BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting 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:
Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX XXXXXX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX CO Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-12-23
Company: Experian Information Solutions Inc.
State: GA
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/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused 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 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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  and XXXX XXXX will not update paid items. Being trying for 2 years. 

XXXX XXXX XXXX  dropped one of my open accounts. 

Capital One and XXXX XXXX XXXX  seem to only update my reports every thirty days when I'm behind, but not when I've paid. Some of these cards haven't reported since XX/XX/XXXX. That was 60 days ago. I've paid the cards off twice since then and am being denied credit score increases that I'm owed for lowering my credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
I am requesting that it will be removed from my credit report as soon as possible.

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused 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 2021-05-22
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter requesting payment of {$150.00} for " defaulted contract '' for XXXX XXXX XXXX on XX/XX/21. I had a gym membership previously with XXXX XXXX for many years and the contract was fulfilled after obligation and then I went on a " month-to-month '' status. XXXX XXXX XXXX purchased XXXX XXXX but my contract had been fulfilled years prior to this change of ownership. I do not owe any money for a " defaulted contract. '' I have written a letter back on XX/XX/21 addressing this and have yet to be notified by Aldous & Associates who sent me the notice. I do not owe this amount, or any amount to XXXX or XXXX XXXX and want this matter closed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2020-12-22
Company: Diverse Funding Associates LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NC
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:
SENT IN A LETTER VIA PRIORITY MAIL IN ATTEMPT TO REMOVE INQUIRIES THAT RESULT IN THE FORM OF IDENTITY THEFT. THE COMPANIES HAVE FAILED TO RESPOND OR ACKNOWLEDGE MY LETTER AND MY PHONE CALLS TO GET HELP REMOVING THESE INQUIRIES THAT ARE CAUSING ME DENIALS. THIS IS A VIOLATION OF MY RIGHTS PER FCRA. IF THESE ARE NOT REMOVED IN 30 DAYS I WILL PROCEED WITH ARBITRATION AND EXPECT TO BE COMPENSATED

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Inquiries - XXXXXXXX XXXX XXXX ( Bank ) /XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX  XXXX  XXXX Bank XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Letters were sent to XXXX, Transunion, and XXXX  regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.

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 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a problem with XXXX. I did the document early. I dont know if it went through or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Through XXXX XXXX product referral, I applied for a Wells Fargo Platinum CC with a 0 % intro rate for 18 months, and an interest rate of 13-27 % at the end of the term based on credit score and income. My credit scores were XXXX through XXXX, XXXX from XXXX, and XXXX from XXXX. WF issues the card with a credit limit of {$1500.00} with 0 % APR through XX/XX/20 and 27 % thereafter. My income annual exceeds the income of 99 % of US households and I have 98 % of available credit across 15 active accounts available. No one at Wells Fargo could explain what the APR would be at the same income and available % of credit with FICO scores differing between 850, 800, 750, 700, 650, etc. I believe that WF falsely advertised the lower 13 % interest rate as a means to trick consumers with good credit history to apply for a credit card that would always be a high interest credit card. Further, I do not believe Wells Fargo is using actuarial or any valid means of issuing credit to risk. I reported the issue to XXXX and XXXX XXXX as well as Wells Fargo. I closed the account with Wells Fargo without ever using it. However, they will be reported as a lender in my report as well as a hard inquiry, adversely impacting my FICO score.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: TN
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this 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 2018-02-17
Company: AES/PHEAA
State: GA
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:
In XX/XX/XXXX, I submitted a timely response to recertify my IBR plan. XXXX botched it and didn't process my application, I had to spend time getting them to process it to prevent a payment increase. 

In XX/XX/XXXX, they audited my account and determined that I let my IBR plan lapse in XX/XX/XXXX and they retroactively capitalized {$13000.00} in interest onto my principal. 

I want that interest de-capitalized and I want damages awarded based on interest I have paid on that wrongly capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX ( early ) - Reached out because the forbearance period was ending, wanted to reach a solution with my mortgage moving forward ( modification, another forbearance period, etc ). Was told that I was reaching out too early. 

