BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  XXXX Account name : XXXX {$1300.00}, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-03
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This astoundingly inept and unethical company which I never consented to working with has been the bane of my existence since they bought my loans. My credit is a dumpster fire because they reported me behind twice, 3 times each ( 1 mark for each loan ) for a total of 6 negative marks on my credit for delinquency. I am not disputing this as illegal, but its garbage customer service and a shining example of why student loans in the XXXX are such a problem. 

But thats not why Im complaining today. After the second go round with them destroying my credit, I signed up for auto pay. Then today I get an email saying I am 11 days behind. Nevermind the fact that I got misleading info on the recording when I called ( XXXX violation which could lead a customer to believe they had an extra day to pay before negative credit reporting ) which said I was 10 days behind, the rude customer service agent said I never applied for auto pay. Then when I asked for a payoff quote he just told me the amount, I had to ask for him to send it in writing. I am 100 % sure I signed up for auto pay to avoid this credit reporting fiasco, if their system didnt record it then yet again another XXXX. Of course I didnt pay, I assumed the auto debit was set. 

I am so angry and frustrated. This company and the XXXX poor customer service I receive every single time I call is absurd. The CFPB needs to get into their shop and start writing consent orders yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was reported 2 separate times with all three credit bureaus. The creditors response is that they can not verify this debt and that it would be deleted from each bureau, however it is listed twice and still appearing as the same debt from IC system I would like this additional and identical debt deleted as well as the debt can not be verified as mine.The account number for each of the collections are as follows 1. XXXX 2. XXXX Original CFPB complaint number is 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 2022-12-01
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:
On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is an Auto loan on my credit that is worth over XXXX dollars that is not mine.

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 2022-11-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage is in arrears in the amount of {$6400.00} as of XX/XX/2022. Applied for a FHA partial claim through Wells Fargo to bring the account current and continue his regular mortgage payments. 
Current terms are as listed below : APR : 2.875 % Term Maturity Date : XXXX/XXXX  Current monthly payment : {$860.00} According to Wells Fargo, FHA Partial Claim was denied, because there wasnt enough. The representative could not explain why there was not enough to cover an FHA Partial Claim. 
Wells Fargo cited that the investor approved a modification plan with the below terms. 
APR : 6.875 % Term Maturity Date : XXXX/XXXX/XXXX  New Proposed Monthly : {$1100.00} While the modification did offer to bring his FHA loan current, it increases principal and interest from {$450.00}, to {$780.00}. 
To some that doesnt seem like much. But to a 1 earner household income with a family of four, it creates an even harder struggle for my family. 

We need to re-evaluate how interest rates on modifications are handled. They should be offered the same rate as the original, extending the term and keeping the payments slightly more affordable for struggling low to moderate income households. 

So, now the bank can offer a modification that increases payment by {$330.00} a month adding almost two years to current term. So that is now 30 years of making an additional {$330.00} a month that I wasnt making before. 

We are kindly requesting that the Consumer Financial Protection Bureau look into this matter and assist.

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 2023-02-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is 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 explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them in my file immediately. 
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 2022-11-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. XXXX, XXXX, and Experian have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer - 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 2022-03-09
Company: Experian Information Solutions 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:
Good Afternoon I applied for a credit card with XXXX and was denied so I called for reconsideration as I have a long standing banking relationship with XXXX. After talking to a representative, I was approved for a card but was hit with an unnecessary hard inquiry as an initial one was already done when I first applied for the card. 

I am seeking to have one of the inquiries removed. 

Thank 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 2021-07-17
Company: GOLDMAN SACHS BANK USA
State: AK
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:
XX/XX/2020 I ordered a wireless adapter from XXXX The vendor for the adapter was shady about shipping notifications and I have a huge email chain with them trying to cancel my order or locate the device they claim to have shipped to me. I never received the device I ordered. After several months of trying to work with the vendor I opened a dispute with Goldman Sachs for my Apple Card which I used to make the purchase. 

I have opened multiple disputes with GS citing never receiving my item and the company claiming I DID receive it. I did not. 

The last dispute that I can find record of was on XX/XX/2020. This dispute was also denied. I have disputed multiple times and gotten nowhere with GS. 

The vendors name on my transaction history is XXXX  My transaction : XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX XXXX XXXX my checking account was used without my knowledge to make unauthorized fraudulent charges. These were in various similar amounts all around XXXX XXXX each. I called immediately and filed a claim. I was out of town and my phone was missing/not in my possession during this time and I believe that's how the fraudulent charges were made. This was described by me to CapitalOne. The representative failed to note one of the charges in the claim even though I mentioned them all. I had to call back later once I discovered this to correct their error. I provided all documentation requested. Months later I get a decision saying that about half the charges were approved, and half were denied. This made no sense to me as they were all similar amounts from the same vendor during the same time period. These should all be approved or denied equally! If one is fraudulent, they all are! 

