BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. That is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ).

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed U.S. Bankruptcy Court XXXX. 

I never gave EXPERIAN any written consent to report anything on my consumer report, No consent is Identity Theft. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont ever recall giving you EXPERIAN any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EXPERIAN wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.

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 2022-10-15
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:
XXXX XXXX  Transunion XXXX Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly

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 2021-03-18
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Recently you assisted getting FEDLOAN Servicing, who manage all my student loans, to finalize certifying my employer the VA as a 'public service ' agency that makes me eligible to remain in the Public Service Loan Forgiveness program. 
After i received a letter in XXXX, it stated that my employer is a qualified employer, however, FEDLOAN did not state the name of the employer. 
Either way, I notified you then that case was resolved. 

Now 1 month later, I asked that my payments from XXXX XXXXXXXX-current are converted to qualifying/eligibe payments that count toward my 10 years of Public Service.

The response i got from FEDLOAN is, that my employer is yet again ' under review ' and that the payments can not be changed as of yet. Injury to insult. 

Will you kindly assist, on my side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wells Fargo has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.

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: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As you may be aware the year XXXX has been very challenging for myself and other homeowners with their mortgage payments, I too was unfortunate to fall behind. So i felt really relieved after i applied for a deferred payment and got an approval from my mortgage company -Select Portfolio Servicing Inc , in XXXX of XXXX. However immediately after the approved deferral my mortgage company informed me that effective the same XXXX of XXXX my loan is now subjected to a significant increase in my interest rate from an affordable 4 % to a whopping 9.54 % which effectively increased my monthly payment from {$1000.00} per month including escrow to a overwhelming {$2100.00} per month including escrow. I contacted the company regarding an affordable interest rate reduction in XXXX of XXXX and to my great disappointment and after a lengthy and drawn out process of communicating with them and providing their info requests from XX/XX/XXXX they informed me in XXXX of XXXX that my request for a reduction of the interest rate which was doubled-up and ill-timed was not approved and even suggested i give up my precious family home to a short sale. I am in the process of appealing their decision and realized i will need Help from your organization to deal with this GIANT Problem with this Giant of the industry who makes decisions about people 's lives with no regard to peoples social needs of having somewhere to call home and being able to stay in their homes especially during and after the tumultuous year of XXXX and beyond where the corona virus came and turned our lives upside down. 

I sincerely look forward to your Help in this feeling of helplessness situation that i am in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
State: SC
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 did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
JPMCB - CARD SERVICE inquiried : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: UT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had filled out an application online. While reading the terms and conditions and paging down to see them all, the application submitted without me touching any buttons. 

I called Wellsfargo and after being on hold and passed around to 5 different people. 

The first number I called was XXXX and spoke to XXXX who transferred me to XXXX at XXXX and spoke to XXXX who transferred me to XXXX at XXXX. 

Then I received an email saying to call XXXX if I did not submit the application. I spoke to XXXX who said she needed to transfer me to another department. Instead she transferred me to the main menu of the phone number I had called. 

I had to wait another 10 minutes then spoke to XXXX who claimed she had to escalate the issue. Then she gave me two more phone numbers, XXXX for the application status department and XXXX for the escalation case management. 

Instead of this being handled as the email said I could do if I did not submit the application I have been transferred over and over and only given phone numbers and a reference number, then told they would contact me within 2 business days. 

The reference number I was given is XXXX. 

I have been on the phone with all of this for over an hour and a half due to this application being fraudulently submitted, with no results. 

I was wary of doing anything with Wells fargo with the lawsuits they have had. This is why I was reading the terms and conditions. They have their website set up for it to submit the application if you have filled out the information even though you have not touched any submit button. 

Thank You, 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 2023-11-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: MN
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:
Again, despite repeated requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus are required to correct or remove but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts should correct removed immediately : XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX XXXX Balance Owed : {$30.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX Balance Owed : {$1300.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$310.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.XXXX XXXX XXXXBalance Owed : {$9600.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$10000.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: NY
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 is a real issues with the credit reporting agencies that is hurting us the hard working people of America. My credit score was Very good XXXX to be exact. I am underfinanced always pay my bills on time. I apply for a new car and the inquiry dropped my credit score?? This is total unfair policy and someone needs to prevent these credit agencies from hurting our credit for just simple inquires so we can get a loan. By hurting the credit rating, anything we borrow will be higher interest rate now becaue my rating is lower. 
How on earth does it make sense to lower my credit rating for an inquiry to borrow money? Even with borrowing the money, I am still underborrowing based on my capacity. The people of America dont understand this yet they are forced to pay higher interest rates because they are at the mercy of the unfounded rulings of credit companies like Experian. Does anyone regulate them? Force them to not hurt credit ratings for anything other than lack of payment or not timely? They are holding us XXXX, asking us to continually upgarde the reporting service, tie our checking accounts to them, asking for unnecessary banking data and if allowed boosts the score? There is something very wroing with this as I a hard working person always pays my bills on time gets a lower credit score for having inquiries that are necessary for me to get a loan to buy a car. Inquiries should never do anything to lower your credit limit. Is there anything that can be done about this unfair advantage they are gaining over us?

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 2022-02-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I asked PHH Mortgage company several times for my year end interest statement so I can do my taxes. They told me they do not generate one. I was just transferred to them in XXXX from XXXX XXXX ( XXXX ) who also did not send me one. I can not do my taxes without knowing how much interest I paid to each of them. This is not legal! I have received those figures in the past. What is the big problem? Are they not reporting it to the IRS? They answer I get when I requested is '' we do not do that '' So what do they do? Charge exorbitant interest rates and leave the consumer hanging? Why could I get it in the past? I have had this mortgage since XXXX and never a problem until XXXX. Can you please help me get this info prior to XX/XX/XXXX when I am required to file?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
As a consumer I feel like I have been discriminated against because my federally protected rights have been violated by Equifax. I sent them a dispute letter that they received on XX/XX/XXXX to have 2 inaccurate items removed from my report. A closed account and a fraudulent collections account thats been reporting every month since XXXX of XXXX. They sent me a letter in response to my dispute letter that I received XX/XX/XXXX stating that the information I provided didnt match what they had on file and they requested more documentation. Which is XXXX because I sent them a copy of my drivers license, and bill showing my address, and the last 4 of my social security number. They do that XXXX just to prolong the dispute process and discourage consumers from pursuing further actions. I called their dispute number XX/XX/XXXX at XXXX to see if I would have better luck over the phone. The first agent confirmed my identity using my name and address. She asked for my social and I told her I dont consent to giving out my social and she doesnt need it to confirm who I am. I told her the items that I wanted deleted and she tells me they have to stay on for 7 years by law. I asked her if they follow the laws under the Fair Credit Reporting Act and she said she doesnt know what those are. How can these XXXX do business with consumers and not know or follow these laws! I asked to speak to a supervisor. She transferred my call to the wrong department and they transferred me to the appropriate person. I asked the supervisor do I need to fill him in on whats going on from the beginning or did the agent already do so. He said he understands I dont want to give my social. I said thats correct and the 1st person was able to confirm who I am without it. He asked me again for my social security number and I refused so he responded by saying hes terminating the call and hung up on me. Theres no law that says I have to give them my social security. Theyre not even a government agency. Pursuant to 15 USC 1681b ( a ) ( 2 ) they didnt even get my written instructions to furnish a consumer report with my information in the first place. This XXXX is all fraud! XXXX poor practices by a XXXX poor company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
I have been reaching out to EQUIFAX, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EQUIFAX and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inquiries : XXXX XXXX XXXX  XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Conn's, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation