BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In brief, my deferment status for federal loans was wrongly changed and my loans were then due. Over the phone, XXXX assured me that this was resolved and the loan status was returned to deferment. With this false assurance, I let the payment due date pass by and XXXX is reporting me to all nationwide consumer reporting agencies. XXXX has been unresponsive to written requests and in a recent call, provided no assurance that credit reporting would cease. Below are relevant dates and actions. 

I have been enrolled in school - year-round, full-time - since XX/XX/XXXX. As of XX/XX/XXXX, I completed my coursework, yet am now still enrolled for enough supervision hours to be considered full-time. 

On XX/XX/XXXX, I received an email from XXXX stating that my school had notified XXXX that I was enrolled. 

On XX/XX/XXXX, I received an email from XXXX informing me that my loan repayment was to begin on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX to inquire why I was being billed even though my enrollment status had not changed. At the conclusion of the call, I was assured that the status of my loans were all going to be in deferment status and that no further action was required on my part. 

On XX/XX/XXXX, I received an email from XXXX informing me that my payment was past due. 

On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I contacted XXXX through their website form, which does not allow me to retain a record of the emails sent. However, I can paraphrase my request to XXXX : resume deferment status and cease credit reporting. 

On XX/XX/XXXX, I called XXXX. I was told to apply for deferment, a process which will be extended past the next loan repayment due date on account of the school registrar office being out for holidays. Additionally, there was no resolution regarding the credit reporting activities. 

To add insult to injury, I received an email informing me that my phone call had resolved the concerns stated in my emails and that my account status would be reported to each nationwide consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

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 2021-09-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Continuation of XXXX : Good afternoon CFPB, Continuation of the prior complaint. 

1. The current review by XXXX XXXX is insuffiencient. Mr. XXXX XXXX works for WF and I provided all the information to XXXX. He worked in the XXXX  XXXX office as a mortgage initiation office and was part of the team. The loan to value for the property was upside down, I tried to not close, discussed the matter with Mr XXXX. I was threatened with litigation by the XXXX  XXXX Team including Mr XXXX. The loan had no merit and put me in a uncomfortable position. The bank, Wells Fargo, was complicit and an active player in this freudulance process. 
2. The loan was reevaluated in 2017 a year after the judgement against WF and no mention was made to that judgement during a very arduous process with WF. As a feduciary, they have an obligation to their customers to disclose such items. That is fraudulent, and unethical.

3. Please explain why I received a check with an appology letter from Wells Fargo for their fraudulent activity regarding my loan. Please have WF provide a written document elaborating their fraudulent activity regarding the loan in question.

4. Please provide contact for legal representation with an appropraite legal office to deal with Wells Fargo. And the legal department at Wells Fargo to advance this issue professionally. 

Thank you, 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 2023-08-10
Company: EQUIFAX, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: MD
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:
This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased jewelry from XXXX 's XXXX in XX/XX/XXXX. The total amount I purchased was {$8000.00}. My promo plan was for 18 month no interest. I have always paid my bill on time and never missed a payment. XXXX of XXXX my promo plan had expired. I had just made a payment in XXXX of {$250.00} not realizing that promo plan was expiring. At that time my balance {$1200.00}. My balance on the account was {$1000.00} after my payment. Two days later I received notification that there was a large amount charged to my account. I contacted Comenity Bank and was told that I had been charged {$3000.00} of interest for not paying account in full I was charged interest in for the whole purchase of {$8000.00}. I explained to them that I was totally unware that the promo plan was ending. I just log on to the account and submit payment. I was told that if I looked at the bottom of the statement it would have told me. I asked if the could work with me to reduce some of the interest and they said no. I told them I would think about closing my account because they were not willing to work with me. A couple days letter I received a letter that they closed my account. 
I have made payment for XXXX. In XXXX I decided to pay off the account my balance was {$3900.00}. I payed two payments in XXXX ( XXXX ) {$250.00} ( XXXX ) $ XXXX which would have given me a - {$75.00}. I called in and spoke with a Rep and she said we would have a supervisor call you back to issue you a refund. A couple days letter I got a statement in the mail stating that I had a balance of {$15.00}. They had charged me {$90.00} in interest again. My account had a credit how could I be charged with interest again. I contacted Comenity several times and spoke with several reps and I was told that I owed that balance and there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TX
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$8500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: TX
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Its a XXXX on my consumer report which Equifax keep stating that XXXX is report it. XXXX does not have a XXXX  on my consumer report. Equifax keep refusing to remove this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I notified XXXX that there are unauthorized credit inquiries on my consumer report. XXXX only removed 1 of inquiries. The following inquiries that I reported are still on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank called my phone outside of approved hours. 
XXXX ( XXXX ) XXXX XXXX XX/XX/23

