BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-20
Company: AES/PHEAA
State: FL
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:
Hello After speaking with a representative from my loan servicing department to recertify for the Income Driven Repayment Plan process I decided to poke around in my online account with Federal Student Aid. On my dashboard to the left I decided to just look at who my loan servicers were and come to find out it shows that loans were disbursed by four different colleges when I have only attended two in the past. Those two colleges are XXXX XXXX and XXXX XXXX XXXX. The other two colleges that I never attended that equals to the four are XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

On the other hand the four loan servicing companies that are on my dashboard are American Education Services ( AES ), XXXX, Dept of EdXXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). The only two servicing companies I have been in contact with is American Education Services and XXXX. However I haven't really been receiving any emails or updates from XXXX as well either. So literally the only loan servicing company I have been in contact with is American Education Services. 

I immediately called American Education Services back to find out how I can deal with this scary situation because I have been through identity theft before when it comes to my filing my taxes. With that situation on my taxes I had to go through an investigation before I can even receive my tax return refund which was overbearing and stressful as a single parent. 

I contacted the financial aid department for XXXX XXXX to verify if any loans were disbursed and if so to please send all the information required on any loan disbursements. I spoke with XXXX XXXX in the Financial Aid office at XXXX XXXX and was advised that everything was cancelled on XX/XX/2005 and no loans were disbursed. I also contacted the financial aid office for the XXXX XXXX XXXX XXXX but for some reason its hard to get in contact with them and your on hold for a very long time. 

For my online account with Federal Student Loan it shows that I have three different types of loans. 

1. ( 2 ) Consolidation Loans : {$25000.00} ( Income Base Driven Repayment Plan Completed On same submission date for this dispute XXXX ) 2. ( 8 ) Subsidized Loans : {$9200.00} - ( this is the only total amount showing on my credit with XXXX XXXX ) 3. ( 2 ) Unsubsidized Loans : {$0.00} 4. Total Balance : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: KEYCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently moved from XXXX to XXXX Part of that process involved closing my KeyBank account. 

I called KeyBank on XX/XX/XXXX to try to have my account closed. I had a positive balance at that time. 

The KeyBank representative refused to close my account. They said that because I had moved, they were unable to close the account. My understanding of the law is that if I have a positive balance and no ongoing obligations ( ie, loan servicing ) tied to the account, that I am allowed to close out a bank account any time for any reason at my sole discretion. Furthermore, it is ridiculous that moving would prevent the closure of an account. Moving is probably the most common reason to close an account for the majority of consumers. 

I believe they are following a policy like this to aggregate overcharge payments from people that are making a move. Basically, a certain number of people are going to end up with charges from forgetting to move this or that to the new account, and if KeyBank keeps their accounts open, they can then charge overdraft fees on these erroneous charges. Do this a few million times and that is some real money, but it is predatory and I believe it is illegal. An account in good standing should be closed in timely fashion when the customer requests it. The bank has no inherent and unilateral right to a relationship with me as a consumer. 

Several weeks passed, and XXXX erroneously charged my old card number tied to KeyBank instead of the new card tied to my new XXXX account. This placed my KeyBank account {$35.00} in the negative. In the meanwhile, KeyBank also charged me {$7.00} " maintenance fee '' and a {$3.00} " paper statement '' fee. 

Now they are demanding an overdraft fee in addition to the money they are charging me to " maintain '' and report on an account I do not want and have requested they close. 

I offered to pay the balance. They told me I could pay by card over the phone to avoid the late fee. They then transferred me and the new person told me that I would have to subscribe to something called XXXX to make the payment and they could not take the payment over the phone. This is a " Tie-In '' antitrust violation. They also admitted that I would still get charged the overdraft fee because the money wouldn't transfer fast enough. 

People are tired of the greed and they are tired of the scams. They think they can XXXX a million people out of small amounts and get away with what is in aggregate a very large and very crooked haul. 

