BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

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 2023-04-26
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date XXXX Balance : {$8400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo Class Action Lawsuit I had a auto loan with Wells Fargo from XXXX. I have moved a few times since then and I am wondering if i am part of the class action lawsuit. I have not received a letter. I tried calling. I got a rep that did not know how to help and then forwarded me to a number that disconnected me. I don't have a current account there but I want to know if I am eligible to participate in their repayment.

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 2021-07-27
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XX/XX/22 I became a victim of an employment recruitment scam. One of my accounts was used to scam {$2100.00}. Once I realized what happened, I visited my nearest branch for help. After three days of bouncing from rep to rep, On Monday the XXXX I was able to speak with a branch manager. The branch manager informed me that all my US Bank accounts were frozen and would be closed and I should find another bank. I explained what happened, kept all documentation. He understood what happened, but said that US Bank could not risk this happening again and they no longer wanted my business. I have been a customer for 30 years and have never in my life had anything like this happened before. I was hoping to work out a way to repay the loss in a matter of a couple weeks, but that didnt matter. Even though, I am the victim, its my fault that I was tricked. So I have no problem stepping up and fixing it, even though it puts me in a really tough place with my mortgage and bills for the month. But, as of the XX/XX/XXXX I have no access to funds until my new bank account is setup and they send me debit/ATM cards and my next paycheck is deposited. No grocery, gas, utilities payments available. I am emotionally and mentally distraught from the scam and this response did not help. The branch manager at the US Bank location at XXXX  XXXX, MO was so uncaring, it brought me to tears. He made me feel like I was the scammer.

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 2023-10-15
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Prior to XX/XX/XXXX  I had a checking account and savings account with chime bank ( XXXX XXXX ). Unfortunately I was XXXX  for a short period of time but when I was released I noticed that my accounts were closed. The customer service said that since I no longer had the phone number that was connected to that account that there was nothing they could do. I even offered to email a copy of multiple forms of identification but they refused to be of any help. I know for a fact that these two accounts help over XXXX US dollars as I had just received a direct deposit the night I was XXXX.. Ive been trying for over a year to gain access to these accounts and to my money but have been stonewalled the entire time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EdFinancial Services
State: LA
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:
On XX/XX/XXXX, I contacted ED financial when I found out about Biden 's Loan Forgiveness. I went to the FSA website that I could request a refund on payments that were made during the payment pause that started in XXXX. During the pause on payments, I paid off fully over {$35000.00} in student loans. After finding out about the forgiveness, I immediate contacted ED Financial about a refund of {$20000.00} due to me being a recipient of the Pell Grant and making under {$120000.00}. These qualifications mean that I am eligible for XXXX loan forgiveness. 

ED Financial is seeming to not know much about the refund and could not give me a time frame the refund would come. There are many other servicers that are giving time frames on refunds and refunds being reflected on their account. The application for forgiveness begins this month in XXXX and I am worried that ED financial will not process my refund in order for me to receive student loan forgiveness. I was told that the loan balance would not be reinstated until the refund was processed which may be after the deadline. The payments and accruing of interest will return in XXXX of XXXX. 

ED financial also told me that they can not provide a confirmation number or email proving that my request was sent to be processed. I do understand the volume of people requesting money back makes the time longer but its very concerning that they can not give me date range for my refund. I fear not getting my refund on time for forgiveness. Other servicers are getting their customers refunds and dates of refunds but ED financial seems to not know a thing. The refund would be a blessing to my family and so many other families during these hard times. I believe that this company, ED Financial does not care to give my refund in a timely manner and this bothers me daily. 

I am writing this complaint after hours discussion with others with this same fear. If I do not get my refund and have loans forgiven, I believe I will be devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to inform you that this company made unauthorized inquiries on my personal credit report. I have listed the name of the company below, and the dates the inquiries were made. 
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 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why?

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report.

I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: FL
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 # XXXX is showing a delinquent balance although I paid the card of XX/XX/2023. I sent XXXX XXXX a billing error dispute pursuant to 15 USC 1666 ( b ), ( c ), ( d ), and ( e ) on XX/XX/2023 but received no response to the error. This account should have been updated to PIF status already and XXXX will not respond to my dispute to fix the error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After my vehicle was repossessed, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA. From XX/XX/XXXX through XX/XX/XXXX, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions. I purchased my vehicle in XX/XX/XXXX, my repossession occurred in XX/XX/XXXX. Santander settled the case in XXXX but they also sold the debt to XXXX XXXX. According to the agreement, my debt is to be forgiven, the account status should be updated to positive and most importantly the account should be removed from my credit profile. Due to what Santander agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
It has been a battle going through this and I am writing to delete the following fraudulent items 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 nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  BANK XXXX XXXX XXXX XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-01-26
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: Account status incorrect

Complaint:
To Whom It May Concern : I am writing to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The collection reported for the item in dispute is inaccurate because this item does not belong to be. I am requesting that this item be investigated and proof that this item belongs to me is provided. An itemization of the charges does not qualify as proof that I own this item.

