BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX lien holder gave me a short sale approval on XXXX XXXX, 2015 and to this date The XXXX lien holder, Wells Fargo Home Equity has seemingly because of their written off status been delaying providing their short sale approval to the detriment of my approved short sale status. The XXXX lien holder has given us XXXX short sale extensions and I am afraid they will now resume their Foreclosure as they do not believe Wells Fargo will ever provide an approval. 
Wells Fargo also, even after numerous communication with their customer service department, has been incorrectly sending my private banking correspondence to a Texas address and changed my number to a Texas number in their system so I do n't receive any notices. 
This is so unfair considering my primary lien holder advised me to do a short sale and already granted me short sale approval and now that this XXXX lien holder has stalled the closing I am about to lose even my relocation funds and my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: SYNCHRONY FINANCIAL
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to dispute a charge of {$500.00} to my credit card account on XX/XX/2022. On XX/XX/XXXX and XX/XX/2022, I erroneously paid twice the same amount of {$500.00}. XXXX Please see attached copy of my TJX Rewards statement. 
When I realized the error, I contacted my bank, XXXX XXXX, XXXX, TX, and the bank reimbursed me the amount of {$500.00} that I paid twice. 

Later that day, I noticed that I had another {$500.00} charge on my credit card. My bank only reimbursed me once the {$500.00} that I paid twice. As you can see on my statement, there were no additional purchases for {$500.00} made on my credit card to justify the additional charges. The only purchases for {$96.00}, I paid and canceled my credit card all together. 

At this time, I have completely paid off my TJXX Rewards Platinum Mastercard, and I dont owe anything to your credit card company. I also would like to add that I have a perfect XXXX  score of XXXX 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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the XXXX data breach.

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 2015-08-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I asked Equifax if I could get the same availability of email that they give the reporting agency. The credit reporting agencies use " electronic '' communication with the reporting agency, but WILL NOT use : electronic " communication '' with the person being reported on. It is not within company policy to allow that. Consumers have to use the Postal System to defend themselves and they have no idea if the information is ever received. Equifax also does no investigation, they simply " electronically '' send a dispute statement to the reporting agency, wait for their reply, and send the consumer a notice that the reporting agency reaffirms their initial report. Instead of requiring proof from the reporting agency Equifax told me to call the agency myself to straighten the matter out. I would like to see the same level of benefit between the reporting agency and the individual being reported on. My dispute took XXXX months and XXXX different case numbers ( per call ) for the same dispute to finally get resolved by ME. Equifax still had it under investigation until I called to verify the item was removed as I had correspondence from the BBB between them and the reporting agency that they would drop the action and notify the credit agencies. I asked for a credit report showing that ... another case file was opened to send me the credit report. This was removed because the collection agency was rereporting old debt that was passed the statue of limitations. Equifax was told on each phone call, but it ultimately took the BBB to resolve the issue. Equifax still would not let me " attach '' a document as you have allowed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen from my car on Saturday, XX/XX/XXXX. My credit card and debit card were then used to fraudulently spend {$4000.00} ( {$2000.00} ) on each card at the XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, California. I have disputed the charges with both XXXX XXXX ( credit ) and Wells Fargo ( debit. ) XXXX XXXX has said that the charge will be flagged and voided, however, Wells Fargo is still in the claims process.

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 2022-05-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid different accounts and Transunion has it paid off and XXXX does n't! I have a credit score that is XXXX pts different from one credit company to another! I have collection items that were paid on one credit report and open on others. I have late payments on Trasunion and there on none in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Saw in my credit score that someone opened a best buy store credit card in the amount of XXXX in XX/XX/2022. I have not opened a credit card or have been to best buy in a long time. I have been trying to call best buy at the number XXXX to get this matter fixed. but do to holidays unsuccessful at this time. will continue to try and monitor my credit.

