BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, Experian and XXXX have been reporting a bankruptcy on my credit file for 7 years ago. I have asked them both how they verified this information. Both bureaus replied that they used XXXX XXXX to verify this information. I disputed this bankruptcy item with XXXX XXXX and on XX/XX/2021, I received a letter from them stating they have removed the bankruptcy item from my report. XXXX XXXX has removed this item but Experian and XXXX refuses to delete the item from my credit report even though I have sent them proof that XXXX XXXX has delete the unverifiable item. Please see the attached documents.

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 2019-10-08
Company: Selene Finance LP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX at Selene Finance tells me that my short payoff was denied but refuses to put in writing. We know this part of the fraudulent appraisals scheme and request the decision in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: WELLS FARGO & COMPANY
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX to present..Wells Fargo, we had a Private loan with XXXX for {$15000.00} that {$15000.00} went to {$18000.00} Wells Fargo says we have another loan transferred from somewhere else for {$10000.00} which turned out to be {$13000.00} we have been paying on this loan for 8 years now and it is still {$25000.00} I want to know what gives the right to sell my loan with the accrued interest rate also? And then where did the {$10000.00} loan go to, where did it come from? I have check all my bank statements and the only one I can see accounted for is the {$15000.00} loan that was transferred from XXXX. I have another Private Loan through XXXX now, which was XXXX XXXX and it is for {$10000.00} that was suppose to come from XXXX. I called and asked my School for a report of all the loans that were taken out to go to this school and the lady was a XXXX XXXX. and told me to go to XXXX, they only report what they are told through all these companies. And their report is something totally different, than what is being reported through these loan companies. And then I have a subsidized loans that I believe XXXX has charged me their {$22000.00} that I had borrowed back in XXXX for XXXX XXXX University, and now I have another {$27000.00} loan, all my loans were with XXXX and they sold all my loans to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and who knows what else. But they all go bundle together X2, I am no accountant, by my student loans went from {$22.00}, XXXX in XXXX to {$89000.00} at the end of XXXX At which XXXX also took out a {$4000.00} loan in XXXX of XXXX and I wasn't attending school since XX/XX/XXXX, due to failing and then they wouldn't let me back into school, I was deafly sick and eventually ended up having XXXX, but because I had dropped the program 2 times I wasn't allowed to go back to school. I have a statement from XXXX showing that I had only borrowed total amount {$16000.00} - $ XXXX does not equal out to {$89000.00} I have called all these companies and not one of them can send me a signature copy or contract of any of these loans, with the exception of the {$22000.00} ad {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXXBalance Owed : {$320.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I cant login to TransUnion. Ive tried so many times this week every which way possible. First it tells me that I have an account with them already created that I need to login but its not recognizing my login info so I asked to do a reset to reset my password, and then I asked me for my last name and my Social Security number and then, when I give my last name and Social Security number, and then tells me that my last name in my Social Security numbers, dont match up. Obviously, this is not true! I tried to do chat with the platform through the app and through the website and the robot tells you that you need to login before you can chat and since I cant login I cant chat. So then I called to ask for help and when I called, I was put on hold And after XXXX minutes hung up on. Ive called XXXX times in the last week and I cant get anyone on the phone. I need to unfreeze my TransUnion account so that I can apply for a loan and I cant get into TransUnion using the mobile app or the website and theyre not recognizing my information and theyre telling me my information is wrong and I cant get anybody on the phone to fix it. I need to unfreeze that account and I need access to my TransUnion account info. I also am disturbed that the website in the mobile app is telling me that my Social Security number is wrong and its not wrong because Ive had the same Social Security number since I was born. I need to unfreeze my TransUnion so that I can apply for a loan. I have no way to reach TransUnion as Ive tried every which way possible and they are unreachable. The other problem Im having with TransUnion is that at one point the screen opened up that said that I had to start an account with the transition website to access my information so then I would try that way to start up a new account and then I get a prompt response saying you already have an account with us please login using your login info. So I also tried that way as well, and I still cant access it or get into the website. The last thing I want to point out is that another screen popped up at one point and it said in order for me to access my Social Security information and freeze and unfreeze my account, I have to pay to subscribe. I need my TransUnion account unfrozen if its actually frozen and I need access to my credit report through TransUnion. Can you help fix this problem because theres no way I can fix it on my end as the company is not reachable. Thank you!!!!

