BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
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 status incorrect

Complaint:
XX/XX/2019 To whom it may concern : I would like to file a complaint against Experian credit reporting agency, this credit reporting agency for years has intentionally continued to report inaccuracies to my credit file. 

Experian has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

They have continued to report false fraudulent late payments onto my credit file, and they have told me by telephone, as well as they have written to me letting me know that they were not going to investigate nor dispute my complaints regarding the fraudulent late payments that they continue to report on my credit file, regarding my mortgage loan with XXXX XXXX. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my credit report. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Experian insists on maintaining onto my credit file. 

Experian credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 

For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan ; and when I speak to either company, the fraudulent reported late payments get worse. 

It has gotten so bad, that although I have the letter I am enclosing from Experian dated 2019, from speaking to their representatives on the telephone, namely Mr. XXXX XXXX, from what I have been getting during the conversations, and from what I have been seeing from the credit reports that I have received from Experian, they have not been following up on any of the disputes that I have made to them regarding the fraudulent false late payments reflecting onto my credit file, they have not followed up for some time. 

For many years now, Experian has reported all sorts of fraudulent false status information regarding especially, my XXXX XXXX  loan, and other loans as well. 

For years now, whenever I have disputed the false, fraudulent information, between the Mortgage Company and Experian, they have both done more, and more deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Experian is reporting is untrue false information ; and I have had all sorts of issues with inaccuracies from them, as well as the mortgage company, and I want my mortgage loan, as well as my credit files corrected once and for all.

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 2023-10-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reference # XXXX Amount of XXXX sent on XXXX XXXX had to dispute by call or writing to them by XX/XX/2023 I did not open this notice until today XX/XX/2023 i had covid got very sick.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An unknown report inquiry appeared on my credit profile and I had to pay XXXX a month to XXXX XXXX. What a nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Excessive overdraft fees I don't have dates im sure they can look them.up

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 2021-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

FRAUDULENT APPLICATIONS SUBMITTED TO XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX ON XX/XX/2021. 

XXXX APPLICATION WAS SUCCESSFUL AND WAS CHARGED {$200.00}. 

OTHERS DENIED. 

4 FRAUDULENT HARD CREDIT INQUIRIES ON MY CREDIT REPORT AND NEED TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Utah System of Higher Education
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am off of Probation and in good standing with UHEAA. I called and spoke with XXXX to see what I needed to do, going forward. She explained I needed to restate my payment plan and I advised her nothing has changed and I would like to keep the payment the same. She explained she would send me paper work I needed to fill out and return. I received the paper work filled it out and stated I would be doing the Standard repay - understanding that my payment would stay the same. A short while later I get a notice that my payment is late. And, then I get a second notice that my payment is late and I am thinking they didnt receive your payment. I called and spoke with XXXX, he stated that UHEEA received my payment XX/XX/2019. So, I asked whats the problem- he said my payment went up to approximately {$190.00} - I asked why and explained to him - when I spoke to XXXX that explained I want to keep my payment at {$110.00} and I filled out the paperwork she sent me and sent it went my check. So, how can I be late? He put my account into forbearance for two months, I dont want my account in forbearance - When I send my last payment I sent the Forbearance letter back to them stating take me off of Forbearance. I asked him other questions as well, regarding holding my tax refund - he told me I would have to speak with a my tax guy! I tried to explain my question two or three times - he still didnt understand. Also, when I call UHEEA for information about my account, I get a recording to put in my SS and birthday - I put the info in - also my info pops up on their screen so they already know who is calling - then when someone picks up - Im asked to verify my info again - if I dont give it to them they refuse to help me - I feel this is extremely excessive and borders on harassment - of course UHEEA will say they have to verify who they are speaking with - who in their right mind calls UHEEA just to chat? Really? When the reality is -I have received different info with every person I have spoken with - no one knows what they all doing - except to verify a person who is calling about their account? I have seriously wondered if they hire High School Students or if the people are XXXX XXXXXXXX and Im not kidding!!! - nothing is consistent and refusing to give me information about my account after being verified at least 3 times? Its absolutely a ridiculous and a waste of time for them and me. I called once and the recording says there are busy leaving your name and number and we will call you back - UHEEA never retuned my call - the people in this company are absolutely incompetent! And Im tired of it. I just want to be sure Im doing what I need to do and UHEEA makes it horribly difficult!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023.

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 2020-12-17
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from a group called Sunrise Credit Services. XXXX XXXX XXXX ( XXXX ) dated XX/XX/2020, supposedly seeking to collect on XXXX $ owed to XXXX. 

