BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX. I had buyer send me XXXX for product. But I got email there is a PROBLEM TO SEND XXXX MORE then you will be rein burst the remainder. The XXXX payment was bank of America My bank was XXXX  XXXX but my bank shows no info about any of this. Here is first email is bellow. The second confirmed the XXXX difference and the XXXX was FBI warning that I was being investigated if I didn't return the money within a hour!!! 

Dear, XXXX XXXX XXXX XXXX XXXX sent you money through Bank of America with XXXX XXXX Your sender is registered with a XXXX member bank that supports payments in real time. You'll usually get their payment in a few minutes. 
amount : {$1300.00} To : Regular Checking XXXX Credit posts on : XX/XX/2022 Available now : {$0.00} Confirmation # : XXXX Pending Review Important information : Your XXXX payment is under review : Follow this instructions below to resolve the issue. 
We have a problem crediting your funds ( {$1300.00} ) because of your account is not a Business User which makes your account have limits. This amount seems to be above your limits so you have to take this urgent step to expand your limit. 
Expandyour account into a business account, contact your buyer XXXX XXXX XXXX ) to send in an additional payment of {$380.00} into your XXXX account to expand your limit. Soon as this is done, we will credit your account with the whole sum of {$1600.00} IMPORTANT NOTE : An alert email has been sent to your buyer ( XXXX XXXX ) in regards to the {$380.00} additional payment to send, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction. 

Ask XXXX, " Reply Email For Any Complaint?

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 2017-08-22
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:
I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

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 2017-08-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have consolidationg direct loans that were serviced by XXXX but are now serviced by XXXX. I have applied for a PSLF and the FedLoan site will not let me enroll for an account nor does it recongnize my social security number OR names. I have contacted MyFedLoan was on hold for an hour then someone answered and said they could try and transfer, again I was on hold for 30 minutes and I have tried repeatedly to call with no luck. I can not submit a form for help the site does not recognize my social?? I'm at a lost as to what to do? I feel like I am going in circles with this mess!!!! Thanks for your help! 

XXXX XXXX XXXX XXXX XX/XX/1964

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
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: Account information incorrect

Complaint:
Account opened XX/XX/XXXX Account closed XX/XX/XXXX Still reporting on credit report.

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 2018-07-02
Company: Ameritech Financial
State: NY
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 enrolled in a loan forgiveness program with Ameritech Financial last year. I was told it was a 10 year program and income driven. They have been charging {$82.00} out of my account, each month. I thought this was going towards my student loans, but wasn't. I received a letter from the Federal Trade Commission telling me this company, Ameritech Financial, is a scam and are performing deceptive practices. They are currently under a lawsuit in court, by the Federal Trade Commision, and I am hoping to get my money back and anything else that can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Nelnet, Inc.
State: GA
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: Billing dispute for services

Complaint:
Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPTEDNELNET can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPTEDNELNET reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: GA
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:
In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2017-09-10
Company: EQUIFAX, INC.
State: NJ
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:
Equifax announced in early XXXX that the personal information of millions of American consumers were leaked due to a cybersecurity incident, and I am one of the affected. The incident involved a flaw in XXXX 's " XXXX '' software which Equifax used as the foundation to their web application. By way of analogy, Equifax 's web application software is like a brick-and-mortar bank with consumer data in its vault. A flaw in XXXX is like a bank mistakenly leaving a window open, allowing a burglar to access the interior of the bank. Cyber criminals used this flaw to access the vault. As XXXX XXXX XXXX XXXX XXXX  Vice President ) said : " It is good software engineering practice to have individually secured layers behind a public-facing presentation layer such as the XXXX XXXX framework. A breach into the presentation layer should never empower access to significant or even all back-end information resources. '' In other words, the vault should be locked so burglars gaining access to the building can not enter the vault. Equifax perhaps could not have known or be held responsible about a flaw in XXXX, but their negligence allowed this flaw to result in the leak of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
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: Public record information inaccurate

Complaint:
My identification was stolen in XX/XX/XXXX, and XXXX XXXX HAS NOT added this important factor into my credit report. 

I clearly had established credit in XX/XX/XXXX when I got an federal student loan without an co-signer. Why don't i have an credit score? 

Why can't I receive ANY CREDIT AFTRR MY IDENTIFICATION THEFT. 

XXXX XXXX HAS NOT EXISTED SINCE XX/XX/XXXX when my identification was stolen DUE TO AN TEXAS DMV CLERICAL ERROR. 

