BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a transfer from my boyfriends account to my account of XXXX in XX/XX/2021. Bank of America closed my account and kept the XXXX on hold. It has been 2 years and I still have not received the funds. I have called the bank hundreds of times over the past 2 years, I have stepped into multiple branches and talked to multiple bankers and managers.

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 2022-07-28
Company: EQUIFAX, INC.
State: HI
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 XXXX XXXX, 2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XXXX XXXX, 2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XXXX/XXXX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted.

-Inves

tigation request letter with 2 forms of ID. -Certified mail stubs, front and back. -Request l
etter to update personal information, also sent with 2 forms of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: LEXISNEXIS
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The loan servicer is Navient. I have been paying back this loan for 15 years and 7 months. I owe more now than I did when I started the loan. 

I co-signed for my daughter with Navient also. Her loan is the same. With every passing month, the loan is higher. If I don't pay them both, my credit will be ruined. 

I have read that this company has been sued. I asked if I qualified for forgiveness of my loans and was told that I was not. My payments total about $ XXXX. I feel certain that I have paid these loans off. 

Currently, I am a XXXX XXXX XXXX I have my federal loans forgiven. I can't understand why my loans for have not. South Carolina is a qualifying state and I am still paying on these loans. 

My loan is {$17000.00} and my daughter 's loan is over {$25000.00}. I am not delinquent. 

Thanks for indulging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Act, XXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-15
Company: Allied Collection Services, Inc. (Nevada)
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 the following creditors have violated my rights. 

XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX I used my WellsFargo bank app to send XXXX US dollars from my checking account to my second cousin in XXXX, to his checking account. 
I was told that the money will arrive on XXXX of XXXX. On XXXX of XXXX money was still not received and I felt so embarrassed and told my cousin who is in his XXXX, that he will get the money soon. I called my bank and was given a case number XXXX, and with information that they will get back to me soon. I kept calling them, called on XXXX, talked with XXXX, she will send a note again. Called XXXX talked with XXXX ... No update. Called on XXXX and talked with XXXX. No update but after I asked to speak with some supervisor, I was connected with XXXX who told me that a new case number is assigned XXXX, and someone will call me by Friday, XX/XX/XXXX XXXX No one called and no one explained this far why it was taking so long or what was the issue. I sent the money to my cousin via XXXX XXXX on XXXX as he needed the money and I had promised him to send the money. 
On XXXX XXXX I called again and talked with XXXX, who gave me another case number XXXX. She told me she will get back to me in XXXX hours. She also informed me that there was some compliance hold. This was the first time someone told the such thing. This is just not right. I understand compliance hold for security but I should have been informed by XXXX so I could inform my cousin who may be thinking that I was not sending the money. Very embarrassing.

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 2022-06-06
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Citizens Bank using a promotional offer code XXXX. 
Under this offer, Citizens Bank is offering a bonus of up to {$400.00} when you open a new checking account. 
To earn a {$300.00} bonus, open your first new personal checking account and have at least XXXX single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 
To earn up to {$100.00} : Get paid {$2.00} per qualified debit transaction ( up to {$100.00} ) that post and clear your new checking account within 60 days of account opening. 
As per the terms, the bonus will be paid by XX/XX/XXXX. 
I have met all offer requirements ( please see description below ), but I did not receive my {$400.00} bonus. 
XXXX. I opened my account on XX/XX/XXXX. 
XXXX. I received a direct deposit on XX/XX/XXXX ( I received a direct deposit confirmation ). 
XXXX. I have made XXXX debit transactions that were posted and cleared in my new checking account within 60 days of account opening. 

Although I met all the requirements, I did not receive the {$400.00} Bonus. Based on the terms and conditions the Bank is legally required to pay me the {$400.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A person claiming to be XXXX XXXX called me and told me about their services of an personal investor. Ive sent {$2600.00} over the past month through XXXX with Wells Fargo. When I tried to get some withdrawn I was blocked.

