BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
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:
My name is 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. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
Hi There, I have a complaint against the credit bureaus. They are not doing thier job and it is frustrating as I have been disputing inaccurate information on my credit report for almost a year now. I have sent numerous letters outlining my findings after reviewing my credit report, I ask them to update or delete the incorrect information but it yields me no response or results. This is dramatically affecting my credit and I solely wish to have my credit accurate and updated. They also have numerous versions of my name. I have requested them to update my personal information for months and not a single change has occurred. 

There are inconsistencies in many accounts across the bureaus. Some examples of this is what I am including on what I was disputing in one of my most recent letters. 
XXXX - XXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status inconsistent accross the bureaus, Date Closed missing or inaccurate, last activity inconsistent. - This is completely inaccurate. Please remove and update my credit report. 
XXXX XXXX XXXXXXXX - XXXX - Why is this still reporting illegally with numerous charge off dates. Please refer to FCRA Section 623 regarding the way charge offs must report. - Please verify and validate that this account belongs to me. Why is this still showing on my credit report? Due to this HUGELY negatively impacting actions from the furnishers. This Account must Immediately be deleted as the account has been reflecting INCORRECT for numerous months and hurting my credit. 

XXXX XXXX XXXX XXXX XXXXXXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status is inconsistent across the bureaus, Account type is also inconsistent, Balance, last activity are inconsistent and even the original creditor is inconsistent. - This is WAY too many inaccuracies on one account. This is illegal reporting. 

XXXX XXXX XXXX - XXXX - I want to request full documentation of this debt proving its connection to me as well as a copy of the statute of limitation to pursue this debt.

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 2023-02-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away the house was transferred to me I made payment to Wells Fargo and kept trying months went on for almost a year before they would even allow me access to the account to make payments. They rarely returned my calls, and when I called I sat on hold sometimes up to 45 min! I fell behind on the payments I was asked to make payment for a trial period to catch up but I was given 3 months to do it but I still had no information from Wells Fargo on assuming the loan or where to make payments they kept telling me that my representative was on vacation well long story short I LOST my fathers home my inheritance and my childhood home to foreclosure! I had tried several times a day to talk to them they never returned my calls or emails and I sat on hold for hours!,, they now have my home listed for a large amount of money AND they are listing FALSE details regarding the home such as square footage bedrooms etc can someone Please help me I have a entire folder of a years worth of information and dates and documents that I am more than willing to hand over and share to show Wells Fargo is dishonest and does very shady business they ripped me off and basically stole my home!,,,

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 2021-08-27
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called ERC debt collection and paid in full the debt owed in the amount of {$540.00} in which I had to fight them for a receipt. Then when they sent me a letter confirming that they were going to do a goodwill deletion letter the debt they was dragging their feet on it. Once I filed a complaint with this organization. To reiterate against me I just received another letter from ERC now claiming that I owe an additional {$96.00} which I do not the amount in which I paid was {$540.00} to pay the debt in full with a goodwill deletion and now they are demanding additional payment in which I am disputing and what to bring there unfair debt collection practices to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account has been delinquent for 90-120 days. I was working with them to make arrangements on my account - between Kohls collections department, an outside collections agency, and customer service in the XXXX I have no idea who was helping me when because nobody ever identified where I was actually calling, I was constantly rerouted all over the world. I spoke with a woman several times to try and negotiate a settlement, in our last conversation she recommended that I bring the account current and stated it would get the account out of collections, and Kohls would remove the late fees they charged on the account. I ended up making the payment on XX/XX/XXXX to bring the account current - and so far Kohl 's hasn't removed any of the late fees. I spoke with three people ( maybe in the XXXX? ) ... two people on XX/XX/XXXX and one person on XX/XX/XXXX. All of them said that it would be updated to the credit bureaus, all of them gave me different dates in which that would happen. The last person I spoke with on XX/XX/XXXX said that the credit bureaus were updated as of XX/XX/XXXX, and it's up to them how quickly they update my report and I would have to call them. So I called XXXX XXXX and asked why it hasn't been updated and they said that Kohls has not updated the bureaus and I would have to call them to get them to update the bureau. So I called Kohls AGAIN today XX/XX/XXXX - I talked to a woman for 1 minute and quickly requested a supervisor - she put me on hold for 8 minutes, I could hear her typing and talking in the background and I kept saying " hello '' and she wouldn't respond. I hung up and called back. Another woman answered, I explained the situation to her and how I was waiting on hold for almost 10 minutes. She gave me so many different reasons as to why the bureaus haven't been updated and when they would be updated and how they would be updated, contradicting herself with every sentence. 30 minutes into the phone call I learned that I was talking to Kohls customer service in the XXXX! She then transferred me to Kohls collection department where I spoke with a guy about the status of my account. He confirmed the account is current and couldn't tell me if it's been updated on the bureau yet or when exactly it would be updated, just that they " update sometime each month ''. I also asked why the late fees haven't been removed yet, he said that he doesn't know why and doesn't see that was offered in the notes - so I requested he go back and listen to the recordings because it was offered and I did pay the past due so the late fees need to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I recently received forgiveness of my student loans through PSLF. My loans should have been forgiven years ago. When I consolidated in XXXX, it was a person over the phone who consolidated over 20 loans. I expected my loans to be forgiven after I met my obligation and was told I did not consolidate correctly. The government did my consolidation ( over the phone- before you could go online to do it yourself ). So, I was a candidate for XXXX. After a fair amount of difficulty, I finally got the letter last week indicating forgiveness. Yay! After all of these years as a public servant. 