XXXX actually took the money directly out of my account. ( It's a charge that I dispute, for equipment that was taken by a technician during a repair last year. I therefore could not return XXXX XXXX equipment when I moved recently - since XXXX already had the equipment. However, it has been paid, against my will. ) I am filing this to document the fraudulent letter from Sunrise Credit Services , Inc, claiming that I needed to call their automated phone payment system at XXXX, and that they would report the account balance to one or more national credit bureaus by XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: RI
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX 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 2023-02-03
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:
I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today, on XX/XX/2023, I needed to transfer {$250.00} out of my Chime account to a non-Chime account, then to use at atm so I could access the money to pay a very important bill. 

I have had issues with card skimming and bank issues previously so I wanted to transfer to protect my Chime account. 

I used the Pay Anyone feature to send it to my roommate to pay the bill. His card wouldnt verify, so the {$250.00} was refunded. 

I then tried to then transfer the {$250.00} to one of my old debit cards. I entered my secondary phone number, XXXX and hit send. 

I did not get a confirmation email or text message showing I sent the money to my number or that I could withdraw the money. Instead, the next page showed it was sent to someone elses account entirely. 

I immediately tried to contact Chime and dispute it, as well as request the money back from the unknown person. Chime denied it due to it being an instant transfer that I myself initiated. 

They also said they can not see the number or anything other than a partial name of the other party, and it looks as though the other person who now has my money wont return it. 

They will not help me get my money, though they said they are escalating for an appeal, but their website terms state they can not do anything. 

I ended up having to use money I needed for my other bills to pay my electric bill, as well as having to use an atm. Now I dont know how secure my account is or if I will be able to afford my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Premier Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in the process of obtaining a refinance of my current home mortgage with a mortgage company called The Premier Mortgage ( XXXX # XXXX ). This process was started all the way back in XXXX, XXXX. I have submitted all of the required documentation and was in regular communication with the loan officer through late XXXX, XXXX. At that point, all communications with the company stopped, despite numerous voicemails, emails, and text messages sent. 

I was told by the mortgage officer that my loan was ready for approval in a phone conversation on XX/XX/XXXX. Since then, I have learned that the loan officer that I was working with has left the company and he is unaware if the company has reassigned his files to another officer. Again, I have tried at least 10 times within the past 2 weeks to call or email the company, with absolutely no response from the company. 

I have already spent {$540.00} out of pocket for an appraisal of my property ( paid on XX/XX/XXXX ) and am now at the point where that money has been completely wasted unless the mortgage company reengages with me and the loan moves to closing. I feel that this company 's lack of professionalism and follow-up is appalling and I'm hoping that something can be done about this as soon as possible.

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 2021-01-15
Company: EOS Holdings, 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: Information belongs to someone else

Complaint:
Dispute was filed with XXXX and XXXX online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX and XXXX and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from EOS CCA stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately XXXX XXXX.Association of XXXX in collection by XXXX {$100.00} has not responded. XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-11
Company: First Technology Federal Credit Union
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The car was deemed a total loss, and they refused to cash the check my insurance sent them for a year, they sent a tow truck to my brother house to repossess the car that was sitting in the salvage yard and then turned in that the repossessed the car and they never did to negatively affected my credit, the debt collector wouldn't return my calls and wouldn't let me work out a way to pay off my debt and never sent me the information to dispute the debt and neglected to tell me i could do so. this account is no longer in collections and i would like it to be removed from my credit due to the reasons stated before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Rushmore Loan Management Letter dated XX/XX/XXXX states balance of {$2600.00} to paid before XX/XX/XXXX. Unable to make payment was told my loan was sold XX/XX/XXXX to Rushmore Servicing and they do not have information prior to XX/XX/XXXX - their balance is showing {$3200.00} I need to speak with someone regarding reciliation of payments and why are the late fees so high - this was never the amount previously - over {$100.00} a month I've called Rushmore Loan Managment for the last 2 days at XXXX and the number is not working. 

I've been asked to send my issue to the new servicer and they will help get a response : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: PLANET HOME LENDING, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
i dont have a account yet will set one up but i have a home that a quite title is filed on and my father passed leaving me the home and clear of any payments due he has passed away and the lending insurance claims that they are a bank and that they lent him money that he owed a debt of equity when its on irs and tax acessor file that he only owes tax on the home so i will be setting a tort claim to all cloud or claimers to home for tresspassing on private land i ask for themas  a bank who dose not lend money but credit so where is the monehy coming from if he did not produce it but the promise to pay has paid everyone twice

Company response to consumer: Closed with explanation