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 2023-03-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Because of the Nationally Equifax Security Breach, I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. XXXX [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. I am including the FTC reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is currently being serviced by XXXX XXXX. A lender and/or servicer CAN NOT collect on a debt that is TRANSFERRED DURING the DEFAULT of the LOAN. My violations as a Homeowner have been violated. I already accepted I can not remain in my home and since short selling my home was one of the options given to me to " avoid foreclosure '' I began the process. It has been a challenge with XXXX XXXX counter offering during the process causing the interested party to walk away from the transaction. The truth is that a short sale process is just as long, hectic and stressful as a modification and the servicer is well aware of that which is why the servicer should not delay on providing responses and/or an approval. I am currently facing foreclosure and only need 10 days to allow the transaction to close but XXXX XXXX, the servicer of my loan, is refusing to provide a postponement of the 10 days needed. I am asking to exercise my right as a homeowner to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NY
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:
Affidavit of truth, Notice 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, 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 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 of creation only, whoever that may be, and i depose the following facts, so be it, now present : Fact, in 15 US code 1681n states that ( b ) Civil liability for knowing noncompliance Any person ( Corporation ) who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Fact, XXXX is aware and has proof in attachment showing that my rights have been violated. Different companies for pulling my consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to remove my inquiry off of my consumer report and has to send a XXXX dollar check to my mailing address. 


You have 30 days to respond or greater measures will be taken to get my rights apprehended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got an alert on my report that there was a collection on my account from an unknown collector from an unknown source that says they are collecting from a lender that is also unknown and nowhere to be seen anywhere on my credit file anywhere past or present and I have no knowledge of ever using this lender for any services. I request the collection agent delete this account off all the reporting agencies and stop all attempts to collect any debts that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
caliber home loan is erroneously reporting 3x30 late on my current mortgage account. All payments were made on time, BUT caliber misapplied payments, and added property insurance WITHOUT my knowledge when I ALREADY HAD EOI, then charged me for the 2nd policy WITHOUT my authorization and MISSAPPLIED my mortgage payment toward the 2nd UNNESESARY HOME OWNERS POLICY and reported late pay for this account ... please help resolve this injustice!

ALSO, THE LETTER I SENT TO THE ADDRESS THEY REPORTED TO C.R.A CAME BACK UNDELIVERABLE ... THIS IS A F.C.R.A. VIOLATION ....

CALIBER HOME LOANS , INC . 
Account number XXXX .... 
Recent balance {$580000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$3200.00} past due as of XX/XX/XXXX. 

* Caliber assessed lender placed insurance on my loan because my insurance company did not provide proof of coverage. I was unaware of this. 

* A Caliber rep advised me NOT TO PAY the XXXX payment until it got sorted out and the amount was corrected. 

* I paid the XXXX payment on XX/XX/XXXX ( the amount was still incorrect ; I was worried about going too long without payment ). 

* I paid the XXXX payment on XX/XX/XXXX by phone. The Caliber rep apparently mis-entered the account number. After getting confirmation of payment, I found out a week later that the payment did not actually go through. 

* I paid the XXXX payment AGAIN on XX/XX/XXXX. 

* Checking the account online daily, it still showed I had over $ 6K in  late payments, which was fully incorrect. 

* On XX/XX/XXXX, a Caliber rep told me I needed to " get my account current '' and then escrow would be removed and they would get it sorted out with the credit bureaus. 

* When I spoke to the same rep earlier this week he said he " couldn't explain it '' but " there was nothing they could do. '' AAARRRRGGHHHHHH!!! 

Meanwhile, my credit score dropped 80 POINTS IN ONE MONTH. I have spent hours on the phone trying to get help with this mess, sent a letter of dispute, emails, etc. This has been a nightmare! I have lost sleep due to XXXX over the last 3 months I've been trying to get this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted Citi Bank in XXXX of XXXX  to inform them that this account was fraudulent and that they were violating me as a consumer to report such information to consumer reporting agencies. I noticed that they decided to close this account because I reported it was as fraudulent but on my credit report it states its charged off. It's fraudulent why would I give them permission to report such fraudulent information on my credit report when I have not given a signed document for this account. Please stop reporting such information on all CRA 's. Where is the 1099c so I can give it to the IRS as so as possible.

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