BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In 2006 Navient advised us to do a spousal consolidation. Since then we are inelgible for any government programs like the PSLF program despite the fact that one spouse has over 10 years in Public service. And we were unable to receive covid relief. There are absolutely zero options for us due to the spousal consolidation. There needs to be a dispute process or reconsolidation process available. We are struggling, we've earned forgivness of these loans and we're told " tough luck ''. It's inequitable and unfair. 

On top of that Navient consistently incorrectly reports on our credit and refuses to offer any support for this spousal consolidation that they pushed us into. Young, stupid and fresh out of college, there was zero communication about the ramifications of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX for and paid 21 % of the purchase price, which is above the required escrowed amount. At the time, I was told that it could be removed at anytime since I had over 20 % down payment. In XX/XX/XXXX, my mortgage was sold to MR. COOPER and since then I have requested three times to have the escrow removed. They refused to remove me from escrow. They also claim I need to have 5 years of payments in good standing, or at least 20 % down on my original mortgage, NOT the purchase price of my home. But no worries, for me to get our of escrow, they are going save the day by offering to refinance my mortgage with them. This of course would allow me to get out of escrow. Oh, how convenient for them, and also unethical. Thus, I reached out to a third party mortgage agent, who confirmed that this is UNTRUE and never heard of such a situation relative to my issue. Additionally, she also relayed that several mortgage companies confirmed with her that have cut relationships with MR COOPER due to unethical business practices. WHEN I refinance, it will not be with MR COOPER. DON'T DO BUSINESS WITH THESE UNETHICAL PEOPLE, THEY NEED TO BE INVESTIGATED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to request a credit line increase on my card today, XXXX. Their system says that I already had an increase on my account on XXXX. Which is not correct. I requested an increase on XXXX. This information can be verified by XXXX as there was a hard inquiry into my credit report on that day ( XXXX ). I also remember submitting it twice back on the XXXX, the fist one stated I got an increase, the second said I did not qualify because of the first approval. I requested it a second time on that day because their system did not instantly reflect the approval. I question Citi 's systems because I was not notified of any change in my credit account or status in XXXX. The only reason they may have used that date is because I finally used my card in XXXX. This does negate the fact that I have a hard inquiry in my credit report from XX/XX/2021 and was approved then. They clearly have systems that do not match up to what happened, when it was approved and when I would be eligible again.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Investigation took more than 30 days

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also my current address is XXXX XXXX XXXX XXXX, Iowa XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX, NE XXXX, XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX NE XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2023-02-14
Company: Experian Information Solutions Inc.
State: NC
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 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. 

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. 


Names on 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 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 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 non-monetary relief
Consumer complaint received 2023-01-23
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XX/XX/XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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:
I received an inquiry alert, I called the company to inform them I didnt not request any line of credit. I was told theyll note the account as fraud. I received another notice that an account was open, I called again to inform them this is not my account I was ask to send a police report. I had to go get a police report for an account I acknowledge when the inquiry hit was not mine and they proceeded to allow the account to be open. Police report completed and sent to the company. I was told it was an online account, my last call I ask why would they not have two factor authentication ( this helps with seeing that the address used I never had any affiliation with ), I didnt really get an answer as it wasnt her position to speak on it.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ok so my name XXXX XXXX this is my second time with Wells Fargo bank. Ok its still showing up on my credit report saying I owe money! So why I got account now with them they try to say I owe more money! From my last account! And I cant even put nothing into my. Account because they saying I owe money but I got a new account they wouldnt even let me get a checking account they are very rude people! I dont think that far to anyone but thanks for taking the time to listen to me!