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 2022-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been struggling with HSABANK since XXXX 2014. Their website does n't provide accurate information about account balance, beneficiaries, and does n't allow me to transfer to my investment account to manage it. Their so-called customer service is inept. Since this is an internet bank a non-functioning website is the same as if they were closed or out of business. They do not respond to information requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AES/PHEAA
State: CA
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:
My assigned federal student loan servicer is FedLoan Servicing. I have been attempting to switch my repayment plan from the IBR plan to the REPAYE plan since XXXX 2016. FedLoan has made numerous errors and has neglected to process my requests over a period of over 6 months. The original request to switch plans was completed on the XXXX and XXXX XXXX XXXX website ( studentloans.gov ). Over a month later, I had not received any correspondence from FedLoan Servicing. After calling several times and getting various misinformation, I was eventually informed that they had received the request but were n't processing it until I called them to request to be switched. After several more calls and more misinformation, I was finally placed on a reduced payment forbearance so that I could make the single payment to get out of IBR and switch to the REPAYE program ( request completed on XXXX XXXX, 2016 ). Most recently, I made XXXX reduced payments ( after having been told I only needed to make XXXX XXXX, on XXXX XXXX and XXXX XXXX. I then received a bill for XXXX, due on XXXX XXXX and was informed that its because FedLoan did n't process the request prior to the expiration of reduced payment forbearance. This issue required another set of calls to sort out, with more misinformation. So, its been over 6 months and more than XXXX calls to FedLoan Servicing, with lots of misinformation and mistakes along the way, and the process is still not complete! My husband has loans serviced by XXXX XXXX and he was able to complete the process in less than 30 days. I do n't understand how customer service can be so discrepant between the XXXX loan servicers and have been beyond frustrated by FedLoan Servicing and the amount of time and energy required to make a fairly straightforward change on my account. I have been so unhappy with their customer service, I sincerely hope to receive a different loan servicer. This is incredibly unfair to me and probably lots of other people who have had similar problems with FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: GA
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:
After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all 3 credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) -EQUIFAX MTG XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: AL
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:
Exercising in good faith a right under the Consumer Credit Protection Act, I called XXXX XXXX on XX/XX/21 to get clarity as to why my account was closed, and the dispute team, fraud department, and management could not give me a direct answer but only what may have been the reason. XXXX XXXX 's reasoning was that payments were coming back or that I was having trouble with them or I might be having some trouble with another financial institution as to why the account was permanently closed which is incorrect. Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) You shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights, and this is exactly what XXXX XXXX did. I was simply exercising my right as a consumer/natural person concerning an alleged debt. I realized this was a consumer credit transaction pursuant to federal law 15 USC 1602, and I was only extending my credit to XXXX XXXX. I should not have to pay on credit I extended as a natural person. 
Because of this XXXX XXXX  closed out my account without any proof as to why. My score has dropped dramatically and I'm being denied the opportunity to buy a home because of it. My character, reputation, creditworthiness, and credit capacity is being tarnished.

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 2016-07-21
Company: Van Ru Credit Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector calls my work phone approximately XXXX - 10 times/day.

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 2017-01-05
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am currently on an Income Driven Repayment ( IDR ) plan and I agreed to electronic and direct deposit. I firmly believe that these plans are created to lower payments to a more manageable XXXX ( of course interest still accumulates ). I pay XXXX a month and woke up this new year to a XXXX withdrawal. Not only was Fed loan rude but they put all the blame on me. I spent the afternoon stopping payment from my bank and dealing with Fed loan trying to still attempt to not default but was not able to reach any type of compromise. My only question is its 2017 is the best form of communication an email over the holidays with no marker of importance, no title in the email stating my rate would go up, not a prerecorded phone call or send a text ( they do of course offer texts for promotional services ). I understand of course as they stated this is all my responsibility but with such a significant increase in payment I definitely think a better effort on their side communication wise is definitely warranted. I feel the worst for the call center employees since they are forced to deal with unnecessarily upset customers. I mean where is the logic here I 'm on and IDR because I ca n't afford a regular payment so go ahead and instead of charging me XXXX charge me XXXX. I guess understanding of my situation was just to hard for them. I was not notified of forebearance till the 5th time I called TODAY! I am definitely reconsolidating and looking for a better servicer. After all was said and done I attest that this process took 6 hrs today and by the time I called back the calling center was closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have an business account with suntrust, and i rarely use it due to the problems that always occur when i do. i am XXXX, and i was checking on my account and was shocked when i saw a negative XXXX charge. i learned from recent situations that i should call suntrust due to its incorrect online balances, so i did and each time i would call i was told that the computers were down, and i would have to call back in 2-3 hours. that would be XXXX my time, and i wasnt willing to stay up that late. i finally get a hold of them on XX/XX/XXXX and was told that my account went over XXXX dollars, and so i was charged XXXX dollars in overdraft fees! that charge absolutely shocked me. i spoke to several supervisors, and stated that this charge was unnecessary, and i was told that due to previous courtesy credits they could not provide me with another one. most of the previous credits, as i explained to these supervisors were also due to bank errors. she said that they were still considered courtesy credits, and that i would have to pay the XXXX in overdraft fees. all the representatives i spoke to seemed uninterested, and unwilling to help me. by the end of the call i simply stated that i would not be paying this fee because it was unnecessary, and the supervisors reply was i will notate the account! I honestly never use this account, due to problems i had with them before, but i was forced to due to some checks. All i want from suntrust is to take the fees off, so i can pay the XXXX i owe, and close this account. this bank is by far the worst bank i have ever worked with, and i have several accounts with banks much smaller than suntrust.

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