BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-05-29
Company: EQUIFAX, INC.
State: NJ
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:
Equifax, failed to delete XXXX XXXX XXXX  account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and Equifax is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The info about the XXXX XXXX XXXX that supposedly went into default in XXXX is incorrect. The date of first delinquency of that loan is XXXX, There was no payments made for over a year prior to the next enrollment in school. This is going to be a court battle if you do not accurately reflect this account with the first delinquency being the actual first delinquency. Your records are wrong. This loan should have been removed long ago but at the latest by XX/XX/XXXX. Your payment history and delinquency dates are incorrect. I am asking you for the final time before I take legal action to report this loan accurately. I have the numerous investigations done by Transunion which show that this was to be removed XX/XX/XXXX when I asked Transunion when they would remove it since the date was approaching, they resubmitted a request for information to you, where you provided information that was inaccurate ; pushing the removal date from XXXX to XXXX which is incorrect based on 1st delinquency - The previous investigation and records you provided to transunion was that this loan would be removed by XXXX All other reporting agencies have taken care of this 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 non-monetary relief
Consumer complaint received 2020-02-01
Company: Nelnet, Inc.
State: IL
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:
My student loans are reported as delinquent in XX/XX/XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I sent a check with the payment stub to XXXX XXXX in XXXX Fl. This amount ( {$78.00} ) was the full amount due on my XXXX store card. On XX/XX/XXXX I received a letter from XXXX XXXX stating they received the payment stub but no check. I looked at my check register and checkbook. The check was made out and dated XX/XX/XXXX. I then went to the web page of my bank and looked up the status of the check in question. The site had a copy of the check front and the back. The back of the check was endorsed and funds paid. I called XXXX XXXX and spoke to the customer service rep. He continued to insist that the check was not sent. I told him that the bank has a copy of the cashed check. He told me to go to my bank and fax them the copy, he gave me the fax number. On XX/XX/XXXX I went to the bank and had the teller fax the info. On XX/XX/XXXX I once again called customer service and spoke to XXXX. He said that no fax had been received and that I owed the full amount today. He insisted that I pay him over the phone. He would not discuss the fact that the bank has a copy of the cashed check.

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 2020-05-30
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
COAMERICA BANK took so much money from me in fees that I walked away and left them and their ridiculous balance. Id say overall they took over {$1000.00} from me. Their way of banking is different than any other bank I have banked with. It is almost set up to penalize you whenever possible. When you deposit money the bank puts that in first than pays your bills. Not COAMERICA. COAMERICA pays your bills than puts your deposit in. Leaving me with 5-10 over draft fees. I went to the manager multiple times about it. He did reverse the fees, apologies were made. However it continued. I had to take my business elsewhere. I was rejected for an online checking account and pulled my XXXX XXXX report. COAMERICA has reported me for account abuse and a balance of their fees of {$930.00}?! This infuriates me. They are the ones who abused my account. My husband is a witness to this. I want this account resolved and removed from my XXXX report. They can not get away with this. I have never had this problem before. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX  I had so many problems with wells Fargo taking money out, for fees, etc. I eventually closed the account because it was putting me in the negative, and I wasn't even using the debit card

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 2023-06-10
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: Problem with personal statement of dispute

Complaint:
My credit report shows a deduction in my credit score by XXXX, I did it pay off off early to reduce the impact and I had some refunds also pending.

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 2022-04-03
Company: Experian Information Solutions Inc.
State: IN
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 XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.

Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, 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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried contacting Equifax about the hacking of consumers credit report that was reported in the news. Tried unsuccessfully to contact them by phone. I proceeded to go on the internet to read the different articles on what I needed to set up my protection from hackers. XXXX articles stated that Equifax will protect me for 90 days than charge me for an extended protection. Another article said that it would protect me for one year with out charge. The same article also said that I should contact the other two reporting Credit agencies to see if their any problems with my credit and to protected my credit from hackers The only drawback is that other agencies would charge me. I feel I should not be charge for this service and that Equifax should pay since that were hacked. There are other items in these articles that make it difficult to proceed and protect the consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
" GS Bank | Online CD and Savings Accounts www.gsbank.comXXXX Get a high yield CD from GS Bank today! ... the check payable to your name ( make sure the name is the same as on the account ) or Goldman Sachs Bank USA. '' My name is XXXX XXXX - please protect this name when publishing this complaint. 