XXXX ( before XXXX ) - Reached out again. Was essentially told that I should request an additional forbearance extension, which we agreed to do. Extension request was submitted. I was told I didn't need to do anything. 

XXXX XXXX early ) - I followed up about the forbearance extension. I hadn't heard anything or seen anything in my account to reflect it. The agent I spoke with this time was surprised that I wasn't told I had to fill out a mortgage assistance application. I then filled out an application and emailed it. 

XXXX ( early ) - I followed up a couple times and the application still wasn't being received, but I was told that maybe it was just a delay with being uploaded. Also, around this time, I noticed that negative credit reporting had occurred from Specialized Loan to the credit agencies ( I was assured this wouldn't happen, but it did XXXX. 

XX/XX/XXXX - I had to resubmit my application via email since my first email apparently never went through ( even though it was sent to the right address and was under the size limit ). 

XXXX ( mid ) - Followed up, application still not received. 

XXXX ( mid ) - Followed up, application still not received. 

XX/XX/XXXX - Followed up, application still not received. Issue being escalated to the mail room / department to try to locate my email. 

I mean, this is ridiculous. It shouldn't require this many hours and this much work to solve this sort of problem. It almost feels intentional because the more they can delay me, the more they can make off me with penalties.

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 2021-05-13
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to XXXX ( LoanCare ) in late XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX ). We had previously paid our XXXX mortgage payment to XXXX on XX/XX/XXXX, which was then transferred over to XXXX in a bulk wire transfer on XX/XX/XXXX. XXXX mishandled the payment and did not apply it to my account, and have been unable to resolve the issue in the 4 months that followed. During that time period I have called and spoken to their customer support, payment research, and supervisor teams on 15 different calls spanning 12 hours in duration. I have provided LoanCare with full banks statements and wire transfer information that I collected from XXXX per LoanCare 's request. I have complied with each of their requests, but they have still not resolved the issue and have applied late fees to my account and threatened me with foreclosure on my mortgage. LoanCare has failed to respond to any of my requests or complete any action on their end to help rectify the issue. They've ignored scheduled call backs and will not give me contact information to reach them directly. Each call indicates the issue will be resolved within a week, and each time they fail to make any progress yet they have marked my account as delinquent and applied late charges even when knowing this is an issue they caused. I have provided them with all of the information that I possibly can and I have run out of options for how to move forward. I am submitting a formal request here as I do not know what else I can do to reconcile this issue. There mishandling of this payment and inability to help resolve an issue that they caused is unacceptable and has been the worst experience I've had working with any company in any industry. We unfortunately can not chose who services our loan in a transfer like this, and being left with LoanCare has cost me far too many hours of my time and has made me worried about my financial reputation even though I have made every payment on time and followed their instruction every step of the way.

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 2022-10-13
Company: EQUIFAX, INC.
State: MA
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:
Hello, In XXXX, my XXXX 's credit card was closed with a XXXX balance due to inactivity. Fast forward to XX/XX/XXXX, there was a default listed on the account for {$4.00}. This {$4.00} charge was not reported to me at any point within the timeframe of XXXX. There were also no defaults listed on any credit checks during those times when I purchased a car, or applied for other loans. 

I called XXXX 's on four separate occasions to resolve this issue to no avail. Since the account was closed, they could not even locate me in the system. I was hung up on twice. The final time I called, XXXX 's advised me that they would be " XXXX '' out the charge since it was so old. I asked them to not do that as I wanted this to be resolved correctly. 

I filed a credit bureau dispute with Equifax and when I received the findings, Equifax concluded that XXXX XXXX was " reporting the information correctly ''. Funnily enough, XXXX 's made changes on my report that show the date the delinquency was first reported was in XXXX. This date was *NOT* previously on the report. In other words, they are retroactively covering their tracks. 

I appealed the dispute and the Equifax representative understood my reasoning and added specific timelines and explanations to the appeal. I just received the appeal findings and the initial results remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, tranunion and XXXX removed 6 fraudulent accounts, please also help me with trans union and XXXX to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded

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