BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: AES/PHEAA
State: TX
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:
Since XX/XX/XXXX, I have had my auto-debit for my loan account to include the full scheduled payment and an additional {$500.00} solely dedicated to a higher-interest GradPlus loan. Since this time, I have recertified for IBR. The first auto-debit after the new base payments began, XXXX still deducted the additional {$500.00}, but attributed it amongst all of my loans rather than the assigned loan. This WAS corrected by them after a lengthy phone call to correct the matter, but there is no guarantee that I wasnt charged undue interest or that the other loan balances were adequately readjusted either. XXXX attributed the issue to a system upgrade error that they knew of when IBR accounts recertified. 

I have not had issues since the corrected issue in approximately XXXX until my XX/XX/XXXX payment, where the base payment and additional {$500.00} were auto-debited and the additional {$500.00} again distributed to every loan except the one it is scheduled for. There has been no change in loan status, no change in payment amounts, etc. It is inexcusable that I must continually monitor their activity to ensure this THEFT stops occurring, and it is THEFT. It is financial THEFT in the extra interest charged on a higher loan not being attributed its payment appropriately and it is THEFT of my time, which must be spent to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On the following dates I received responses to one of the many disputes I submitted to each of the Credit Reporting Agencies regarding accounts on my reports : XX/XX/XXXX - Transunion, XX/XX/XXXX - XXXX. On these responses the Credit Reporting Agencies stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, XXXX, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to XXXX, Transunion and XXXX XXXX several times since XXXX. Each Credit Reporting Agency state on the credit reports, with the exception of Transunion, the bankruptcy information is being supplied by XXXX XXXX. Transunion does not say this on their report however they say to find out where the information is coming from to go to the website they have listed on the report. I have included attachments of the credit report pages with this information as well as a copy of the Transunion website that shows they are also supplied bankruptcy information from XXXX as well as another third party company.

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 2021-01-13
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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed unauthorized inquiries with Transunion. I stated that I didnt give consent for my credit to be pulled by the creditors I listed in a letter and they sent me back a generic response. Transunion did not investigate my dispute and did not provide proof of investigation.

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 2023-07-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Discovered on XX/XX/2023 several fraudulent ACH transactions in an Wells Fargo account I manage for a XXXX XXXX XXXX. There were a total of 8 unorthorized ACH tranactions for credit card payments totaling {$33000.00} which started in XXXX XXXX 2023. Upon notifying the bank they returned 2 transactions for {$4500.00}. The remaining they told me could not be reimbursed because they were not notified soon enough. The local bank manager put me intouch with another department within the bank and they said they would contact the credit card companies and try to get the remaining money. They were only able to get another {$11000.00} leaving {$16000.00}. After several calls and promises of call backs that never happened and finally last week I was told the case was closed and we would be out the {$16000.00}. The {$11.00} returned was from transactions in XXXX and XXXX well beyond the limit on notifications. We opened this account last XXXX and other than the fraudulent activity their were no checks or credit card transactions. This leads me to believe our information was piriated internally at Wells Fargo. Also there is a remaining tranaction of {$9000.00} that has no institution associated with it and Wells Fargo can not provide that information.