Why is hasn't my creditor, XXXX  : 1. Update mt credit file to XXXX XXXX, that's matched my nevada id. 

2. Notified creditors that I'm an vitcim of an federal offense. 

3. Basic common sense, I had good to great credit in XX/XX/XXXX, why isnt this shown on my credit report. 

4. Why is my credit score blank, when I previously got an federal student loan.

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 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
RE : Consumer Financial Protection Bureau I am writing to complain about Non-Compliance for the following. Credit Bureaus ( XXXX, Transunion and XXXX ). I requested on XX/XX/2018 my Full Consumer Disclosure File, not my credit report. They have failed to comply with FCRA-Section 609 ( a ) ( 1 ) by not providing the date of First Delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX I am concerned that it has been re-aged by a junk debt buyer. So I am wanting to see my disclosure file ... .. I sent All Three Credit Bureaus the processing fee of {$12.00}. Transunion Cashed it, but only sent my credit report and not my disclosure file. XXXX and XXXX  sent my credit report only, so far they have not cashed the processing fee of {$12.00} or returned it to me. I have included attached cancelled check for processing fee, copy of letters to all 3 bureaus, copy of the XXXX XXXX Original bill showing account info. I would appreciate it if the CFPB engages all 3 Bureaus for Violating FCRA-Section 609 ( a ) ( 1 ) by not providing my Consumer Disclosure File. These reports I requested are crucial to me defending against another CA, that is violating Consumer Credit Reporting laws.

Kindest Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-01-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We ( my wife XXXX and I ) are asking for assistance in resolving XXXX fraudulent charges on our Barclays Bank " Jet Blue Master Card '' credit card account totaling {$9700.00} which we reported as fraudulent, but the bank claims they are all valid and is holding us responsible for them. We deny and have consistently denied that any of these purchases were made by anyone on our account. 

On XX/XX/1921 and XX/XX/XXXX we received calls from Barclays Fraud Investigation Unit regarding suspicious activity on our account. I identified several purchases made at XXXX XXXX stores as not made by anyone on the account. At that time the Bank agreed to dismiss those charges. 

On XX/XX/XXXX the two cards with fraudulent activity were cancelled, and new cards issued ( with new account numbers ) to both my wife and myself. The new cards were received and activated on XX/XX/XXXX. 

On XX/XX/XXXX, we received an email from Barclays alerting us to the fact that our credit line was approaching its limit of {$21000.00}. When we followed up with a call to Barclays, we discovered the appearance of the 38 fraudulent charges described above. We denied these charges but were told by the Bank that they had been investigated they determined that they were all valid. We attempted to resolve the issues on the phone several times, to no avail. 

We have reported the issue to our local Police Precinct, and are awaiting a copy of their report. In the meantime we were advised by the Bank to compose a writeup explaining why the charges were fraudulent, which I completed and faxed to the Bank on XX/XX/XXXX. 

At this time, the Bank has refused to take the charges off our account, and since they exceed {$9500.00}, I had to switch automatic payments from " Pay In Full Each Month, '' to " Pay Minimum Balance Each Month, '' until this issue gets resolved. To the best of our knowlege, no final decision has been made by the Bank on this 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/22 I disputed with TRANSUNION the accuracy of account XXXX XXXX # XXXX. They closed the account on XX/XX/22 but reinserted it on XX/XX/22 and failed to notify me within five days of this reinsertion which is a violation of the FCRA. Please see attached document. 

This is grounds for the removal of this account from my credit report immediately.

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 2022-06-20
Company: EQUIFAX, INC.
State: FL
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 " UNKNOWN '' ACCOUNT # XXXX has violated my rights. 

15 U.S.C. 1681 602 A States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

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 2018-12-03
Company: LendUp Loans LLC
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: Old information reappears or never goes away

Complaint:
Hi, A company called XXXX  reported to my credit bureaus without my permission. They claimed I check marked a box allowing them to report the credit line however I don't recall ever signing off or accepting this. I want the line items removed I believe it is 4 of them. They also use a different reporting name as well called Flourish. It's damaging and they aren't being helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America quoted a wrong credit score to close my account. Several weeks later, BoA sent a letter apologizing for the wrong closure of my account due to a wrong credit score. Because my account is closed, I have lost over 10,000 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni was reporting on my credit report that I owed {$100.00} for a XXXX collection. I never owed XXXX XXXX that amount. When I filed a dispute with XXXX they reduced the amount owed to {$0.00} and reported it as if I had paid the {$100.00}. This needs to be completely removed as this is still inaccurate.

Company response to consumer: Closed with explanation