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 2022-01-04
Company: WELLS FARGO & COMPANY
State: NC
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:
In XXXX of 2021 I transferred funds into my Wells Fargo account to make a payment on my auto loan ( the final payment ) with Wells Fargo Dealer Services. I then made the payment. Wells Fargo reversed the payment and reported my account as 30 days past due. Their action resulted in my XXXX score dropping from XXXX to XXXX. I am now unable to get a mortgage for a home I am trying to purchase.

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 2022-09-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a derogatory remark from a law firm in Texas that is a collect agency. That law firm purchased an old Dept from the year 2006 when XXXX XXXX ambulatory services took me unconscious to the hospital. The debt is now 16 years old and I filed a dispute with all 3 credit agencies about it. Of the 3, XXXX is the only agency that has failed to take it down and that is after I filed 3 different times with them to have it removed from my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Upgrade, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed incorrect credit reporting on an XXXX loan taken out that had a missed payment XX/XX/2022, since then I have made every single payment on time and in the full amount owed. They have reported my account as delinquent by XXXX days and have reported that I have missed XXXX payments ( totaling {$890.00} ) that are incorrect. I made a complaint through XXXX on XX/XX/XXXX and received a reply XX/XX/XXXX and was told to contact them either via phone or email regarding information that they had collected. I contacted the company via email XX/XX/XXXX, XXXX, XXXX, and XXXX with no response. Of course this false reporting has damaged my credit payment history and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-28
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA 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
Consumer complaint received 2022-11-28
Company: Atlanticus Services Corporation
State: VA
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XX/XX/2020 you reported that my transaction was 30 days late. 
XX/XX/2020 you reported that my transaction was 60 days late. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We purchased a home on XX/XX/2023 and made our first payment due XX/XX/2023 to XXXXXXXX XXXX  ( check sent on XX/XX/2023 & receipt of XXXX payment sent to us ) as our loan transferring process was delayed. 

XXXX has 60 days to transfer the collected funds to the servicing Mortgage Company, XXXX XXXX, which was delayed. 
We have been advised that after purchasing a home we can not get flagged for late payments for the first 60 days due to possible mortgage transfers that can take place. 
We have both been flagged by the credit bureaus for late payment of 30 days from XXXX XXXX although the original payment was submitted and received in a timely matter.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account listed below contains several errors and missing information, according the the FCRA Section 15 USC 1681 and 624 ( a ) ( 1 ) ( A ). This account is still not reporting 100 % accurate and contains the following errors : 1. Account shows two consecutive months of being 30 days late. ( how is that possible ) 2. Account shows multiple charge offs and missing information. 
3. Shows account in bankruptcy, how can a charge off and a bankruptcy be on the same account? 
4. Shows a high balance of {$4100.00} with a credit limit of {$1100.00}. 
Now is not the time to update this account, it must be deleted from my credit report, as required under the FCRA. Account XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-13
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA has mischaracterized my XXXX consolidated Direct loan as XXXX separate loans : XXXX XXXX  Consolidation Unsubsidized XX/XX/XXXX {$1400.00} ' and XXXX DL Consolidation Subsidized XX/XX/XXXX {$14000.00} ' This is entirely incorrect. They were consolidated into XXXX loan ( it was a 'consolidation ' of XXXX loans! ) XXXX XXXX XXXX ( subsidized ) loan. I have *never* had an unsubsidized loan of any sort : I had XXXX XXXX and XXXX XXXX, so there is no way that after MOHELA 's XXXX I should now have XXXX separate loans, XXXX unsubsidized. This mischaracterization only appeared in the last couple months and was not at all present when I consolidated the loans in XXXX or the intervening months. I have contacted MOHELA numerous times about this matter, including in writing, and they refuse to address their egregious error or respond specifically to me about it. 

I am attaching the screenshot of how the loans appear and a copy of my ( successful ) application for consolidation from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation