BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: GA
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:
Someone has been using my information to apply for EVERYTHING you can think of I need EVERYTHING removed immediately I have already disputed with XXXX, now I need XXXX to do what they need to do this is becoming a headache

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My Wife was the victim of a scam and computer fraud. She received a phone call from someone indicating a relationship with XXXX and XXXX that her computer was hacked. She was directed to a web site where the caller showed her various obscene images and offered to remove them for a fee. My Wife was then duped into giving the caller several credit cards ( with security codes ) - all of which the caller alleged said did not go through until she was finally able to use her Chase Mastercard. Then the caller - representing XXXX - took control of her computer and literally took several hours to allegedly clean it up. When I returned home, I recognized that this was a scam. I immediately advised by Wife to contest the charges ( {$250.00} ) and to close All of the Accounts where she had given Credit Card information, which she die. 
The very next day, we then took the now infected computer to the XXXX who are computer specialists at Best Buy. They acknowledged this familiar fraudulent scenario and encouraged us to have their techs inspect the computer. They found XXXX traces of infection and over XXXX suspected malware issues. They then proceeded to delete all of the spyware and infections, and we purchased a XXXX - XXXX program. Total Cost {$210.00}. 
Since then, Chase has failed to remove the fraudulent charge from my Wife 's account. They cite a fraudulent contract with XXXX which was NOT signed by Wife. In addition, they refused to recognize the information that we provided Chase with all of the documentation from Best Buy showing that the computer was severely infected and that XXXX really did not perform any service at all. They simply wiped off what they apparently put on the computer when my Wife was directed to their companion site. Although no real services were performed, Chase continues to send letters saying the balance of {$250.00} is due. Their letters arrive almost two weeks passed the date on which they are written. Chase appears to be complicit in allowing this scam and computer fraud to continue by failing to remove the fraudulent charges from my Wife 's account. 
I can provide Account information and Chase 's contact information to help resolve this matter. Thank You. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Given ridiculous interest rates as high as 12 %, and Sallie Mae refuses to consolidate my loans and work with me to lower my monthly payments despite making only slightly more than minimum wage. I can not afford these payments at all and there is nothing I can do about it because the loans keeps gaining interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian has not received written instruction to furnish a consumer report on my behalf in doing so Experian is actively committing identity theft

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 2023-05-10
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: Was not notified of investigation status or results

Complaint:
On XXXX, XXXX  I sent a letter to Equifax requesting verifiable proof that the information on the following accounts pertains to me. 

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

While Equifax did investigate some of the accounts they did not investigate them all. I have a recorded conversation with an Equifax customer service agent on XX/XX/2023 Equifax did not investigate XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX  XXXX. Instead the investigated XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts I didn't ask for them to look into. The Agent advised that he didn't know why they didn't investigate XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX, XXXX  He also advised that he could not stop the investigation into XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I also never received correspondence from Equifax advising of the completion of their investigation. 

the following account need to be removed from my credit report immediately, these accounts weren't investigated by Equifax. according to the Fair Credit Reporting act Equifax had 30 days to investigate these accounts and refused to do so : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I also was not sent a copy of the dispute results from Equifax I have waited what amounts to 4 weeks for those results I do not ant a reinvestigation of any of the before mentioned accounts I want full deletion of all accounts in the attached letter dated XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all other accounts in the investigation request should be deleted as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ATTN : Legal Department, Report Number XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1.XXXX XXXX never done business with this company please delete. 
2.XXXX XXXX never done business with this company please delete. 
3. XXXX XXXX This account was paid with Original Creditor error please delete. 
4. XXXX XXXX this account has never been verified error please delete.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My birth date is XX/XX/XXXX XX/XX/XXXX, not XX/XX/XXXX XX/XX/XXXX. Can you fix that if you can? My legal name is XXXX XXXX XXXX, not XXXX XXXX. Can you fix this error if you can? On the ADDRESSES section, My address was never XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX MI XXXX. Can you fix this error if you can? 
My ALIASES name is not XXXX XXXX. Can you fix this error if you can? 
On the EMPLOyMENT section, I am not XXXX, never was. Can you fix this error if you can? Can you fix delete all of these errors if you can that I listed? It is on XXXX XXXX information saids it came from Transunion credit bureau.

