BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: AZ
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:
There are several unauthorized credit inquiries listed on each of the three credit reporting agencies. I have contacted each credit reporting agency individually using a certified mailing option. The dates of contact are XX/XX/23 and XX/XX/23, respectively. 
Each of the credit reporting agencies have continued to report these unauthorized inquiries and have not responded to my request to-date ( XX/XX/23 ). 
As the consumer, when I contact a credit reporting agency with information that I believe to be inaccurate or requesting investigation into inaccuracies, I expect that they will handle these matters with some urgency and respond to me timely with updates regarding my legitimate requests. 
This has not occurred and I wish to complain about these credit reporting agencies and have their business practices investigated. Their role as a consumer credit reporting agency, consumer being the main focus here, then I would presume that they have a fiduciary duty to appease the inquiries of the consumer whom they exist to serve. Maybe I am mistaken but I am certain that I am not the only victim of these unethical and unsupported business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
So in XX/XX/XXXX I requested a payoff amount for my vehicle and when It was given to me, I paid it. I was told by XXXX XXXX that its been paid in full and that they will send the title via mail. A couple months later I havent received the title so I called and come to find out the address they sent it to was not the current one so we then proceeded to change it to the current one. In XX/XX/XXXX I still have not received the title and on top of that received a delinquent notice on my credit report. I did some research and found that the delinquency was from XXXX XXXX. When I called in I was told that they gave me the wrong pay off amount and that there was a {$17.00} balance that they have been trying to collect. I didnt receive any mail from them because again they had an old address even after I tried changing it the last time I spoke with them. So the supervisor said if I paid the {$17.00} and some late fees that they will fix the delinquency on my credit because it was their fault they gave me the wrong payoff amount and that they didnt change my address when I last spoke with them. A few weeks after that phone call I received a signed document that allowed me to request a duplicate title from the DMV. Fast forward to XXXX I checked my credit report and I see that the delinquent reports from XXXX XXXX is still there. I called in on XX/XX/XXXX to see what was going on and they told me they dont know and that because the account was closed they dont have any notes on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Public record information inaccurate

Complaint:
This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: CO
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:
Loan payments resumed ( due XXXX, {$110.00} on the XXXX XXXX  ) I paid the amount due XXXX. I received email confirmation of the payment. I received a notification from nelnet XXXX that I had a past due balance and the payment was never applied and instead started to accrue interest. I sent another payment on XXXX and again got a confirmation email. Again, the payment was not processed or withdrawn from my bank account. My balance now shows past due amount of {$350.00} ( XXXX months of payments not being processed ). I have tried multiple times to contact them by phone ( too long of wait times, multiple HOURS ) and by email. I have not heard a response since the end of XXXX from my email inquiry. Neither Nelnet or the Federal student aid has responded. My credit score is now lower due to the increased balances and " missed '' payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: MO
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:
Losing my wallet has compromised my identity and the aftermath is a result of unknown and unauthorized accounts reporting on my credit profile. These unauthorized accounts shall be removed from my credit file immediately. The following accounts are. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5. XXXX XXXX XXXX. XXXX XXXX XXXX 7. Dept of E/DXXXX XXXX {$3800.00} 8. Dept of ED/ XXXX {$1900.00}

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 explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted an insurance draft to Shellpoint mortgage for endorsement over a month and a half ago, still have not received the check endorsed back, every requested document has been sent timely and every time I call I receive the same answer " it is processing '' I have requested to speak to a manager who never took my call. It is a {$35.00} XXXX and I don't understand how lengthy could endorsing a check could be. Please help since I am really frustrated with the lack of response and proffesionalis showed by this company. 
Regards XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX loan # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: OH
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:
My student loans were transferred from Great Lakes to Nelnet in XXXX. Prior to this, I was on REPAYE since XXXX of XXXX. Per Nelnet, I should have been automatically transferred to XXXX program. My payments are very high ( XXXX per month, instead of the {$180.00} or so anticipated on XXXX ) and I reached out to Nelnet. I was told the amount would be fixed. It turned out ( after weeks of no response and no change to my amount due ) that Nelnet had only transferred some of my loans to XXXX and had the rest incorrectly under a standard repayment plan. When I contacted Nelnet, I explained I was ready to pay immediately in XXXX and could afford the smaller payments on XXXX and would like to start immediately. I was put on administrative forbearance and have watched my account climb even while I have made monthly payments. I was told last week by Nelnet that my payments made in XXXX and XXXX would retroactively count for XXXX payments and I would have the interest subsidy applied to my account. I asked them to immediately change my status to repayment as I am ready to repay and have been for months. This week I noticed my forbearance has been extended from XX/XX/XXXX to XX/XX/XXXX. Please please help fix this. Nelnet has been incredibly inefficient and has been draining my free time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Southwest Stage Funding
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a forebearance under the CARES Act with my mortgage company, XXXX XXXX. I was granted the forebearance but began to assess late charges and receiving notices. When I contacted the company in XXXX after receiving multiple letters stating that my loan was late and that I needed to pay the full amount immediately. I was treated really poorly by the representative with XXXX who basically told me that I was going to have to pay all of the money {$6200.00} on XX/XX/XXXX or I was going to lose my house. I tried to ask about the details which I understood was that I could either tack those payments from the forebearance to the end of my mortgage or spread it out over time. I was told NO. 