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 2023-08-30
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX DELAWARE XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/XXXX according to XXXX Certified Mail Experian received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.

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 2022-01-12
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not receive any information about debt. Credit reports only state debt if from XXXX XXXX I can not verify debt is legitimate. Please provide date of service, what services were for, a copy of original bill and a copy of signature for services. If can not provide any information or verification of debt please remove from all credit bureaus asap. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in respect to a mortgage payoff with Nationstar Mortgage LLC ( d/b/a Mr. Cooper ). In a recent closing on XX/XX/XXXX, the title company paid the payoff amount XXXX {$390000.00} XXXX on the payoff letter provided to me through the Mr. Cooper website. There was apparently some shortfall XXXX the source of which is not entirely clear ). Rather than applying the {$390000.00} to my account on XX/XX/XXXX, Mr. Cooper claims their policy is to suspend the amount anytime a payment on a balance comes in that is over 90 % of the amount due until such time as the remaining amount is paid. I find this practice to be inappropriate, as Mr. Cooper continued to charge me interest on the full principal balance of {$390000.00} for a full week until I identified the issue ( of which I was not contacted about ). Rather than applying the amount paid on XX/XX/XXXX to the principal, their " policy '' is to effectively take the money as an interest free loan AND continue to charge their customers on the full pre-payment principal balance, notwithstanding the huge lump sum payment they just received in respect of the applicable account. I find this practice to be predatory, as consumers such as myself may not be aware the payoff was short ( even {$1.00} XXXX and then continue to incur interest on an account that has been largely paid off. If Mr. Cooper wants to charge interest on the amount that was short, I have no issue there. Their practice is not fair and it is not properly disclosed on any documents I have seen. In fact, on their payoff statement, there is an FAQ section and the question on wrong payoff amount ( copied below ) says that they may send the money back if it is short, but does not say they will hold it as unapplied. If they chose to send the money back, then I would have found out about this issue sooner and it would have been resolved within a day ( and less interest would have been charged ). 

What happens if I send in the wrong payoff amount? 
If your payment is short and you have an escrow account that will cover the difference, then we will apply those funds toward the payoff. If you dont have an escrow account or the balance is not enough, then we will attempt to contact the sending source to satisfy the payoff. Please note, if this falls after the payoff date deadline or we can not contact the sending source, then a refund of the total payment amount will be issued back to the original source. For this reason, we encourage you to pay the amount that is stated on your payoff quote. 
In the event of any overages, you will automatically receive a check for those differences once the account has been balanced out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX I transferred from Wells Fargo {$5000.00} from my checking account to my XXXX XXXX XXXX account. Today, XXXX I wanted to transfer another {$5000.00} but Wells Fargo restricted me to a monthly limit of {$6000.00}. I called to ask why and they could not provide an adequate response at the customer service level. My call was escalated and pending a call back but I felt it was important to report this issue. I feel, this is my money and I should not be restricted using online transfer capabilities between my accounts as I see fit for my financial wellbeing. Using other means such as a check or wire or other methods is a waste of time for me since online transfers are fast and efficient.

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 2022-01-31
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:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Reporting the information is coming from the court house when its not its coming from a third party that is reporting under the us bankruptcy court name

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: OR
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 have reported several time to Experian credit reporting agency and XXXX XXXX XXXX XXXX that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This account has been reported as part of BANRUPTCY FILLING AND/OR DISCHARGE in court case XXXX XXXX XXXX  It is Required by STATE LAW that not payments should be required at any time. 

Experian credit reporting agency and XXXX XXXX XXXX XXXX have Violated the State Law and 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.by reporting in my credit file that I own Such a debt. 

XXXX XXXX creditor has communicated with the above credit bureau about this issues with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
But the XXXX XXXX XXXX Ignores the Law by negligence and continues reporting negative inaccurate information on my credit file. 

Violating my consumer rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX has admit that I'm a victim of identity theft I had contacted the creditor multiple times at XXXX and they agreed to remove the Account XXXX XXXX XXXX XXXX from my credit 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 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2023-08-29
Company: EQUIFAX, INC.
State: TX
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:
This is Several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX Balance : {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 
Experian, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies 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. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 explanation