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 2021-05-20
Company: CORELOGIC 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. I am in the process of applying for a mortgage with XXXX XXXX. XXXX has mistakenly mixed up my brother XXXX XXXX credit report information with mine. As a result, my brothers 2 mortgage accounts 1 ) XXXX XXXX Bank with balance {$950000.00} and 2 ) XXXX XXXX XXXX with balance {$290000.00} were included on my credit report. Within the past 2 weeks, we have contacted XXXX more than 6 times. They claimed that the problem was fixed and these 2 mortgages are no longer on my account. However, when I tried to run my credit report on XXXX.com ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) all these 3 reports are still showing my brothers 2 mortgages. The system still identified me as XXXX XXXX with my brothers date of birth, last 4 digits of SSN, current and former address. 
XXXX  has sent me a copy of my report dated XX/XX/XXXX ( confirmation # XXXX XXXX. Although the information on this report is correct, my concern is the 3 reports that I pulled on the XXXX  portal after XXXX are still showing the errors. 
XXXX  is unable to explain the discrepancies. When my lender pulled my combined credit report via Credco on XX/XX/XXXX, it is still indicating that XXXX is reporting my brothers mortgages on my report. The Credco Report also indicates that I am AKA XXXX XXXX ( the 2 of us with DOB 6 years apart! ) This has severely jeopardized my underwriting process. 
I have also filed 2 online disputes based on the above incorrect information at XXXX Confirmation # XXXX and # XXXX. Initially, I was able to track the progress but these disputes suddenly disappeared from my online profile 2 days ago. I tried to file new dispute based on the incorrect data on XX/XX/XXXX but the system did not allow me to do so.

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 2017-04-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Summary I obtained a mortgage loan for an investment home in XX/XX/2014. One of the conditions of the loan was to make certain repairs to the home. Reserve funds was withheld until the repairs were completed. After the repairs were completed, the reserved funds were applied to the loan principle instead of being returned to me. My principal complaint is that these should have been given to me. 

The original lender was XXXX, and the mortgage was sold to Wells Fargo. I do n't know which lender made the decision to apply the reserve funds to the loan principal. Nevertheless, Wells Fargo says that the funds can not be redirected to me because I did n't give them notice that I wanted the funds returned to me. Additionally, this notice was required to be made within 30 days of the date that the reserve funds were transferred to my loan principal. I was never given such notice. 

XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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: Reporting company used your report improperly

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.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy... THESE COMPANIES ARE NOT TO VIOLATE THAT ESPECIALLL WHEN THERE ARE SECURITY CONCERNS AND A SECURITT FREEZE ON MY CREDIT. 1 5 U.S.C 1 681 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

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 2023-04-04
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on 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

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to refinance my mortgage with Wells Fargo in XXXX. I was denied and told that in order to refinance or get any modifications to my mortgage that I would 1st have to go into a foreclosure. I reached out to have this investigated by Wells Fargo. In XXXX Wells Fargo close an investigation claiming that I asked for a Modification and not a refinance. I was denied the chance at both and at the time of my request I had more that 8yrs with no missed payments. These actions forced me into a forecast, in which I lost my home and earn equity. I believe that I should be included in the mortgage settlement lawsuit. I would like my case investigated.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XXXX through XX/XX/XXXX XXXX approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, XXXX approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; XXXX  approved me for a Permanent Modification in the amount of {$420.00} of which XXXX scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as XXXX Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; XXXX reported on XX/XX/XXXX that my XXXX  Account was XXXX Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to XXXX  in an attempt to speak to someone that could correct the negative credit reporting that XXXX  placed in my Credit File/Credit Report. The XXXX XXXX repeatedly informed me that their XXXX XXXX were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to XXXX Representatives by telephone ; I sent a message to the XXXX XXXX XXXX XXXX describing the negative credit reporting that XXXX placed on my Credit Report/Credit File, but have not received a response from XXXX. 

My XXXX Account is not delinquent, and is not 120 Days Late as XXXX has listed in my Credit Report/Credit File. I am in a Permanent Modification with XXXX and have not been late in making any of my Trial Period Modification and Permanent Modification Payments.

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 2017-02-28
Company: FirstKey Holdings, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom, First I tried to just get my taxes and Ins turned back to me denied tried to do a refinance with XXXX got taken for XXXX to find out my house has dropped another XXXX since XXXX and no refinance done but I owe XXXX more than what my house is worth now. Tried to get help through my mortgage denied again and they are trying to charge me for fees at XXXX I have not paid and do n't need to pay they said they where going to take it off but never did talked to them till blue in the face but kept and still getting the mortgage payment on time for now its is hard to do at times but find a way by selling things I have worked hard for. First Key denied me they say I have a Senior mortgage attached to me since XXXX XXXX by XXXX XXXX I have never known of a senior mortgage I do n't owe this at all but I have talked to XXXX they told me to get with XXXX I did they said they take care of it but did not solve the problem. I have no equity in my house now and ca n't afford to to repairs needed done some as I slowing find the way to get money together. First key mortgage have had during the time trying to get help through them got a few calls from there customer service with like threaten action for my payment for they said they have not receive my payment this is 3 days after and after arguing with them to check again for I have made the payment on or before the due date plus Im suppose to have 16 days after but not with them. What can be done I have great credit and work hard to pay my bills with not much left for gas and food. I need a little help with this problem thanks

Company response to consumer: Closed
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was also forced into forebearance, not offered alternatives and have been paying loans for 10 years with no tangible result. High interest rates, capitalized interest, and mucky repayment structures dont allow a borrower to understand their debt and optionns.

Company response to consumer: Closed with explanation