BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the confirmed successor in interest for a residential property where wells fargo holds the mortgage. 

I have requested multiple times that Wells fargo follow CFPB interpretative ruling issued XX/XX/2014. Docket Number XXXX which states : " The bureau is issuing this interpretative rule to clarify where a successor in interest ( successor ) who as previously acquired title to the dwelling agrees to be added as obligor or substituted for the existing obligor on a consumer credit transaction secured by that dwelling, the creditor 's written acknowledgment of the successor as obligor is not subject to the Bureau 's Ability to Repay Rule, because such a transaction does not constitute an assumption. '' I am already the confirmed successor in interest. I have requested, repeatedly, for wells fargo to add me as obligor on the loan following the above rule. I filed a previous complaint : CFPB Case Number XXXX Wells Fargo Case number : XXXX I have asked wells fargo to confirm they understand that i am NOT asking for an assumption under regulation Z. 

Please review the previous complaint and the response that literally ignores the ruling. I am not asking for an assumption.

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 2023-10-07
Company: Maximus Education, LLC dba Aidvantage
State: IN
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 received notice that Aidvantage received my XXXX application on XX/XX/XXXX and I have yet to hear back anything. I applied via studentaid.gov and self-certified my income. I have emailed Aidvantage to inquire about my status and have not gotten a reply. On XX/XX/XXXX I received a confusing email stating it was too soon to recertify my IDR. I wasnt asking to do that? This better not have been a denial. I make very little money right now and in no scenario do I not qualify for the {$0.00} SAVE payment with no interest. 
This is the second time in a row I have had to make a CFPB complaint as the first time the company also neglected to tend to my application. A few days afterwards I was put on an IDR plan and forbearance and told to re-file to apply to SAVE. Here we are again. 
I need to know what is going on and need my account looked at. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: MS
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 did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. 
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: OH
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 accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source

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 2023-05-04
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 2022-10-10
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call 2 Fridays ago ( XX/XX/XXXX ) from XXXX XXXX  from IQ data international. He was calling in regards to XXXX XXXX XXXX. I moved out in XX/XX/XXXX. XXXX was the XXXX person. He wouldn't let me speak. He overtalked me over and over. When given a chance to speak I tried to explain to him my lease was month to month and that I didn't break my lease. I also explained to him why my lease was month to month. I asked him to send me all documents and photos, I was told " you don't have time to review this. After XXXX and I went back and forth he sent over 1 document showing I owed for damages and cleaning, I advised XXXX I was fine with paying for other damages but I was not paying for additional rent, carpet, or cleaning. XXXX stated " even if I remove those charges that are only {$800.00}. He then disconnected my call. This company refuses to help you. XXXX spoke to me as if I was a criminal and was very belittling and harrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-02-06
Company: EQUIFAX, INC.
State: AL
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:
Was hospitalized for an extended period In late XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX  XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an EWS report. Otherwise, anyone paying for my reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file for all accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed. 

Please verify the accounts or remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: AES/PHEAA
State: MI
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 sent 4 letters Exhibit A Validation of debt request dated XX/XX/XXXX XXXX Exhibit B Validation of debt request dated XX/XX/XXXX XXXX Exhibit C Notice of default Opportunity to cure XX/XX/XXXX XXXX Exhibit D Notice of Intent to Sue XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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: Credit inquiries on your report that you don't recognize

Complaint:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted XXXX to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-19
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:
XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX, account number # XXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that Equifax is reporting 30 days late, and XXXX is reporting XXXX as 30 days late, and XXXX XXXX reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In late XX/XX/XXXX i disconnected by XXXX XXXX  cable service because I was moving. I called XXXX  and asked how to return the equipment. They told me do leave it with the doorman and they would pick it up. However they never attempted to do so according to building record so I followed up several times telling them they had yet to pick it up. On XX/XX/XXXX I called XXXX   because they had charged an auto pay of {$470.00}. The person i spoke to said that was for the equipment but since they failed to pick it up after i follows the instructions they gave the billing was an error and they reversed the charge. I never though of this again until XX/XX/XXXX when a collections agency send me a notice for {$470.00} from XXXX. I called XXXX to inquire. I was given a totally new story that despite what I was told in XXXX it was now my fault they failed to follow through and pick up the equipment. Two employees XXXX # XXXX and XXXX XXXX told me different and misleading stories and said the only way to get the collection notice off my record was the pay the {$470.00} I had previously been told was an error and only exists because XXXX failed to perform the task it said it would and pick up the equipment. While I could easily pay this I realize some people couldnt so Im standing up to XXXX   misleading actions and credit threats in and effort to extort money from me that I dont owe them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. XXXX 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 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card XXXX 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 explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After review of my credit report, attached for evidence, there are accounts that are reporting closed accounts. For instance, XXXX account ending in XXXX and XXXX. Additionally, XXXX account XXXX, is showing two separate reporting with different balances which is inaccurate. Seems to be XXXX and the credit bureaus are reporting inaccurate information which also violates consumer rights. XXXX is also reporting closed whereas the consumer has not been given the 1099-c federally required form of debt cancellation. US DEPT OF ED/XXXX account number XXXX is also reporting closed and also showing duplicate, more than once reported on the same account. XXXX XXXX XXXX account number XXXX is also reporting closed. I am demanding these accounts mentioned be deleted. XXXX, XXXX, US Dept of Ed, XXXX XXXX XXXX as well as the credit bureaus are violating my consumer rights by reporting closed accounts and inaccurate information. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, XXXX is reporting this information. The reporting of excluded information pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX  compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please remove the collection account XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX   ). The account which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the account with Transunion but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the account

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