BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
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: Public record information inaccurate

Complaint:
I submitted a Dispute to Transunion on XX/XX/2022 with following disputes on XXXX XXXX XXXX and XX/XX/2022 I have not received any results or method of investigation, the company also fail to add " remarks " on the account that is been on outgoing disputes. instead a received a automatic letter that make no sense, see attached See attached dispute 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 non-monetary relief
Consumer complaint received 2021-10-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have spent countless hours on the phone with Santander regarding the servicing of my mortgage, which I attempted to remove from Forbearance. Due to a " coding error '' on their part and a subsequent mistake in the timing of the forbearance deferral I am now in default of my current home mortgage purchase, which will need to be delayed by two months. I am in contract and the deposit is currently in escrow. 

I have taken every possible measure to correct this mistake and have other loans which I have successfully removed from forbearance, so this is the only mortgage servicer with which I have encountered such difficulty. Emails have been ignored and phone calls from specialists were never returned as promised. 

The sheer number of hours I have spent over the past 2 months without a resolution amounts to gross negligence given how clearly I have explained the problem without an attempted resolution or explanation on their part and I would like to be compensated for my time and/or monetary damages incurred.

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 2023-11-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A fraudulent unauthorized ( by XXXX ) withdrawal took place on XX/XX/ for {$2000.00} from our checking account. We believe our card was duplicated at some point, as my husband had the card in his position at all times. A police report has been filed with the XXXX, AZ police department. We received a call from a Wells Fargo phone number regarding the transaction. My husband stated that he did not use his card as I just had a total XXXX XXXX the day before and he was my caretaker. We have filed claims twice with the second escalating to the fraud executive department. Both claims were closed without explanation and a refund would not be given. We were told there is nothing they can do. As customers for over 20 years we find this unacceptable!!!

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 monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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 status incorrect

Complaint:
Per review of my student loans, which started in the year of XXXX and was consolidated in the year of XXXX for the PSLF. My qualifying payments were XXXX at {$0.00}. These loans were created for me to attend and graduate Virginia XXXX XXXX. Currently, I have a XXXX XXXX XXXX in place that is pending/processing since XX/XX/XXXX for the Virginia XXXX XXXX loans because of the inaccurate information, fraud, and absent accreditation. Also, during this time I went back to school at XXXX XXXX XXXX ; XX/XX/XXXX, which has placed my current loans in a deferment. I was not made aware of this deferment, or was this information told to me. When I submitted my PSLF application and was approved, I was not made aware that if I was to start college again that my old school loans, that have nothing to do with my schooling now, would be affected. The other inaccurate information is XXXX reporting my school loans on my credit report stating they will fall off my credit report in 7 years which will be XXXX. This is not correct as I received my loan in XXXX and this year of XXXX and month of XXXX, all account information of XXXX should not be reported onto my credit. The reason it states " XXXX '' is because I made a conslidation on my loans but that doesn't change when I got the loans per when I spoke to Experian. Ive already made a status change dispute of this to the credit bureau, and it was processed on XX/XX/XXXX, by XXXX - " Dispute resolved - consumer disagrees. Before disputes were made, on Friday XX/XX/XXXX, I made a phone call to XXXX customer service to ask what my best approach to my school loans at this time would be. This is how I was made aware of the deferment on my account and with no reason why. I asked about my loans being removed from credit and the representative stated, that is not accurate information, after 7 years only late payments fall off. I asked how long a wait would be on a Borrowers Defense Application and received an answer of over a year. XXXX as a company has made it hard to move forward, be knowledgeable about account information, and has failed as company to keep me updated on my own information. Per credit bureau, after 7 years, a school loan does fall off your credit your report. Customer service should not be stating inaccurate information to current students, customers, members or whomever. After receiving the dispute results, I sent a certified letter to XXXX, and only received a signed certified tracking card back. I waited 30 additional days with no payer correspondence. Again, I am asking for just the school loan to be removed from my credit report. 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 2023-11-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took notice to inaccurate information on certain accounts. The accounts goes as follows ; [ XXXX  Account Number : XXXX ] [ XXXX XXXX XXXX  Account Number : XXXX ] [ XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-11-20
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
After being denied approximately XXXX modifications over several years by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and being requested to make payments that were more than twice my original payment during each modification procedure ( my original payment XXXX / ASC requested payments from XXXX - XXXX each payment they said to show that I can afford my mortgage. ) going through the process in which the HAMP program required for participants through their servicer. I requested through an attorney I had hired to see who was claiming to be over my mortgage, after I had heard that my original lender had file bankruptcy and fined for violations of insurance fraud. I also had a title certificate conducted on my property where my attorney found out that U.S. Bank claimed to be the trustee over my property, but also said there were no assignment of any documents or titles on record.

