BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
STARTED WORKING WITH XXXX XXXX XXXX AND MY CREDIT WAS IN THE XXXX THEN. THINKING I CAN BORROW FHA AND HEROs. A few points off I was referred to a CREDIT FIXING CO. WITHIN 30 Days.and I have been working on my own credit for a yr. AS PER XXXX  XXXX..Im back to XXXX. I was referred. These ppl are predators they have NO BUSINESS dealing with the public. Credit repair co wants approximately 200 per mo from r the next XXXXour months. BUT PROMISE TO HAVE YOU IN A POSITION TO MAKE AN OFFRR.

I was in the position to make an offerwhen I contacted. XXXX XXXX. Please help.Im a single mom and XXXX XXXX employee for XXXX yrs attempting to have my XXXX and XXXX ye old attend the right XXXX. This is not right.the consumers are at a disadvantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: AES/PHEAA
State: VA
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:
Not only did AES attempt to collect while there was a federal forbearance in place, they only offered forbearance as a last resort. However, after i took the forbearance, the forbearance counted against my personal forbearance allotment NOT the federal forbearance the gov't put in place. After that they started reporting my loan 90 days delinquent in XXXX which is less than 30 days after the federal forbearance was extended to XXXX!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-09
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
account owner XXXX XX/XX/XXXX social security deposit made XX/XX/XXXX bank notification only the deposit being reversed -- no notification from social security admin directly. XX/XX/XXXX withdrawl for XXXX listed on statement as " partial pay to treas '' XXXX reflects no credit ever made being taxed on full amount. Contacted bank was advised payment being held until full amount received, refusal to credit partial or return to fiduciary the reason given was that they can not be sure payment will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: AR
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 Report # XXXX Account : XXXX/XXXX  Account # XXXX Amount {$3200.00} Upon discovering fraudulent activity on this account, I disputed this account with Experian. Due to the fraud activity on this account, it was never supposed to be report to any of the three credit agencies. I disputed this account in or around XX/XX/2020. The account came back as verified. For the past three months I have been reaching out to XXXX in an attempt to get a complete financial accounting of all transactions, payments, when the account was opened/closed, where the account was opened/closed and is a statement as to why the account show there is a balanced still owed on a charge off that is accruing interest. I sent a validation letter to XXXX on XX/XX/2020 and as of today XX/XX/2020 I have not received a response back from the company. XXXX has refused to validate the date and they have refused to provide me documentation related to the account they are charging me for. 
On XX/XX/2020 around XXXX XXXX, I spoke with XXXX via telephone from Experian. I questioned him as to why a fraudulent and unverified account remained on my personal credit report. XXXX informed me that XXXX varied the account by mean on an electronic notification. He stated that XXXX did not provide any tangible documentation, they simply pushed a button and stated the account was correct. I asked for more information and requested that the account be reinvestigated. XXXX informed me that if I wanted an investigation on any items on my credit report, I would need to go to the police station, file a police report, list each item individually, and send a copy of the report to Experian either by mail, fax, or upload it. He then provided me with the fax number, mailing address and directions as to how to upload the police report that he told me I need to go file. I asked for the account number on the account and information as to who was collecting the debt. XXXX stated that he could not provide me that information for security reasons. This account is not being handled correctly and I do not think XXXX from Experian should be providing me legal advice. Also do not understand how Experian can legally keep a fraudulent and unverified item on my credit report. Lastly, I do not understand how legally, Experian can refuse to dispute an account on credit report with me following the directions of their legal advice.

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 2020-10-30
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
On XX/XX/XXXX of this year, just before property taxes were due, I realized on one of my mortgages the escrow account did not pay my property taxes as of said date. 
I called XXXX inquiring as to why my taxes weren't paid yet? They said they would respond with 72 hours ... No response ... I call back again ... same response - " we will call you back in 72hours '' ... another 72 hrs later zero response..This went on for almost two months when finally I called and they said the escrow account is short and they need to recalculate what the dollar amount is ... ... They said they would get back to me in 72 hrs ... No call back since Shellpoint took over as lender at the beginning of the year I have been on automatic withdrawal on all 3 accounts I asked them until they get this adjustment corrected should I refrain from automatic withdrawal ... They said thats not a problem as they would rectify this issue quickly and get back to me within 72 hours ... Absolutely aero response I call into XXXX  in XXXX to ask if they paid the property taxes and penalty and wanted to make sure I wa n't being charged for this error on their part and penalty for unpaid taxes They assured me they didnt charge me and sent me a letter justifying the charges and that they paid the penalty ... At this time they didn't mention I had to pay XXXX 'XXXX mortgage payment ... And I was put back on automatic withdrawal so I figured they worked it all out and I would just get automatically billed for the new amount It wasn ; t until a few weeks ago did I get notification that my credit score showed a missed mortgage payment for XXXX I immediately called them and every 3 days when I call in have been given the same speech - " we are looking into it and will get back with you within 72 hours ... ZERO RESPONSE!

