BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: IL
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 tried at least 9 times to call talk to XXXX about my acct. I have new credit cards and have paid on my accounts on time. My credit scores have stayed at XXXX for the last 6 months. Every time I call XXXX or go on line they always says there is a problem. I cant get everything done with them. I know checking all the others ones also. I have been denied Credit at my bank and my bank has been working with me trying to get my scores up and to no avail my scores sits at XXXX. Theres a problem and I want it fixed.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2024-01-18
Company: Diversified Adjustment Service, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit reports XXXX, XXXX, and XXXX and noticed a collection account from Diversified Adjustment Service , Inc # XXXX that's demaging my credit reputation. I have no knowledge of Agreements for these accounts It is illegal for them to continue to collect these debts. I'm not saying it's fraud or identify theft I'm not saying it's not fraud or identify theft. I have no information or knowledge about these debts soI would like themy to send these debts back to the original creditor. I don't even know if what they saying I owe is even correct. I don't know anything about these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need help!

I am a XXXX XXXX, a former roommate XXXX XXXX, XXXX XXXX convinced me to open ( 3 ) bank accounts so she could deposit counterfeit cash and write bad checks against the balances.

I would like my name within your system restored to a good status.

XXXX XXXX was able to assist me. Unfortunately your customer service was unable to 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 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  credit reporting Has never updated removed incorrect information.After much hassle I did get a letter with my credit score after complaint here with you.My score has not changed.I called and spoke on the phone with a gentlemen named XXXX who I could hardly understand.I was told my credit report is computer operated and there is no way to change that.i pointed out and asked about the hard Inquires that have dropped off a d the point system for that.he confirmed that is the point sytem.and the computer generates all reports there is no way to change it.i filed on XXXX and have had no responses.I asked why some information disappears and reappears.no answers.I called again spoke to a supervisor who said I have no credit history.i find that hard to believe since the whole reason I checked into my credit was i was notified that my information was hacked and frozen.I have been at this almost 3 years i belive.Done it all by myself.And it is worse then it was before.I am ready to pursue legal charges for all the headache, time, effort, calls, disputes, complaints, and research into this whole issue.

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 2021-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Chapter XXXX  Bankruptcy 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 2024-01-09
Company: The Receivable Management Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested information about a debt I noticed on my credit report. When I provided my name, date of birth, and the original creditor listed on the debt they were unable to find 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 explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive requested transunion XXXX and XXXX to remove accounts that I wasnt aware of, theres XXXX credit cards and collection on my credit report that Im not aware of. Ive already put in a dispute

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 2024-01-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I went on Covid forbearance due to loss of income for 18 months. I then reached out to Truist to see how I could begin making payments. I was told different things every time I called. One person said that I would received a packet, but all I received was letters requesting repayment to avoid foreclosure, others were requesting income and tax information. I then went to a branch on XX/XX/23 and had a manager facilitate a call with Truist. The call center, XXXX, advised me that I needed to bring my outstanding payments under 18 months to request a deferral. I made two payments over the phone to do so and it covered the following months payment to cover me while I waited to get approved for deferral. I did not received anything regarding a deferral nor did I receive any calls during this time. I then reached out in XXXX to see if my deferral was approved. They said that I had passed the deadline of XXXX XXXX and that I needed to participate in a trial payment plan and loan modification because I no longer qualified for Covid forbearance related deferral. I had requested this in XXXX and I had continued making mortgage payments while I waited to hear from them. I believe that I have exhausted all requirements and should be afforded a deferral without an increase in my term. I feel that my case was mismanaged by Truist from the start and their own incompetence has led to my situation. 

Please advise.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt.

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 2024-01-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My computer hacked, Hackers got into everything on it including my on-line banking acct. with Wells Fargo. Money was transferred from savings acct. to checking acct. and I was not notified of fund transfer which was what bank usually did when funds were transferred by sending e-mail to inform me a transfer had occurred. There was nothing I could do to stop the hackers who identified themselves as " XXXX XXXX ''. Initially they had locked my computer and had a message on line to call XXXX with a phone number to get computer cleaned of any wrong programming. See complaint ID XXXX. 
Wells Fargo refuses to replace any of my funds stolen because they seem to think I had something to do with the stealing. The hackers got away with over {$160000.00}. Wells Fargo has repeatedly said I was at fault because I sent a cashiers check to supposedly XXXX XXXX XXXX to return the amount transferred to my checking account from savings by hackers. That check was only sent to return funds to XXXX that I thought had been put into my account by them in error by their billing department. 
If you can please get through to Wells Fargo that I was REALLY hacked by people posing very well as XXXX employees and to PLEASE replace at least half of my funds I will be very happy to let this situation go.

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 2024-01-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had a savings account with WellsFargo. The account was earning .25 % APY. The bank has a special promotion that if the customer deposits a minimum of {$10000.00} into the savings account the entire balance will earn 4.6 % APY for 12 months. To date, the account has not earned that interest rate.

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 2019-01-06
Company: AES/PHEAA
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: Account status incorrect

Complaint:
Again this another complaint against the student loan company American Education Services which is formerly the name of XXXX XXXX. I have filed complaints before in regards to their third-party collection practices. Allow me to refresh your memory : case # XXXX which involved XXXX XXXX and XXXX  and resulted with this company ceasing all collection activities against me ; case # XXXX which involved the law firm, XXXX XXXX XXXX XXXX and resulted in a Notice of Discontinuous that was filed in NY Supreme Court ; case # XXXX which involved the law firm, XXXX XXXX XXXX in which they claimed that the file was closed and left their office in XX/XX/XXXX.

However, I happened to check my credit score and decided to get my credit report. I found all this derogatory information on my credit report by American Education Services or AES/XXXX. On my credit report from XXXX in their comment section they claimed, " Transferred to recovery status updated XX/XX/XXXX. '' They also claimed that this account was first reported in XX/XX/XXXX meanwhile my account was opened on XX/XX/XXXX. My first initial payment to this company was on XX/XX/XXXX, My last payment to them was on XX/XX/XXXX. On my credit report from XXXX XXXX they claimed my last payment was on XX/XX/XXXX. Notice the difference of the last payment dates! In their remarks section they stated " Transferred to Recovery < > Unpaid balance charged off. '' Also this derogatory information is scheduled to come off my report in XX/XX/XXXX. However, this is the first of many derogatory complaints from this company XX/XX/XXXX, & XXXX. I will be filing separate complaints for each of them. I currently have disputes opened against them with XXXX XXXX and XXXX, I have to mail a request for a credit report with XXXX   because for some reason they would not allow me to get my credit report online. I do intend to file legal action against every last one of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Ive never lived at the address XXXX XXXX, XXXX, PA XXXX address id # 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 2024-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I am unsure of how I have gotten to this point of this juncture as I was very persistent with my communications with my Servicer SPS Servicing. We spoke on occasions that the pandemic influenced moratorium exercises did cause a bit of delinquency. I thought the outcome at this juncture would be much better after conversing with Relationship Manager XXXX and Obudsman XXXX, in which they assured me of no issue in assisting with retention. 

On the XXXX or XXXX of XXXX I sent in my modification documents and I am simply asking for them to reinstate my mortgage due to hardship. My daughter is still in XXXX XXXX, and brother still scheduled for a XXXX XXXX. Currently I am taking a XXXX XXXX XXXX XXXX so that I could be an assistant to my brothers ' needs. 

I am in a hardship situation at this moment coming out of the Pandemic with all the other issues surrounding me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-06
Company: Reliant Capital Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began  receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unofficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unofficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently no one was notified that my hold was released.

Company response to consumer: Closed with non-monetary relief