BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: NY
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:
Good day! 

I received your information through the FTC and also the XXXX  XXXX  XXXX  service authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! XXXX bless!

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 2021-02-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to you concerning an {$3600.00} escrow overage in my Wells Fargo mortgage account that they are refusing to disperse to me. I had applied for a Senior Homeowner exemption in 2020 for my local county ( XXXX, XXXX XXXX and was granted the exemption, thus resulting in the escrow overage. 
Additionally, I applied for and was granted a mortgage covid relief suspension, offered by Wells due to the ongoing pandemic. My income has suffered in 2020, by almost 45 %, and my Social Security isn't helping me cover my expenses. I've had this mortgage with them for over 10 years and have always been on time with my payments. 
So, I don't understand they will not disburse me the ooverage escrow funds. The funds were in escrow, but they are acting like my account is delinquent, which it is not. 
This is not right to treat a senior citizen this way. Please review my account and disburse me my money. 
First, I contacted Wells Fargo directly and was refused. Then I wrote to my congresswoman who received an refusal from a case specialist XXXX XXXX. Thank you for any assistance you can provide.

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 2021-01-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
There is an auto loan opened under my brother 's name that is appearing on my report. Despite numerous attempts to amend this, XXXX  XXXX XXXX has not fixed the issue and continues to report it to my account.

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 2020-08-01
Company: ProCollect, 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: Problem with personal statement of dispute

Complaint:
My wife and I were tenants at XXXX at XXXX XXXX  in XXXX XXXX, Texas. We expressed concerns via telephone and in person to the apartment management about our upstairs neighbors disruptive behaviors. They were loud ( music and parties ) during weekdays and weekends. Very frequently they had visitors and they were using our paid covered parking space ( picture attached ). We called the after hours phone number to report the incidents. We also notified management in person. Both of us have XXXX problems as we have mold XXXX. I suffer from XXXX and we had visible mold on the shrubbery and trees at both entrances which made both of us sick. We had a palm tree on the back entrance blocking our way and it was never trimmed ( attached picture ). 
The trash collection area was not kept clean, the mechanical box was not working and it was full most of the time. So, tenants were placing piles of trash bags on the floor ( attached picture ). Our apartment was just a few feet from the trash area. The smell was very strong and there was lots of flies. It was a very unhealthy condition. Due to these issues affecting our health and management not resolving our complaints, we decided to buy a house and move out ASAP. We notified management in writing of our early move and the reasons why we needed to terminate the contract. Management sent us an email stating that we needed to give them a 60 day notification plus pay for the early termination lease contract even though it was not any fault on our own. They failed to correct the problems reported to them several times. We paid every month of rent and left the apartment in good and clean condition. We also gave them written notice of early move out.

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 2021-02-05
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage refinancing started XX/XX/XXXX. 
Mortgage loan XXXX was XXXX XXXX. 
Then in XX/XX/XXXX other loan officer started working on our file her name is XXXX XXXX. 
Now nether of them answering calls or responding on emails. 
Its been 6 months since we started refinancing and its still not done. 
How long we going to wait the result? 
Thank you. 

XXXX family.

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: NY
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account was closed. This trade line keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX transferred my student loan to Firstmark Trust Services using dated information. I moved and was not receiving any of the bills or statements from the company. Because of this, I missed a payment and now my credit score has been severely impacted. I called to try to fix the problem and the customer service agents had an attitude and were unhelpful. I have never missed a payment on anything in my life and I feel like I am being mistreated and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank has been calling me from unknown numbers 7 times a day throughout this week since my payment became late on XX/XX/2023. I asked them to not call me excessively and that late into the evening, and they stated that they are allowed to call as many times as they want as long as its between XXXX and XXXX and insisted on that when I repeatedly asked to not be called excessively as it feels like harassment. I have missed calls for job interviews due to avoiding the phone because of their excessive calling from unknown and random numbers. They do not even verify that Im the right person when they call, just ask for my first name and go straight to demanding payment. I told them that I would pay the bill as soon as Im able on my next pay day, but they were at that point still insisting that they would call as much as they wanted to. They only relented and said they would stop when I said I would seek legal help with this is they did not stop. The amount owed is less than {$100.00}, I should not have to deal with days of harassment and rude phone calls when I am already agreeing to pay the debt as soon as Im able and kindly requested not to be contacted excessively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: Bread Financial Holdings, 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Department of EducationXXXX, Comenity Bank/Victoria, and XXXX XXXX XXXX  XXXX. The Account Opened is Department of Education/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is Comenity Bank/Victoria Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.

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 2023-03-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When I opened my account and afterwards made my 1st payment ( for the full statement balance ) I was sent an email later hat day and another one a few days later confirming my payment.

But, a few days later I was notified that I had not made any payments yet. Wen I called Synchrony I was told that there had been a problem routing my payment, so I made a payment over the phone and they agreed to remove the late fee and interest charges. 

Since their notification regarding my payment problem likely came only after they had prepared next month 's statement, it did not include a credit to allow for my payment over the phone. It was therefore not clear to me how much I had to pay by next time to avoid interest charges. I received no revised statement and so I had to guess how much I would have to pay so as to not have tp pay any interest.

Next day, after the {$200.00} or so that I paid was credited I saw no sign online of what my revised payment to avoid interest should be.and ditto when I phone them ( tedious automated system ). Both their Website and phone system indicated NO payment due. 

I just spoke tp someone at Symphony and was told that they would remove the interest charge as a " courtesy ''. I was also told that I should have paid the FULL statement balance in my previous statement - even though it was about {$600.00} over what it really was! And this from a so-called " supervisor ''. 

Synchrony has messed-up at least twice now!

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 2023-06-06
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2021-02-05
Company: Supreme Lending
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in approx. mid XX/XX/XXXX, i selected Supreme Lending. after several months of sending paperwork, forms, financials, bank statements..etc, they had no updates and no progress. each month they requested additional updated items, but still no progress. 
after several month, being first week of XX/XX/XXXX, i asked for an update and status. no reply. on XX/XX/XXXX, i did so again. with no replies. 
On XX/XX/XXXX, i asked them to haul with whatever they were doing and i was going to go another direction as i thought over 6 months with no updates or progress was ridiculous. 
i requested that they send me all of my financial, personal and business forms that we had sent them so i could start this with another group. they simply replied with No. we don't do that. 
i asked them to send the forms to me within 48 hours so i could go another route and needed the documents i had sent to them. they have never replied or sent the items. 
this firm is extremely unprofessional, very disorganized and does not know what they are looking at as far as requested financial information. they do not communicated and are procrastinators beyond my understanding. 
i hope that reporting these issues is something you can resolve and save future issues with others. i will take on the big expense of starting all over again. regards. XXXX XXXX

Company response to consumer: Closed with explanation