BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I completed XX/XX/XXXX school but due to unforeseen health issues was unable to obtain a XX/XX/XXXX. I have two private student loans. My income is not what it would be if I could XXXX XXXX  so the terms and payment plans available to me are not feasible. The student loan servicing company is AES. 

I have applied and been approved for a home mortgage but the terms of my student loans will not work for the underwriter because it makes my debt to income too high. AES only has three repayment options available to me but none of them are affordable. On three occasions they have given me a name of the lender and encouraged me to contact them to see if another option is available to me. They gave me the names XXXX  and XXXX as the name/s of my lender but will not provide me with any contact information. My search for XXXX  and XXXX leads me nowhere. 

I have no idea who my lender is or how to contact them to work out a more reasonable payment plan. Perhaps important to note is that my loans were for a XXXXXX/XX/XXXX school where we were guaranteed to do well on XX/XX/XXXX and get into XX/XX/XXXX I had three loans initially which have been shuffled around - one of which was sent to a collections agency but I was never given sufficient information as to why. I believe it defaulted but it was never explained to me why and options were not provided to prevent this from happening. I have been paying {$300.00} per month to the collections agency for several years now - but three or four months ago the {$300.00} stopped coming out of my account but I didn't notice until recently and the collections agency didn't reach out to me via phone until recently - no email, no regular mail. My phone blocks what it considers to be robocalls or spam calls so I have received only a few voicemails from them. 

So my complaint - I have no way of working out a more reasonable payment plan which is needed given my income as a non-practicingXX/XX/XXXX ; I have no information about who the actual lender is ; my mortgage is on hold and may lose the house if we can't close on time. We are first time home buyers - only trying to buy a house that is sufficient for our family - modest home. Also important to note is the terrible inconsistency in information given to me by AES as seen in the attached documents. My mortgage lender can not make any sense out of what has been provided and neither can I. 

In case you are wondering what health issues prevented me from getting into XX/XX/XXXX and being able to practice as aXX/XX/XXXX - a XX/XX/XXXX XXXX on my XXXX resulting in removal of the XXXX and XXXX. Severe XXXX that led to the discovery of the XXXX. A showering of XXXX XXXX in both of my XXXX. Both nearly killed me and both required an extensive period of time for recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: WELLS FARGO & COMPANY
State: IN
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo Dealer Services regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. Wells Fargo Dealer Services has responded, asserting that the information is verified and accurate. However, my XXXX  credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : Wells Fargo Dealer Services Discrepancies : Account Rating : Wells Fargo Dealer Services has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX XXXX and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my XXXX credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my credit history. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my creditworthiness is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with Wells Fargo Dealer Services, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel Wells Fargo Dealer Services to correct the inaccuracies in my credit report. I also request that XXXX  adverse effects on my XXXX XXXX resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting practices.

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 2023-01-11
Company: EQUIFAX, INC.
State: DE
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  DE XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The account below showing on my consumer report is not valid, I am requesting that these accounts be removed asap. I did not provide written permission or instructions for my identification to be reported to my consumer report. I am requesting that the reporting of this information be block and removed, My request to be is not being made in error nor is my request to block being made on a material of a misrepresentation of fact by me relevant to the request to block related to any transaction by me as a consumer. I never signed a XXXX form or XXXX giving permission to use my SSN, I have attached all verifible government documents to prove my identity and am hopeful the company will do the right thing and remove these accounts and inquires within 4 days from my consumer 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 I included ID, SSN, Affidavait and LETTER ATTACHED

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 2023-09-14
Company: Diverse Funding Associates LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sent 3 emails to my daughter about a debt they want to collect and gave her all information about the debt including original creditor, debt amount, etc. This is an explicit FDCPA violation. The email address was created BY MY DAUGHTER several years after the debt was incurred, was never associated with the account and she lives in a different home than I do and has for 4 years. 