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 2022-10-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER XXXX XXXX XXXX EQUIFAX IS GOVERN BY XXXX XXXX XXXX AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO XXXX XXXX XXXX I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Self Financial Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Beginning XXXX XXXX I emailed my first request for Self to close my account at that time I would have had {$130.00}. left over. XX/XX/XXXX I received an email saying I needed to confirm so their bank would close and once it is done it can not be undone. I sent a confirmation email stating to close account and cancel card. On XX/XX/XXXX I again received an email saying I needed to confirm. I confirmed again and on XX/XX/XXXX I received another email saying I needed to confirm. The same activity occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. By XX/XX/XXXX I'm becoming angry. Self had taken money from what would have been leftover for fee 's and interest. On XX/XX/XXXX I received an email saying that the account was finally closed and card was canceled at this point Self had taken all of my leftover money and began charging me. Last time I saw an email from Self it said I now owed {$23.00}. 
This company claims to help raise a person 's credit score. Whats allowing them to do this to people like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Credit Karma, LLC
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered a new card this year after receiving a new card with same numbers my info was somehow stolen some one has been using my card info to make transactions and withdrawals since XXXX of this year and the credit company told me I can only file up to the date of XX/XX/XXXX or this company only accepted one transaction out of multiple transactions and withdrawals that I could only report before XX/XX/XXXX. I heard that if fraud is reported there shouldnt be a time frame on what I can and not report. This company denied me XXXX times when clearly both withdraws I am on the the other side of town and XXXX of them was at XXXX am the other I was at XXXX and the withdrawal was across the city. Also I have more withdrawals and transactions to report but they gave me a time period on what I can report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Class action law suite will be filed against Experian and XXXX and XXXX if they do not correct false credit reporting Experian was sued for this they know it's a voilation The corts say you can not report a balnce on a cancled debt there is no more balance to report when you cancle a debt Reporting a debt with a balnce owed that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In Baker v. American Financial Services, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In Kunwar v. Capital One, N.A., 2017 WL 5991864, at *36 ( N.D.Cal., 2017 ), Judge Koh allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) Shull v. Synchrony Bank 1:19-cv-00715 BOBBY A. SHULL, Plaintiff, v. SYNCHRONY BANK, and EXPERIAN INFORMATION SOLUTIONS, INC., Defendants . Baker v. American Financial Services, In Kunwar v. Capital One, N.A., 2017 WL 5991864, Shull v. Synchrony Bank 1:19-cv-00715 violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that XXXX canceled Plaintiff 's debt, and thus, XXXXXXXX XXXX continued reporting of Plaintiff 's outstanding debt to the CRAs is inaccurate.

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 2023-07-18
Company: EIC Enterprises
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I can't even get the First Loan website to load but they sent me a copy of a contract from 3 plus years ago that looks like it has my initials on it, but it's a tribal loan at 757 % interest. They're requiring payment by this Friday in order to settle for XXXX something dollars. It doesn't make sense. I think they are scamming me, but I don't know for sure. Also, 757 % interest is illegal in Florida so I don't understand how they could even attempt to collect. Provided alleged contract is attached. But the company seems defunct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
The only reason I found out about this error is because I applied for a mortgage and the mortgage lender said I had to wait another 1.5 years for the judgment to be 2 years old on credit. This inaccurate information has caused me to not get approved and possibly losing my {$4000.00} in earnest money. 

I applied for credit with the mortgage lender and they pulled factual data and then used LexisNexis Risk Solutions to check public data and judgments. The 3 credit bureaus no longer report judgments but LexisNexis does, this is how I was able to see it was on my record and reported incorrectly. 

I went to court in XX/XX/XXXX on a XXXX account that was charged off in XXXX. Before the 7 years was up, XXXX XXXX sold the account to XXXX XXXX XXXX and They got a local attorney to take me to court on an account they charged off meaning they wrote the debit off on taxes then collected for the debit they wrote off. 

When I went to court, I immediately agreed to settle the account for less than half of what was owed. The attorney XXXX XXXX should have immediately sent the release or satisfaction of judgment which would have been dated for XXXX but instead, according to the court house, they sent the release XXXX of XXXX. This caused the satisfied judgment to appear as it was satisfied in XXXX XXXX instead of XX/XX/XXXX. Mortgage lenders require judgments to be satisfied for 24 months which has caused me harm due to the miss reporting from all parties involved. 

Not only was the judgment released 5 years later by XXXX XXXX, but was reported inaccurately to LexisNexis on an unpaid creditor debit that was charged off 7-11 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Foreman Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
Foreman Financial conducted a hard inquiry of my credit without authorization on XX/XX/2019.