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 2023-02-13
Company: EQUIFAX, INC.
State: MN
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 am a natural person, I am a living being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because according to 15 USC 1581 : I have the right to privacy and I did not give Equifax the right to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX Beginning in XXXX XXXX XXXXXXXX Beginning in XXXX XXXX  XXXX XXXX Beginning in XXXX XXXX XXXX Beginning in XXXX XXXX XXXX CARD SER Beginning in XXXX XXXX XXXX Beginning in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: HI
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 sent XXXX proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Investigation took more than 30 days

Complaint:
In Accordance to the Fair Credit Reporting act everything has to be 100 % Accurate In my credit act Accounts XXXX XXXXXXXX AUTO FINANCE XXXX, XXXX BANK Account # XXXX The Credit bureau stated that my account was investigated accurately but how is this possible when the Date opened is inaccurate, the date last active is inaccurate, and The date last reported is inaccurate. This is grounds for removal they also 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more than 30 days to complete my investigation My certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: GUARANTEED RATE INC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my closing was set with Guarantee Rate and they sold ( forwarded ) my account to New bank XXXX and my first payment was sent to them on XX/XX/2021 and it was processed on XX/XX/2021. Gurantee rate said it would take 60 days for them to forward all the payments to XXXX XXXX but its been past 60 days and it still hasn't been forwarded to them. I called Guarantee Rate multiple times to file a complain and check the status of my account. I called them on, XX/XX/2021, XX/XX/2021, XX/XX/2021, and on XX/XX/2021 ; in all those phone calls no one was able to give me an answer and resolve my issue. They kept saying that someone will get back to me once they review my account but I haven't received anything from anyone. I also filed a complaint on XX/XX/2021 online and the case was assigned to XXXX XXXX, a servicing department and a email was sent to me which stated that someone will get back to me within 48 hours but its been more than 3 days and still no one has reached out to me. I also tried to email the customer service representative but it seems that she has ghosted me out and wont reply to me. I also checked with my XXXX XXXX  to see if they could cancel the payments from their end but they stated that Guarantee rate has already cashed the payments so there is nothing that could be done in their end. I would really appreciate it if someone could reach out to me and resolve my issue. 
Thank you!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my last apartment XX/XX/2021, and e-mailed them to let them know I was moving out and was providing them my 60 day notice. She said thank you and it was received. Apparently within the email they said they needed it in writing. Im not exactly sure how that was enough of a notice. Its an electronic communication which is easy to provide proof. Handing them a written notice could become misplaced or lost. I emailed the debt collector company about the situation regarding the {$220.00} debt. I let them know exactly what Im telling you, they said thank you and we will reach out if any more information was needed. I never heard from them again. This is now on my credit as a derogatory remark. This is unacceptable and I will not be paying them. Please help me.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been a long time customer of Wells Fargo Bank. On several occasions I was charged checking account maintenance fees when I was told the account was free. When I inquired about the fees I was convinced to open an additional account with them to avoid monthly fees. I did this for several years before I went in and consolidated 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 2020-01-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian refuses to remove fraudulent addresses from my credit file. I have submitted my drivers license to prove my address. There are 3 addresses on my credit file that do not belong to me!! I've been trying for over a year to get this fixed and Experian refuses. All my creditors have my correct address and Experian is steady saying otherwise. I reached out to all of my creditors and they have exactly what I've been telling Experian that they have.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I reached out and asked them to validate and verify that the account is mines but they couldnt give it to me because they dont have that information

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX  XXXX ) XXXX XXXX : {$78.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-10-08
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : XXXX XXXX XXXX, University XXXX, XXXX Account Name CREDIT COLLECTION SVCS I Potentially Negative Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Original Balance {$150.00} Highest Balance {$0.00} Status Collection account. {$150.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$150.00} Balance Updated XX/XX/XXXX Account Name CREDIT COLLECTION SVCS I Potentially Negative Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Original Balance {$380.00} Highest Balance {$0.00} Status Collection account. {$860.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XX/XX/XXXX These charges should have been sent to XXXX XXXX XXXX. I sent the XXXX XXXX information to XXXX but they decided to put these charges against me anyway. 

House Bill 388 states that I should not have been involved in this dispute. 

I need for these debt charges to be removed from my name and that it is stated that I have no responsibility regarding this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my identity stolen and I have a debt in my credit report of {$21000.00} for a medical bill that is not mine. This thief went to the XXXX XXXX XXXX. First of all this individual stealing my identity lives in Texas, and I live in Illinois!!!! I need help catching this thief and putting them in jail. She is ruining my life. Please help me

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