I did not lose my job but our finances were impacted due to the fact that my fiance who is XXXX XXXX had a loss in wages. With all the uncertainty and the struggle we were in we thought this would give us some respite. 

I feel like my home is under threat and I am terrified of losing it. I went ahead and paid out all the money I had including all of the stimulus check to try and get caught up. In addition, I feel like I was bullied due to the fact that I have an FHA loan on a mobile home and they felt since I am poor they could get away with treating me badly. I asked to speak to a supervisor and was put on hold for an hour before speaking to a woman who wasn't as rude but told me basically the same thing - that on XX/XX/XXXX the total amount of the deference was going to be due. As of today XX/XX/21 I am current up to XX/XX/XXXX - I still owe for XXXX and have been so scared of losing my home that I put off all other bills despite having a forebearance. 

I feel like XXXX XXXX has been punitive with me - they have showed no compassion - and treated my family badly. We really need/ed that forebearance but have been unable to utilize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Copious amounts of money were paid to this company and yet they are attempting to collect more with zero validation of debt provided to me. No evidence of validation of debt has been provided to me after multiple attempts and certified letters through USPS. 

ATTACHED ARE PAYMENTS MADE TO XXXX. 

MOVE IN XX/XX/XXXX MOVE OUT XX/XX/XXXX {$2700.00} paid {$2600.00} paid {$2600.00} paid again That is a total of {$8000.00} for XXXX months of rent when rent was only {$2600.00}. 

I WANT VALIDATION OF HOW THIS COMPANY IS ALLOWED TO PLACE ON MY CREDIT REPORTS AN AMOUNT EXCEEDING {$3000.00} NEARLY {$4000.00} WITHOUT ANY PROOF BEING SENT TO ME AND THE CFPB NOT OBTAINING THIS INFORMATION EITHER! 

I will include all parties involved in the illegal activities of not providing consumers validation of debt or due process of allowing disputes. THIS IS A DISPUTE OF DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was harassed by XXXX XXXX XXXX to process payments for my website. I finally sucumbed and signed up, but when I read bad reviews of this company online, I called and asked them to cancel my services. I decided to stick with the company that was processing my payments at the time. I never used them. 


The next document I saw was a bill of {$350.00} for compliance that I never took. They sent my account to collections for the amount of {$350.00}. I never paid for this because I never used their services. Then, I saw a bill of {$1100.00} from Southwest Recovery Services. I was shocked at the amount. I finally decided to check my emails and discovered that Southwest Recovery Services inflated the amount I owed, which was originally {$350.00} to {$1100.00}. 


I filed a dispute with XXXX and XXXX and without investigation ( within one day ), they determined the amount reported was accurate. I submitted overwhelming evidences, showing the original debt from the original creditor and the fraudulently inflated amount I supposedly owed from SRS. As you can see, SRS says in that email that there are no interests charged on this. The payment portal for the original creditor is still opened for me to make payment in the amount of {$350.00}, but SRS would not stop harassing me. I found reviews online of people complaining of the same thing from this company. This company is FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 corrected from 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 US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I saw in XXXX online that Wells Fargo may own customers money for fees being charged fraudulently. My accounts were closed out in XX/XX/2016. I always felt something didn't add up with my balances but I had no way of providing it. So I'm submitting this claim to investigate to see if any fraud was committed against my accounts.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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 XXXX XXXX, XXXX XXXX XXXX # XXXX, 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 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 2021-03-18
Company: USCB, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called my mortgage XXXX  ( citizens ) on XX/XX/XXXX to find out how much to pay off my loan. I was told it was XXXX including a recording fee to release the lien. I asked if i could pay that right away and was told i had to either mail a cshiers check or authorize them to take it from escrow. I immediately authorized it from escrow. The woman said no probelm she would make that happen right away. About 3 weeks later I received a late notice. I called Citizens back on XX/XX/XXXX to find out why I received a collection notice. I was told that the person who i spoke to a month prior didnt do it right and he had to remove the late fees and then the next day he would set it up to be taken out of escrow. On XX/XX/XXXX I received another late notice and called to be told it still wasnt done and they didnt know when it would be processed. I explained i needed it done ASAP so I wouldnt have the additional property to be processed by my accountant in XXXX taxes and would cost me more money. Again, sorry but theres nothing we can do. On XX/XX/XXXX I filed a public complaint on XXXX regarding the terrible customer service of Citizens and someone reached out. Assured me that they would get my info to the manager of customer service and get it handled. I still have a balance as of today XXXX. I called into them and was told by the auto attendant that i am late with my payment and have been on hold for a person for 34 mins now.

Company response to consumer: Closed with explanation