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 2023-06-20
Company: EQUIFAX, 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:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: CA
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 sent a letter on 3 credit bureaus to remove the unverifiable items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently looked at my credit report and saw this company Credit Collection Services reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. Credit Collection Services violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30 days of receiving the initial notice. I expect a speedy response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
I received an unexpected recount of XXXX XXXX counts on XX/XX/XXXX that I do not fully understand. The date of my estimated eligibility for XXXX is now further in the future and instead of having 2 estimated dates for forgiveness, I now unexpectedly have 3 estimated dates for forgiveness when I believe nothing has changed on my account since I was last informed of my estimated dates for XXXX forgiveness back in XX/XX/XXXX. 

For example, in XX/XX/XXXX, a letter indicated that I made XXXX XXXX  Eligible Payments or XXXX XXXX Qualifying Payments on Loan Sequence 1, giving me an estimated XXXX eligibility date of XX/XX/XXXX. In XX/XX/XXXX, I received a letter indicating that I made XXXX PSLF Eligible Payments or XXXX XXXX XXXXualifying Payments ( both of which indicate a higher number of payments being applied/eligible to be towards XXXX ). Despite the fact my payment count is higher, my new estimated eligibility date is XXXX/XXXX, 6 months later than the letter originally sent in XX/XX/XXXX. This does not make sense - making additional qualifying payments towards XXXX should not push the estimated forgiveness date further into the future. 

The same issue affects every loan sequence. Loan sequences with an original estimated eligibility date of XX/XX/XXXX now list an eligibility date of XXXX/XXXX, with the exception of several cases ( loan sequences XXXX, XXXX, and XXXX ) originally listing an estimated eligibility date of XX/XX/XXXX, but now listing an eligibility date of XXXX/XXXX ( instead of XXXX/XXXX like the change made to the loan sequences 1 and 2 originally with an estimated eligibility date of XX/XX/XXXX back in XX/XX/XXXX ). Loan sequences with an original estimated eligibility date of XXXX/XXXX, now list an eligibility date of XXXX/XXXX. This does not make sense. I do not understand why my XXXX eligibility is being pushed further into the future when my payment count has been increasing. Additionally, I do not understand why Loan Sequences 6, 8, and 10 now differ from Loan Sequences 1 and 2 when they previously did not differ. 

I would like an explanation as to why a ) my estimated dates for XXXX forgiveness are now further in the future and b ) why the estimated dates for forgiveness now differ between loan sequences 1, 2 vs. loan sequences 6, 8, 10, when there was no difference between these two groups in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021.

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 2023-11-10
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis, Please update my report with my attached contact details. 

Once complete please email or mail me the updated report. 

Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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 disputed errors that were made to my Chexsystems report. There were several unauthorized inquiries on my credit report. I requested that they be removed, some were left on my report, some were removed but then put back on, without reason or explanation. The dates of the inquiries were also changed to more recent dates, which would allow them to be on my credit report for a longer than necessary period.

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 2023-05-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
At the beginning of XX/XX/2023 without my authorization ( no signature ) or prior notification Chase Bank " removed '' ( see attached ) my XXXX Sapphire Checking account from its linked status with my primary Sapphire Checking account XXXX and " replaced '' it with another account. Since I did not know that XXXX had become unlinked it no longer met the Sapphire balance requirement and began to be charged a Monthly Service Fee of {$25.00} for XXXX, XXXX, and XX/XX/2023. I brought this to Chase 's attention when I discovered the fees in XXXX. Chase would only give me {$25.00} back stating that is their policy of only one fee reversal a year. I went to my branch and spoke with a client represent, XXXX, who also could not reverse the {$50.00} total charges even though it was not my fault that I received them. To stop further monthly charges I had to change my XXXX from the much more premier Sapphire Checking into a low tier account of Total Checking. Since I did not authorize the XXXX Sapphire " removal '' I want Chase to refund the remaining two {$25.00} Service charges ( for low account balances ) back to my XXXX account. I realize that {$50.00} is not much money but to me it is the principle of trusting one 's bank with your money, since Chase bank did not perform its fiduciary responsibility in my regard by failing to contact me beforehand about changing my XXXX 's checking account status but acted on its own discretion. Thank you for your help.

Company response to consumer: Closed with monetary relief