BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: AR
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:
To whom it may concern :. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please on my accounts that I have circled or an x by please provide that the items are reporting correctly from the Courthouse and not a third party, investigate if every piece of information is correct, and investigate and see if every piece of information is correct reported on the late payments and collections, and if all items are not reporting100 percent accurate, please remove them. One more thing I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my mailing you all have on file where my free credit reports where sent to me. Thanks I will upload my documents. I tried to upload documents but it would not let me select all of them so I will mail documents in first thing Tuesday morning by certified mail with a return receipt requested Thanks

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 2021-03-23
Company: Santander Consumer USA Holdings 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't revived any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage Company is DITECH, XXXX. XXXX XXXX, XXXX, AZ XXXX, Tel. # XXXX-XXXX-XXXX Loan # XXXX My Wife XXXX and I have a Mortgage with Ditech Mortgage Company. Our current balance according t our statement is {$100000.00}, Ditech continues to harass us with the fact they claim our payment is due the 1st of each month which within is technically so. Our loan allows a 15 day grace period and is always paid each month consistently between the XXXX and XXXX in which we do electronically. 
My Wife works for the XXXX XXXX XXXX XXXX XXXX, she receives only one paycheck each month on the XXXX of each month. As soon as the funds are received electronically in our checking account we pay our Mortgage company payment, please remember the XXXX of each month moves. 
I've attached Mortgage Statements due for XX/XX/2019 & XX/XX/2019, please notice the balance due {$100000.00} for both months I mention, according to the XX/XX/2019 statement they are requesting a double payment due by this date. I've verified they received {$960.00} mortgage payment from XXXX XXXX XXXX XXXX on XXXX, XX/XX/2019 still within my 15 days grace period and they don't/wo n't provide an statement to me for XX/XX/XXXX that reflects payment received.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In XX/XX/XXXX I went to the XXXX XXXX, AZ TitleMax location XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Prior to taking out the loan the representative asked about my line of work. I told her what I did and that my compensation included commission on sales made. The representative told me she needed my services which enticed me to take the loan knowing that the commission I could expect by having her become a client ( she also mentioned her XXXX XXXX could use my help and she would be referring them to me as well ). So I took the much needed loan because I expected to bring her on as a client and the commission would cover the loan. However ; after multiple attempts to reach her, she never contacted me back once the initial loan was made. She did however contact me to inform me I could borrow additional funds and explained that she hadn't been in touch because her boyfriend had been ill and she was taking care of him, but now that he was better she'd set an appointment so I could bring her on as a client ( and earn the commission ). I went to their office, they reissued a new loan with the additional money and the representative ignored my attempts to contact them again. For more than a year I paid this company over {$360.00} per month. I paid more than what was owed but couldn't maintain the payments, having fallen ill myself. I expected to have the loan paid off with the commission I would have earned had the representative not mislead me into believing she truly intended to become a client of mine. Had she not mislead me into the belief I'd have her as a client, I NEVER WOULD HAVE TAKEN THE LOAN. In addition, one of the requirements, which is MANDATORY is that you give a 5 star XXXX review just before they complete the loan process. 

Fast forward ... in XX/XX/XXXX my car was picked up and repossessed by TitleMax because they wanted an additional {$4600.00}. More that {$1000.00} over the original loan which. This amount was in addition to the more than {$4600.00} I already paid them. 

They have removed my vehicle from their system but conveniently kept my debit card information. 

WHY WOULD THEY HAVE MY DEBIT CARD ON FILE AND SHOW NO CURRENT OR PRIOR LOAN? BECAUSE THEY ARE UNETHICAL, EMPLOY SCAM ARTISTS, AND FRAUDULENTLY ENTICE CONSUMERS TO TAKE THEIR LOANS THROUGH DECEPTION. Which is reinforced by their removing my loan a This company and their representative should be banned from lending anything to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have complained about this numerous times with the credit bureaus and with the company directly to no avail. This loan is past the statute of limitations for reporting on my credit report. The date of last payment and the date the account was closed was XX/XX/XXXX. Over 9 years ago! The last time it was reported was XX/XX/XXXX which is odd because they are reporting on something that was paid in full, closed and a year after the fact. This needs to be removed from my credit report immediately. 

The account number is Account Number xxxxx 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 2023-08-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/. As such, I submitted a notice to vacate onXX/XX/2023 

Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings. 

Additionally, XXXX XXXX XXXX XXXX XXXX has admitted to closing the account and XXXX has removed the collection from my report. However, EXPERIAN and XXXX refuse to do so, I'm not saying my information is incorrect, I'm stating that the account is incorrectly reported.