Tried to open a CD online in XXXX-2017 and was rejected for providing incorrect info. I know that the information I provided was correct. So I called GSBank at ( XXXX ) XXXX and was rejected again. 

Considering the XXXX data breach I contacted GSBank at the # above asking them for the reason for the rejection or for the source of their incorrect info. The Cust Srvc Rep - XXXX - at GSBank told me that he could not disclose the reason why I was being rejected or the source of their incorrect info. 

I need to find the source of this bad info so that I may protect myself as it is possible that somebody could be fraudulently be impacting my personal info. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received XXXX letters from Bank of America stating that I had a XXXX XXXX XXXX account. I never opened this account. I have never used Bank of America. I called the fraud department to tell them that this is a fraudulent account. I was placed on hold for XXXX minutes and no one ever came back on the line to help me. I called again and the same thing happened.

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 2021-05-29
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They have continued to violate my rights under the FDCPA. They call my girlfriends number asking for me at odd hours of the night. Continuous harassment. Rep called me names and put me down because I refuse to pay. Contacted both credit agencys XXXX  and XXXX  to remove these off my report and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Credit Corp Solutions Inc.
State: GA
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:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, 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 information incorrect

Complaint:
As of XX/XX/2021, XXXX, Equifax and XXXX XXXX are reporting inaccurate information on my credit file. The following accounts are being reported inaccurately on each credit bureau. 

XXXX XXXX # XXXX XXXX  - 2 late payments Equifax - 0 late payments XXXX XXXX - 1 late payment XXXX # XXXX XXXX  - 3 late payments Equifax - 1 late payment XXXX XXXX - late paymenXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  - 5 late payments Equifax - 2 late payments XXXX XXXX - 1 late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: PHH Mortgage Services Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with PHH Mortgage and they sent me a letter back " Decision on the Request for Mortgage Assistance '' that I am not eligible according to guidelines of the owner of my loan XXXX Bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed two Paypal disputes on XX/XX/2018 associated with the same transaction. Transactions were for payments, one for {$1000.00} and one for {$450.00} for electrical services to be performed at my house based on a written agreement and provided plans. Electrician did not complete services as stated in the agreement and did not follow provided plan. Plans provided stated that all work performed is to be code compliant. Electrician was subsequently terminated and new electrician was hired and completed the work successfully to code with no issues. I filed a dispute with Paypal on the basis that I did not receive services as stated in original agreement with original electrician. Electrician provided Paypal his reasons for NOT completing the work. Paypal took it upon themselves to deny claims stating that I did not allow contractor to complete work and therefore was still liable for full payment which is completely and utterly false. Paypal also chose to ignore all essential elements of the agreement that were to my benefit and instead pointed to elements of the contract in which they deemed to favor the merchant in their decision to deny my claim. My claims are substantiated with pictures and documentation. Paypal 's policy is to protect consumer from not receiving goods or services as described but failed miserably in doing so in this case and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yes I have been trying to dispute discount over two months now and this is really becoming a problem The account was open due to fraud I never opened this account oh every time I dispute this with the credit bureaus they keep verifying it as accurate the only reason they keep verifying it is accurate because of an address or the address where they are verifying is accurate is a Fraudulent address so i dont know what to do I sent him proof that I dont live at that address I sent my ID my bank statements everything and they still verified it as accurate I fell police reports And under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they have to do a full thorough investigation that means everything and they havent did it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: LA
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 numerous of letters to experian, XXXX, XXXX! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.

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 2022-08-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our loan was transferred to another company during the loan modification process ( XX/XX/2022 ). Now, they are moving up back in the process by denying paystubs saying there are not dates visible or company name visible or even deductions visible. I resubmitted the exact same PDF and they accepted them and moved the process forward and then two days later declined the paystubs again after sending a letter saying the paystubs were accepted. We have called and asked what needs to be done. They have told us to talk to our point of contact, but we can't get ahold of the point of contact. The number is just the toll free number and it goes to everyone. We can't get a definitive answer on what we actually need to do to move the process forward for the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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/2022, I was the victim of a Reverse Wire Transfer scam involving my Wells Fargo savings account. Please see the attached police report and Internet Complaint Center report. The Internet Complaint Center is a division of the FBI. 

Has Wells Fargo taken any steps to identify the perpetrators of this scam? Has Wells Fargo cooperated with law enforcement inquiries? What are the results to date? Please advise. Thank 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 explanation