Please help me close my account with these dishonest scoundrels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I initially called AmeriHome Mortgage Company in XX/XX/XXXX to inquire about how to submit proof of homeowner 's insurance and make a payment. At that time I found out the company no longer had my Homestead Exemption on file. This began the process of back and forth conversations which has led to my complaint today. I was able to confirm with XXXX XXXX that my Homestead Exemption paperwork was sent to XXXX in XXXX. I was able to resend the verification letter from XXXX XXXX to XXXX and confirmed they received it on XX/XX/XXXX, when I spoke with a rep on XX/XX/XXXX. However, I saw on the Amerihome website that an escrow analysis was ran and starting in XX/XX/XXXX, my mortgage amount was set to increase to {$1500.00} ( it is currently {$1400.00} ), The rep from Amerihome said to call back the following week, and by that time they should have my account updated, with the Homestead Exemption being accounted for. Rep also said a new escrow analysis would be ran showing the correct mortgage amount, which should be less than {$1400.00} or it would be the same. I called back the next week and no changes had been made, and the Homestead Exemption had not been updated on the records to reflect my mortgage payment amount. I requested to speak with a supervisor after reaching a rep name XXXX and she transferred me back into their call que. I called back and spoke with another rep named XXXX and she said she'd take my info and have a supervisor call me back. No one ever called me back. I called today and explained the situation to rep XXXX and asked for the names of management in the company. She said she couldn't provide last names and initially didn't want to give me anyone 's name but said XXXX was her supervisor. I asked for the person over their department and she said XXXX. I again asked for a supervisor, and XXXX also dropped my call back into their call que. I again called back and reached XXXX, who said there was a " work order '' to have another escrow analysis for my loan, but it wasn't going to be processed until XX/XX/XXXX. She confirmed the Homestead Exemption paperwork had been previously received, and she acknowledged that Amerihome had mailed me a statement showing my mortgage amount would be increasing, even though they now had proof of my Homestead exemption. She also acknowledged when I stated I had paid {$3000.00} to put into my escrow account to repay my homeowner 's insurance amount and an additional {$360.00} but they couldn't tell me why my mortgage was showing on their website as {$1500.00} starting XX/XX/XXXX. I told her that I would be filling a complaint because Amerihome is refusing to process my Homestead Exemption. I have paid taxes each year since closing on my home in XXXX, even though I should have Homestead exemption. My mortgage amount has increased each year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX  customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2021-04-06
Company: EQUIFAX, INC.
State: MS
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-07-23
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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FO XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On yesterday I received another harassing call from Wells Fargo after them already knowing the fact that theyre to only contact the third party involved thats on record. And then as youll see in the attachments they already received the documents for the mortgage assistance application back on XXXX. However now theyre lying once again and claiming that they never got it. This is my last result with this and if this lying and harassment continues then possible legal action maybe taken. Sadly Wells Fargo has been sued by various cities including XXXX Pa for their lying and fraudulent activities and theres been constant complaints about their racism towards minorities in which I happen to be. Amazingly theres been mostly white veterans who receives the free mortgage homes from Wells Fargo. And less minorities and its pathetic on how their Customer Service Represenatives lie claiming that theyre part of some XXXX XXXX but in reality theyre just contained to a small cubicle. Finally after countless times they continues to send letters here in the name of XXXX XXXX to whom has defrauded them with forging my signature on the Mortgage Documents in 2006 and this has been brought to their attention countless times and even a hand writing expert confirmed that this was not my signature at all. Then Wells Fargo claims that no fraud was committed when XXXX XXXX forged my signature on the XXXX XXXX in 2006 and sadly this is why XXXX constantly lying about submitting both sides of the check in which a Judicial Ruling may have to take place if they dont stop their constant lies. XXXX XXXX currently physically XXXX and also feels as though XXXX being discriminated against. So where are the rights for the XXXX Wells Fargo? Make note that XXXX XXXX XXXX who was the assigned attorney who has since been fired by yours truly because he lied to me claiming that he did not have a Bank Account with Wells Fargo and only after the real civil rights investigation he actually did and Wells Fargo knew it and they both were trying to work against me. 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 2022-04-20
Company: Experian Information Solutions Inc.
State: IN
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:
In XX/XX/XXXX I noticed a balance on my credit report of {$1900.00} on an account with XXXX that I did not recognize. I called XXXX to notify them of the false account. The representative on the phone refused to acknowledge the existence of the account, and a few days later I received a piece of mail stating they were refusing to remove the account. I then notified the 3 credit reporting agencies who performed their own investigations. XXXX removed the account, but XXXX and Experian denied the fraud claim and kept the account on my report. I submitted a dispute against the denials and awaited a reinvestigation. When I realized the reinvestigation was going nowhere, in XXXX of XXXX I sent a letter to XXXX again asking for the account to be removed as well as any and all documentation relating to the fraudulent account pursuant to my rights laid out in the FCRA. In response, XXXX mailed me the same generic letter they sent me in XXXX denying my request to remove the account, and did not send any explanation or the documentation I asked for. The account is now holding a {$7900.00} balance.

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 2022-04-20
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were supposed to close on our home on XX/XX/XXXX with Rocket Mortgage. The closing was delayed. Our rate was locked until XX/XX/XXXX. We called Rocket Mortgage to extend our rate lock. Rocket Mortgage stated that the rate was locked for 90 days. Unfortunately, we did not follow up for the paperwork. We came to find out that they did not lock the rate ( closing after 69 days ) and we have to pay a full percentage point more. At no point in time were we notified that the rate lock was expiring. The agent we are working with denies making any claim that the rate lock was extended. Either the agent was negligent in performing her duties, or provided misinformation to us. Regardless, their business practices are unethical and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I CONTACTED THE SERVICER OF THIS LOAN THE MOMENT MY INCOME INCREASED. I WAS TOLD THAT I NEEDED TO PROVIDE PROOF OF THE INCOME AND TO RESUBMIT WHEN I HAVE THE INCOME, WHICH I DID. NOW I AM BEING TOLD THAT THE SALE DATE IS TOO CLOSE TO REVIEW MY MORTGAGE LOAN FOR MORTGAGE ASSISTANCE. I EXPRESSED THIS MONTHS AGO, XXXX OF LAST YEAR TO BE EXACT. NOW I HAVE PROOF OF MY INCREASED INCOME AND NOW I AM GOING TO BE FORECLOSED ON WITHOUT A REVIEW OF MY MORTGAGE ASSISTANCE REQUEST WITH MY NEW INCOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-04-20
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation