BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Wells Fargo did a money wire to XXXX in New York for XXXX XXXX XXXX. I purchased a car from XXXX XXXX XXXX for {$57000.00}. Turned out XXXX automotive is a shell company used for laundering money. I notified Well Fargo XX/XX/XXXX of wire fraud. They notified XXXX. XXXX said they transferred the money already to XXXX XXXX. Wells Fargo said nothing can be done and closed the wire fraud claim. Thats not acceptable. I called the and requested an affidavit for fraud and forgery. They have been unresponsive to my requests. They said theyd send me the documents why they closed the case. I am the one that notified them of XXXX XXXX being a fraudulent company. I asked for the XXXX address and phone number in New York and they said they would check on that. They have the bank routing number. They are not doing their job in wire fraud. It is a federal offense. I have notified XXXX County Sheriffs Department, file with the FBI, files with the State department, filed with the FTC for the state of California, notified the PD in XXXX Kentucky, notified the Kentucky State Department and the FTC for Kentucky. All say I have a case for fraud. I have all documents available if needed. I just would like a little help from the bank. Can you help me?

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, TransUnion, and XXXX  pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. Experian shows paid when looking at the account status, Transunion shows that it is closed and XXXX  shows paid. To me, it does not seem to THAT XXXX TransUnion nor XXXX verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I live in New York where by now everyone are aware how expensive it is, and only people that are making a lot of money can live here but I cant afford to move anywhere else and I have XXXX which is very serious and Im working really hard and still cant make ends meet. I live in the project, trying to move one day, all Im around is XXXX  and cigarettes smell, mold apartment, and lots of roaches. I wish I could get some sort of help with paying off my student loans and credit cards too but Im at a lost because I dont know where to turn and I worried so much Im getting sick. I want to work a lot of hours but it is affecting my health and Im slowing down right now and needs help, please, please, Im literally crying for help. Please!

Company response to consumer: In progress
Consumer complaint received 2021-05-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2021 I paid my loan off with Wells Fargo. A week later I received my title and a letter stating that my lien had been satisfied. A month after that, Wells Fargo sent me a generic form letter that stated that they had a " banking error '' and that they needed to redraft my account. When I called Wells Fargo to request a debt validation letter, the flat out refused. They still are refusing to this day to provide me with this. My understanding is that if a person requests this, the organization attempting to collect said debt is legally compelled to provide this. 

After 42 phone calls, and 6+ hours I have had 0 luck. They also, several times, have refused to provide any proof that I am actually talking to wells fargo. I would like someone to check in to this. A bank that literally averages {$1.00} XXXX in fines a year is not to be trusted and after exhausting every avenue I have, I need help.

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 2021-05-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I applied for a Making Homes Affordable modification. I was a victim of predatory lending. During this time I was with XXXX XXXX now XXXX XXXX XXXX. I received the Making Homes Affordable modification and the 2nd lien was charged off due to being a predatory loan. ( Bank fraud ). Then 10 years later SLS contacted me in early XXXX and stated I owed the an even larger loan placed me in to foreclosure. This happened at the same time my husband caught XXXX and became extremely sick. I also had to have 2 medical operations during this time. We are both elderly. XXXX & XXXX XXXX XXXX. 

We are unable to come up with upfront money that has been requested by SLS. We are requesting a modification to make monthly affordable payments. We want to avoid foreclosure and loose our home we have lived in over 20 years. Please review our modification package and help us save our home.

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 2023-10-10
Company: EQUIFAX, INC.
State: TX
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am very disappointed with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. Please help!

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 2015-08-25
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good Afternoon, I am in foreclosure in Massachusetts. 
I lost my job in XX/XX/XXXX, and fell behind on XXXX payments. I believe I was up to date in XX/XX/XXXX, but Nationstar mortgage did n't cash my mortgage payments for XXXX, XXXX and XX/XX/XXXX, then they put me into foreclosure. They sent me back XXXX of mymortgage payments not cashed, XXXX, XXXX and XX/XX/XXXX? I have been speaking with a representative from Nationstar about a modification for over a month now and now he wo n't answer his phone or return my calls? This is beyond frustrating. I am not sending them any money. 
They send someone to my house to put a note on the door telling me to call Nation Star, which they add to what I owe them, and they send this person a couple of times a week, and expect me to pay some ridiculous high fee. 
Is n't there some law were mortgage servicers are suppose to attempt to help a home owner stay in there home? 
Nation Star services mortgage for low income people and finds every possible loop hole to charge us exorbitant fee 's and interest rates. 
Nationstar is a servicer of mortgage payments, meaning they only handle the billing of mortgages, they do not provide loans for people to get mortgages. Nationstar is putting people into foreclosure because they do not get paid until the loan is paid off, so if they put consumers into foreclosure and the property is sold and they get paid in full once they have the properties title. I have contacted the Attorney Generals office in Massachusetts and they have been of no assistance. Thousands of peoples homes have been put into foreclosure and no one is coming to the aid of the American consumers. 

Any help or guidance would be GREATLY appreciated, XXXX XXXX XXXX XXXX, Ma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2021-05-27
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:
Experian and XXXX has continuously and falsely verified this alleged account. Both Experian and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2023-11-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2021-05-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent the following letter to all three major credit bureaus via certified mail. With no proof of items disputed recieved back. I am asking for a deflection due to no response or proof of items letter sent below. 

XX/XX/XXXX Hello, This is a formal complaint because I am extremely upset and confused about the information included below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please obtain and provide the following Original Contract Payoff Disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please delete this misleading information if the items above can not be supplied. Please supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.

Under federal law, you have 30 days to complete your investigation.

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX Soc # XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX communications ) Account Number : XXXX Account Name : Online Information ( XXXX XXXX XXXX XXXX Account Number : 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 2022-02-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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