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 2021-11-29
Company: EQUIFAX, INC.
State: IL
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 made several attempts to resolve the issues with the credit reporting agencies. There are several accounts, as well as multiple entries listed in my personal information that do not even belong to me. I have submitted an FTC complaint and the credit reporting agencies were also sent a copy in previous letters. I have rights that protect me as a consumer and have notified these agencies of the violations they are committing. Their continued willful non-compliance is unacceptable. 
I am seeking the assistance of the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney General to remove the fraudulent and inaccurate items that are being reported on my personal credit report. 
I am prepared to seek litigation if this final attempt to remove the items goes ignored. 
I will be uploading the documentation that was previously sent containing the items in question. 
Also note that I AM submitting this complaint on MY OWN behalf and no third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX loan modification was approved which had wrong property tax of {$340.00}. 
I have filed enough complaints about property tax either wrong calculated, wrong amount was taken out was and so on. This issue has never been resolved. I had filed a complaint with XXXX XXXX that only partial escrow was corrected. It stated in the response on XX/XX/XXXX it WAS INADVERTENTLY ADDED HOME OWNERS INSURANCE. 
From XXXX until XXXX SLS refused to correct the mess and ITS ONLY TO COVER RESPONSE SLS BACK SIDE ONLY INADVERTENTLY HOMEOWNERS INSURANCE WAS ADDED. 
ITS JUST BALONEY TO STATE INADVERTENTLY CLOE TO TWO YEARS LATER CFPB AND FEDERAL GOVERNMENT HAS BEEN MADE FOOL BECAUSE SLS KNOWS CFPB IS TOOTHLESS TIGER WILL ACCEPT ANY RESPONSE EVEN IF IT IS WRONG. 
After loan modification documents exhibit A {$340.00} property again has been added. Exhibit B after multiple complaint property tax corrected to {$260.00} request was made to correct. 
On XX/XX/XXXX a written request was made to correct by XX/XX/XXXX so loan modification can be signed and returned. Respondent failed and refused to correct property tax amount. 
Despite not returning corrected loan modification responded has been charging late fee for NONE OTHER CFPB BEING TOOTHLESS TIGER. We have been charged late fee while we are in forbearance plan. Charging a late fee without responding to my inquiry to correct loan modification is a violation of FDCPA. Likewise, is violation of FDCPA to charge late fee while I filed written dispute filed on XX/XX/XXXX and no response has been received as of XX/XX/XXXX. 
Its over 45 days I have not received response I have not received corrected loan modification. XX/XX/XXXX I requested to provide corrected loan modification its XX/XX/XXXX I have not received corrected loan modification.

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: Credit Karma, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX and XXXX I was getting a lot of pre approvals from Credit Karm. At first I didn't pay attention to them but Credit Karma kept sending me different pre approvals telling me I was pre approved for credit cards, for car and home loans as well as personal loans, everyday. Everyday, I would see these offers every time I logged into my account to check my credit score I would see these pre approvals. After being told I was pre approved day after day I put myself in the perfect position to apply multiple times. I was receiving so many offers through Credit Karma I started to tell my friends and family that we were going on our first vacation and I found great investment opportunities that we would be using the pre approvals to invest in. I finally applied on or around XXXX and XXXX and got denied Every single time. I applied for XXXX personal loans at {$15000.00} each, I applied for XXXX credit cards at {$5000.00} each, and a home loan at {$20000.00}. Even though I was pre approved for everytime I still got denied. I was distraught, I was stressed, I was very angry and I felt deceived. I was a marketed to for months and the following year. Credit Karma told me I was pre approved every time and this was a lie! I was severely stressed out. I suffered from XXXX XXXX with XXXX that left me XXXX XXXX XXXX XXXX that lasted for weeks along with becoming withdrawn from daily activities with friends and family outings. I became very angry and that affected my daily activities, my daily job, and time with my family. Now every time I see a pre approval I immediately close my phone and shut off my desktop. This experience has made me uneasy, uncomfortable, and untrustworthy of any pre approvals that I have not checked my consumer report as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: EQUIFAX, INC.
State: MS
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 just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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