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 2023-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 am submitting a complaint to you once more to inform you again that I was the victim of identity theft. I have already filed a complaint at https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I asked, On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I said I can wait until the full {$500.00} payment, and I can wait until a {$200.00} payment can be officially made out. She responded, I cant deposit another check, and its already been made out. I then deposited the check and she requested the {$1800.00} sent back via Zelle. I then Zelled the money back and later found that a negative balance was in my account for the first time. Then learned after 7+ hours on the phone with XXXX XXXX  and a 4 hour phone hold, that Zelle can do nothing because Zelle has a zero-recovery ability for fraud. Meaning {$2000.00} was scammed from my account and my bank can do absolutely nothing to replace this. I have screenshots and proof of all the conversations, even though XXXX XXXX was able to delete many of the initial messages, including her initial message to me and all the details involving how she wanted the song made. What was left, however, was her Zelle requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an account from XXXX  XXXX XXXX that was closed in XXXX. XXXX  XXXX XXXX does not have me on their files. This information continues to show on my Equifax credit report. When I call their dispute center they claim that they can not read the dispute results that they themselves have sent to me. 
The account shows that it was in good standing and closed in XX/XX/XXXX, however it shows that there were three late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is impossible because the account was closed in XXXX. The customer service that works in the dispute center refuses to help and they claim that they do not have access to my dispute information. If the dispute center does not have access to my dispute information then who does? How come they will not help me when the numbers clearly indicate an error?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Account information incorrect

Complaint:
On the last credit report I got from Experian it states that an account that I allegedly had with XXXX  XXXX XXXX went into a charged off status in XXXX XXXX and this is false.

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 2023-08-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n 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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Law Office of Brett M. Borland, P.C.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection was added to my credit report of a value was supposed to owe I disputed it several times with the credit bureaus and the debt kept coming back verified so I sent a despite letter to to company that Bought the alleged debt from the leasing company I'm supposed to owe and asked for the original contract, why the account is reporting that the account was opened on 2 different dates, the date last active has 3 different dates and no payment history has been reported they only document that was received was a account that I'm supposed to owe with none of the above items that was requested

Company response to consumer: In progress
Consumer complaint received 2023-10-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ally financial is not legally obligated to report to credit bureaus and is threatening to do so in order to receive a debt collection. According to 15 U.S. Code 1692e section ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
Also In accordance with the Fair Credit Reporting Act, ALLY FINANCIAL, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer 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 2023-07-24
Company: Affirm Holdings, Inc
State: TX
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:
In XXXX, I noticed a late payment had been inaccurately reported to XXXX by Affirm Financing. I sent a formal letter to Affirm Financing and XXXX explaining the error on my credit report and included supporting documentation as exhibits including original purchase confirmation email, original payment receipt, and the additional payment receipt, bank statements, and transactional detail. Affirm did not respond to my letter and XXXX failed to perform a reasonable investigation. On XX/XX/2023, I sent a second notice to XXXX 's legal department and nothing was provided in writing as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: LAND HOME FINANCIAL SERVICES
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Total Loss Proceeds in the amount of {$45000.00} from an insurance claim were sent to the mortgage provider, Land Home Financial Services ( LHF ), on XX/XX/23 for endorsement and return in order to complete repairs. All protocols provided by LHF were followed including providing repair quotes, invoices for work previously paid, photos/scheduling with LHF authorized auditor, etc. No responses were received from LHF point of contact until a complaint with the XXXX XXXX XXXX was issued. {$40000.00} of the loss proceeds was finally received on XX/XX/23. The balance of {$5900.00} remains in LHF 's possession with no ETA. Again, all LHF protocols have been followed and a final demand email was sent to LHF on XX/XX/23 with a delivery deadline of XX/XX/23. To date, no response nor funds have been received.

Company response to consumer: In progress