If they are sending to her then I don't know who else they are sending this same information to in a blanket attempt to collect an old debt they purchased from the original creditor. CFPB should request this information and take further action based on who else they contacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CITIBANK, N.A.
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:
Hello, I am having issues with fraudulent activity with my credit. I believe that someone with tried to run my credit with four different companies. The companies are Citi Bank, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have contacted these companies and they do not have anything on their records indicating that my credit was ran and informed me that there is nothing they can do about it. Citi bank was the only company that said they will send an email to Equifax stating that I did not give them permission to run my credit but Equifax says they never received anything.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$510.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
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:
In XXXX of 2021, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I previously filed a complaint against XXXX  because I have been trying to access my assets for 4 months and can not get to them. I have complied with their requests to validate my account, 4 TIMES, and the issue has never been fixed. 

My previous complaint number is XXXX. The response from XXXX is a lie. My password is fine and I can get into my account and see my balance but I can not get into the individual assets to sell them. I am concerned that they are not solvent and that is why they are blocking me from accessing my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: OH
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 multiple 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for an Income-Driven Repayment ( IDR ) Plan before the resumption of federal student loan payments. My requested plan was the XXXX XXXX XXXX. I applied as a new applicant. I applied more than XXXX weeks before the resumption of student loan payments. The MOHELA portal confirms receipt of the relevant documentation on XX/XX/XXXX. However, MOHELA continues to list the status of my repayment plan application as " processing '' and has not adjusted my student loan payments accordingly. I have telephoned multiple times and can not reach anyone at MOHELA. When I have requested call back, I have received no call back. My student loan payments are too high for me to make, which is why I applied for the XXXX XXXX XXXX. I am requesting the completion of my application to the XXXX XXXX XXXX and correction/adjustment of all bills issued since the resumption of student loan payments to align with the terms of the XXXX XXXX XXXX that I applied to before resumption of federal student loan payments. I am trying to be financially responsible, make all my payments, and keep my account current. I am continuously sent incorrect bills that do not reflect my timely application to the XXXX XXXX XXXX. Today is XX/XX/XXXX which means MOHELA has been " processing '' my XXXX XXXX XXXX application for 85 days. This timeline is not acceptable per MOHELAs obligations to XXXX XXXX XXXX and my rights as a borrower. I applied for a temporary hardship forbearance on XX/XX/XXXX when it became apparent that processing delays at MOHELA could extend into XXXX and thus result in incorrect bills for me upon resumption of federal student loan payments. I did so in order to keep my account current and give MOHELA additional time to process the application to the XXXX XXXX XXXX. MOHELA processed the request for temporary hardship forbearance, denying it, but will not finish processing my application to the XXXX XXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: AL
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/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I had several inquiries on my credit report that does not belong there. I have no idea where they come from or who they belong to who do not belong to me. I have tried several times to negotiate and talk to a representative displaying I have nothing to do with these Accounts are in accurate information reporting on my credit report accounts as following listed below XXXX 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 XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. 2 : its also states, a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information, or the records of conviction 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 relating agency if the person knows or has reasonable calls to believe that the information is an accurate The credit bureau keeps disrespecting the law. 
Ive shown them multiple times of how they are violating the fair credit reporting ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my credit file.

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 2021-10-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a Chasechecking account in good standing for approximately 15 years. Never had an issue. Chase has cashed many checks from my employer, again without issue. On XX/XX/XXXX I deposited a check from my employer for {$3100.00} through my chase app, as I have always done. My deposit limit is XXXX btw. On XX/XX/XXXX I received a 10 day hold notice for that check. In fifteen years Chase has never held a deposit of mine. There was plenty of money in my account, but i moved XXXX over just in case ( didnt help ). My employer is a XXXX year old, multimillion dollar, architecture firm. Our controller showed me where the check had cleared their account after midnight on XX/XX/XXXX. Chase had, and still has, my money and will not release it to me, why exactly? I have never had an issue with my account. 

I quickly noticed there was no longer the option to chat with customer service, so on XX/XX/XXXX I called and waited on hold for 1 hour on my lunch break. No answer. Then, on my way home I called again, and using my earphones, I waited on hold for THREE HOURS and still no one answered ( i had to hang up because i was so angry by then i was shaking ). This is not the Chase i knew. I emailed for assistance from my app and received an unhelpful, canned reply. I read my deposit agreement and can not see where a hold was applicable in this situation. This is not a huge amount of money for me, so what gives Chase? Im thankful I have other accounts and this isnt an emergency. This new Chase has shown no respect for my business or my time. I can not believe their nonexistent customer service and i question the legality of it.

Company response to consumer: Closed with explanation