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 2023-10-13
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Have a LOC with WSFS Bank. They have filed foreclosure claiming " failure to make any payments in 2023 ''. I have a receipt of payment from them on XX/XX/2023, and they Snatched the XXXX payment along with the XXXX payment. I have the statements to prove it. 
Now XXXX has advised me to get payoff to current, which dismisses my case! The payoff includes their legal fees fighting this fraud case, and the Threat of {$1500.00} Fine and provides for Motion to Proceed for them! 
Their original foreclosure complaint states " no Payments Made in 2023 ''. They have rewritten the record to create one that shows this and have accomplished it by " Snatching Payments '' and " Re-Allocation '' in 2023!. I may have been low on payments as they kept rising, but I made them. This shows they created a new record to gain by foreclosing on my home. This shows what they did and how they did it, to foreclose on my home.hen they were paid internally to the WSFS LOC. This provides for multiple sources of documentation on transfers/payments to WSFS and the LOC. 
I'm XXXX, and on SS which hasn't been keeping up with the interest rates and inflation. I'm going to have to start transferring all of my SS to this and figure out how to get make more. 
I don't have the funds to defend against Predatory Banking Practices, Fraud, and Creating a new Record to enable Foreclosure. I believe this is a Civil Rights issue also with them violating my rights this way I'm not sure XXXX is up to or able to keep assisting with this case.. In which case, I have no protection against this bank 's actions. 
I can provide all documents including XXXX Bank Statements, WSFS Checking Account Statements, WSFS LOC Statements, and every other document they ever sent. Including : a WSFS Payment Receipt for XX/XX/2023, and " account Overdrawn Notices '' on XXXX XXXX after they seized money from my checking account. I'll need to speak with someone about them and personal info contained before sending them. 
I can't deal with this on my own and they have been evasive and blatantly lying to me every time I have called them. These are Unfair Banking Practices and outright fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a complaint with CFPB complaint # XXXX about inaccuracies on my Consumer Report with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX That account results came back Delete but the closed account still reporting past due violations still reporting accurate payment history on a closed account on my credit report.. 
The issue is that the inaccurate account was supposed to be Deleted but still reported please resolve in delete inaccurate account that was listed as Deleted but still reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have a private student loan with Wells Fargo. I lost my job, no longer receive unemployment income, and have filed for bankruptcy. After speaking to Wells Fargo, explaining my situation and asking for assistance no one at Wells Fargo was willing to assist in a way that would work. They told me that they would not give me a modification because I have no income and would not qualify, and even if I was granted a modification I would not be able to pay because I have no income. Additionally, they could not defer my payment because I only qualified for one deferment. It is impossible to get ahead when one is  stuck between a rock and a hard spot. I explained to them that we are a XXXX member family on one income. Wells Fargo 's servicing and collecting tactics border on bullying.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account on my credit report that should not be there. The company has sent me a letter confirming that account has been removed from my credit report. It is still showing on my report and needs to be removed asap. I have attached the letter.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XX/XX/2022 I disputed an account with TransUnion and XXXX about inaccurate information. I sent in court documents stating that I do not owe Any type of debt. The account was sold to a debt collector that's not even on my credit report. I'm not sure how TransUnion is verifying correct information when I'm sending straight facts of documentation.. I have new information from the original creditor asking u to delete this account as of XX/XX/2022 XXXX XXXX account 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 2020-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
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: Problem with personal statement of dispute

Complaint:
I am existing customer with Bank of America. I called and asked if they could give me 0 % balance transfer from a XXXX Card. They said I would need to apply for a new card. I did and was approved for Card # 2 for  {$5000.00}. I called a week later to give them the account I wanted to pat off ( XXXX ). Then then told me they could waive the 3 % fee if I got yet another card ( # 3 ) They said they would blend the 2 new cards into one. Today, I received a notice that I was denied credit on Card # 3, my credit score was lowered 30 points, and if I had a problem I should contact XXXX. XXXX only has automated calls with 2 options : get a report or get a score. I called BOA back and have been sent through 4 people. One told me I shouldnt have opened cards # 2 and # 3, which they  recommended. 
I want my credit restored.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completeky from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted complaints to these CRA 's over 30 days ago and I have been told several times over the phone that they have not received my complaints so I am attaching them for confirmation that they actually receive them and do investigations this time. 

These CRAs think that they are above the law and do not have to comply with Fair Credit Reporting Act nor XXXX XXXX Compliance Standards. Their credit reporting is not fair nor equitable for the consumer being reported on.

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 2021-10-13
Company: AES/PHEAA
State: OR
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 am missing payment counts from XXXX on all my direct loans serviced by FedLoans, and qualify for PSLF. FedLoans says the months were ineligible because no bill was generated. Due to my XXXX income from the year before, I would have $ 0 monthly payments through this time period. I have contacted customer service many times through this process, only to be told that it is under review and to wait longer. It has now been almost two years. My payment count with FedLoans has literally never been correct despite XXXX yearly, working for a qualified employer, having PSLF-qualified direct loans, and never missing a payment due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: MO
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 attempted to work with Experian on the following accounts to request updated payment information on accounts that were never late. I provided documentation and requested information regarding the investigation and was provided NO information besides " the debt was verified, '' or information is accurate with no further information. 

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 XXXXXXXX

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