Seeing as this made no sense, I requested documentation used to make their decision. They provided me documentation that said since 1 charge wasn't claimed fraudulent, that some of the charges were considered legit ( the 1 charge that the capital one representative failed to note which I had to call back and correct!!! ) This was an error on capitalone! I still have not received my money for these fraudulent charges. I was assured multiple times by multiple agents that I would get this money back. I have provided all documentation requested. THEY MADE AN ERROR, AND I WAS PUNISHED FOR IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a credit card, which pulled my credit report. Then Amerisave cold called me because my credit was pulled. I asked them what their rates were and any points for pay down of rate. The guy said he needs to do a formal loan estimate for it to be legit, but he would not pull my credit since he could use the one the credit card company pulled. I informed him I only wanted to rate and costs, no credit should be pulled since I did not want to proceed if the rates were bad or costs were high. 

The next day I found out my credit had been hard pulled. This guy totally lied during the entire call. I've worked with dozens of loan brokers and this guy kept lying and using my information and did not have authorization to use my info to a loan app.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX ran my credit report through Experian. I have a credit report lock and no one at Experian called to authorize running a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account XXXX is still showing on my credit even when this company has already proven that the information they have is not my information so this is NOT my account but they still have not deleted it from my credit, and it was obvious this company do not have my birthdate, nor my Social Security Number so the account they are claiming to be mine isn't mine, but they continue to leave this on 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 explanation
Consumer complaint received 2023-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I started seeing inquiries on my credit report that I dont recall making

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: WorldRemit Corp.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I created a transaction for {$830.00} USD which was supposed to be ( per their disclosure on their website when creating the transaction ) available " within minutes ''. The transaction was held and held and held until I had to call on XX/XX/XXXX to resolve the issue which they claimed at first was because the local bank needed to verify my identity ( being a bank in the XXXX, why would they require the sender in the XXXX to verify their identity, and why would WorldRemit be the one to verify the information? I once again attempted to send money via WorldRemit on XX/XX/XXXX in the amount of {$460.00} USD. After multiple phone calls and many back and forths, my family member finally received the money on XX/XX/XXXX. This with WorldRemit claiming it was the local partner, then that it was a bug in their system, then that it was the local partner again, then that their support team was taking a look at the issue. Then on XX/XX/XXXX, I created another transaction in the amount of {$460.00} USD again, to the same recipient as the previous transactions and after multiple calls and backs and forths again with the same XXXX  of its the local banks fault, then that its their system that has a bug, then that they needed to verify my identity ( on XXXX different calls they needed to verify my identity then promised the money would be released within XXXX hours ) only for me to finally cancel the transaction XXXX days later on XX/XX/XXXX and do the transaction with XXXX XXXX which went through immediately. Now, me being the forgiving and loyal-to-a-company kind, decided I'd give WorldRemit another chance this month and created a transaction on XX/XX/XXXX in the amount of {$1100.00} USD. It is now close to midnight on the XXXX of XXXX, and wouldn't you know it - my recipient still doesn't have the money I sent, and on WorldRemits website it's stuck at " Local partner processing transfer '' which I'm assuming is the same XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to obtain a short sale approval on the property. Buyer and seller have been under contract since XXXX of XXXX. Every document required by the XXXX XXXX XXXX has ben provided on numerous occasions. The Short Sale was first initiated in XXXX of XXXX and everything needed was complied with. Again in XX/XX/XXXX the short sale was again reinitiated. It took the servicer over 60 days once the file was deemed complete and the XXXX  Insurer required another valuation. When the second valuation was completed the buyer agreed to new higher sales price and all documents were submitted multiple times with last time on XX/XX/XXXX. On XX/XX/XXXX the XXXX insurer countered again as they needed some fees removed that had been on the HUD the entire time since XXXX of XXXX. Once again the buyer agreed to the fees being removed and accepted their counter and all documentation was sent again for the 4th time on XX/XX/XXXX. We were told that a decision would be made in 30 days. It is now day 42 from this 4th submission and nothing. Only response provided by SPS escalation team is they are waiting on the MI insurer to issue the approval letter. The homeowner, a veteran who served our country for many years has been super inconvenience and is extremely frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter to XXXX court XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX asking them to send me information on this bankruptcy. That was filed on XX/XX/XXXX and if they reported this information to the credit bureaus. I never received a response even though i sent a self addressed certified envelope along with the request letter. So on XX/XX/XXXX I sent 609 letters to each credit bureau by certified letter. Asking them to look into this bankruptcy, I received a response from Experian. By email stating they verified the account but didn't provide me any proof of how they verified this information.

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