The problem is I overpaid by 32 payments and they will not refund my overpayments once again because of rules they made up. So some people will get it all back, others none. Also, I paid {$2000.00} through the XXXX until XX/XX/XXXX when I launched this application and realized it was likely to go through this time. I expected I would get the money back through XXXX. I reached out to their servicer, Mohela, today. They will no longer consider giving me my money back now because they have XXXX my loans. Whereas before they XXXX my loans, they " may '' have returned it ( I paid from XXXX XXXX XXXX so yeah, entitled to a refund ). 

Every step of the way, this has been a dishonest, difficult process lacking in transparency. Seems pretty clear to me. XXXX payments. Refund people. Stop the madnessXXXX XXXX  was signed into law. Pay people back who paid through that period. 
I am actively pursuing legal support at this point. It's not okay, and it needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Friday XXXX XXXX, 2022, I reviewed my credit report with Equifax Credit Bureau and discovered a HARD credit inquiry on my regarding my XXXX, XXXX XXXX account . I spoke with XXXX XXXX customer service and apparently someone logged in ONLINE and created a hard inquiry on my report. This has been reported as FRAUD on the account. However, I want the HARD Inquiry removed immediately as I am in the process of buying a home and this negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX  in the amount of {$510.00} don't belong to me please remove from my 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 2023-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2022-05-31
Company: Avant Holding Company, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Card was mailed on XX/XX/2022. As of XX/XX/2022, I had not received card. I called and spoke with a rep who advised of a reissue. It is now XX/XX/XXXX, and I have still not received a replacement card. I now have a statement with a {$39.00} fee due, that they will not waive, although I have no active account. Only resolution I am receiving is to be issued another card with a 10-15 day wait. I am being told the reissue can not be expedited. This is absolutely unacceptable and a poor way to begin business with the organization. How am I responsible for paying fees on a card that I have never received nor activated? I feel like I am being scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX I contacted the XXXX  to request an amortization schedule for my student loan. They refused to comply with my request. They claimed due to uncertainty over the plan, they could not provide such a schedule, even though they had the end date of the loan and monthly payment schedule listed. As the borrower I have a right to know any and all information about my loan including a standard amortization schedule which lays out the principle versus interest in the loan. XXXX  servicer, XXXX ( no last name given, as is standard for this shady company ) ID # XXXX claimed it is company policy not to provide such information, and yet could point to no written company policy at all. In fact, in the course of our conversation he discovered what he saw as contradictory information given to me by the last agent on XX/XX/XXXX, who said that if we left the Revised Income Pay-as-you-Earn plan we could in fact get a amortization plan. He said it was impossible to get one. Period. This is unacceptable. This is my information. I deserve to see all of it. I can not be a responsible borrower without having full knowledge of the plan. This is not how Free Markets or Capitalism is supposed to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/2023, a client of mine paid me {$800.00} for a rental vehicle that they were going to rent for 25 days. Shortly after receiving payment, Square Inc. e-mails me that they suspended my account because they suspect the payment made to me to be fraud. This is not my problem, this should be the responsibility of Square Inc. to ensure transactions that are made on their platform are not fraud. I am not the one charging all the fees to process payments, they are. As also clearly shown in the attached documents, the last name of the only transactions I have on my account are identical. Anyways, they asked me to provide information to get my account active again. As inconvenient as it was, I obliged and sent documents containing my bank account information, my LLC paperwork, screenshots of messages and transactions done between me and my client. The next day, XX/XX/2023, they request more information as the information I provided was not " sufficient ''. My responses to the second email have not changed, as there is not more information that I can provide. I suspect that they will deactivate my account, like they have done with countless other small businesses, and withhold my funds indefinitely without any proof of fraud or basis to do so. I am asking that you can assist me in retrieving my rightfully earned funds that is essential to make sure my business functions. It is unethical that a company holds funds without a legal right to do so and without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: MO
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 am submitting this CFPB Complaint to request an investigation and correction of the following accounts on my credit file, as mandated by the Fair Credit Reporting Act. Firstly, with regard to XXXX XXXX, the balance owed is reported as past due despite the account being closed with a XXXX balance. This indicates inadequate record keeping, and I urge you to correct this immediately. Please provide evidence to support that no false information has been reported, or remove it from my credit file. Secondly, the item reported under XXXX XXXX is inaccurate, as the account is closed with a XXXX balance, yet it is reported as past due. This is concerning and could negatively impact my creditworthiness. I request that you rectify this error without delay. Please provide proof that you have not reported false information, or remove it from my credit file. Lastly, with regards to XXXX XXXX, the account history and payment status are inaccurate. A charge-off should reflect a XXXX balance, and this misinformation is damaging to my credit. Please provide proof of the last payment made, or remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: KY
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I am in desperate need of this item to be REPAIRED or CORRECTED. 

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 2023-11-16
Company: EQUIFAX, INC.
State: CA
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 recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 


XXXXXXXX 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