card account in XX/XX/XXXX which is understandable. However, XXXX XXXX reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that XXXX XXXX remove the additional charge of dates has been unsuccessful. XXXX XXXX refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that XXXX XXXX has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.

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 2022-03-15
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
GM FINANCIAL XXXX creditor GM FINANCIAL LEASING XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife and I were a victim of check fraud at US Bank. There have been so many things wrong with this situation that I have chosen to reach out for help and to hopefully help others while making sure certain people and US Bank is held liable. First off, we are from XXXX. Someone else 's check was stolen in XXXX on the WA XXXX border. The thief cashed the stolen check in our ( my wife 's name ) at a US Bank in XXXX on XXXX XXXX border. As soon as we were notified ( not by US Bank but by looking at our account ) we immediately turned it in the the fraud department. All our accounts were froze for the investigation to begin. We immediately opened another checking account through US Bank as life goes on and we needed money. US Bank opened another account for us and did NOT put any flags, notices, restrictions or notes about being recent fraud victims and our account was hacked AGAIN within one week of opening our new account in XXXX about XXXX miles from where the first fraud happened. BOTH instances the thief walked into the branch posing as my wife with NO acct # and NO second form of ID ( debt card etc.. ). They were able to withdrawal the money both times. After that happened we again closed our account. We filed another fraud claim. 2 weeks into the first claim the fraud department did NOT even have our claim. We have been trying to work non-stop with our local branch and over the phone with the US Bank customer service as well as with the fraud department. We have been given XXXX provisional credit even with proof from US Bank surveillance. On top of that our local branch has treated us VERY badly. We have been told that it is not that big of a deal, it will get dealt with at some point and to stop calling multiple times a day trying to speak to a representative that went out of their way to ignore 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 explanation