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 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify 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 2023-06-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I recently had a conversation with Wells Fargo Medicaiton and Medication attorney. 

I was informed someone from Wells Fargo executive office would call me. The call came and the person who I spoke with had no knowledge of the conversation that I had with Mediation attorney and the person from Wells Fargo. She was clueless. 

It was informed to me and the mediation attorney will call me to discuss and explain how they came up with the amount of XXXX plus to pay off and close the loan. 

As the mediation attorney said, Wells Fargo knows but I don't. They keep saying it is a Wachovia loan but it isn't. When Wells Fargo bought Wachovia they bought all assets and debt. it was Wells Fargo who split the loan. Not Wachovia. WF applied their own application of how the loan will be set up. Why all the payments I made never never was deducted from the XXXX loan. It increased or stayed the same after Wells Fargo took over. 

The other complaint the woman I spoke with said in a very determined voice that this case is final and they never received that I sent them my insurance coverage on why they applied the amount of XXXX to the insurance coverage when I made the finale payment. 

Everything is falsified under Wells Fargo. They lie, they lie and they lie. They won't explain. 

It is not the end till I am reimbursed for the overpayment of insurance during the closing/payoff of my loan and how all my payments for the loan was never deducted from the balance.

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 2020-10-30
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$83.00}, {$81.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account. 

2. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$81.00} -This is not 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 2019-08-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im trying to unfreeze my credit report. To get an Bank approval to open up an acct. Equifax Credit Bureau keeps saying they cant verify me, but yet they send me mailings, XXXX  and XXXX  can identify me even though I have identity theft!!! And since Equifax can do a Data Breaches against me, yet they cant identify me. This is so bogus!!! I want my credit report unfrozen so I never have to deal with them again and I WANT THEM SUED FOR THIS DATA BREACH ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In 2012, Ocwen Loan Servicing cozied up with shady XXXX   XXXX  who scrambled and then obtained the phony XXXX file that was sitting on top of the pretender lender loan servicers criminal CEOs desk that is stuffed with fabricated documents, forgery and fraud, manufacturered force place insurance policies, false principal balance, false payment history, void assignment, manufacturered note, and lots of other fraud and then started slandering my title again and again to embezzle. Shady Ocwen was using and adding false information, false balances, false dates, false payment amount, false bankruptcy information and other false information to all three major credit reporting agencies, XXXX, XXXX and XXXX. Ocwen Loan Servicing intentionally done these quiet crimes for years and intentionally failed to respond to my many letters and complaints regarding credit reporting intentional fraud errors for many years causing me exteme harm. I have most of my credit reports that will be given to the court. Fraudulent Ocwen shady employee XXXX XXXX who is assisting her white collar crime operation with embezzlement intentionally removed Ocwen incorrect information from my credit report to sweep another white collar crime under the fraudulent CEOs desk. Never would of thought that Ocwen could brainwash a young new lawyer to assist pretender lender loan services with fraud criminal white collar crime embezzlement. This complaint is evidence that I have spoken with the City of XXXX Mayor who forwarded my matter to the sheriffs. Crooked pretender lender loan servicers and lawyers who tweak up the laws to hide from crimes they commit are the ones who always fail with thousands of open lawsuits. This is what incompetent crime bal people do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}

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 2019-07-01
Company: MARINER FINANCE, LLC
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 do not recognize authorizing a credit inquiry from this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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:
I have been requesting that the erroneous accounts be removed from my account since XX/XX/2021 and to no avail they have failed to remove these accounts. They haven't provided any solid evidence and validation to these accounts. I have sent them copies of the police report, utility bill, Identity theft report along with copies of my id and SSC. 

They have failed to reply promptly or not at all. 



I will attach the last letter I sent to this company along with proof of receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Social Finance, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 {$4400.00} My account was freeze. 
Have been calling the security team for months, they send me XXXX  link but the links expired in minutes it wont let me capture my face for the selfie

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Chime Financial Inc
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On Saturday XX/XX/XXXX I deposited XXXX dollars onto my chime prepaid card. I used XXXX dollars for a XXXX than put another XXXX dollars on the chime card and caught another XXXX to where I had to pay my rent. Upon trying to withdraw money, I was iMmediately logged out from my chime account and told that my account was closed due to security reasons they couldnt disclose. Ive sent many emails to the support team being as though thats the only way to contact them. This was my very first time using my chime prepaid card and they are telling me they have to investigate the XXXX dollars thats on the account. Theyre not telling me anything about compensation and I desperately need help I am not rich. That money was part of my rent money and Im looking to sue for emotional distress as well as theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$20000.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX filed a complaint to all credit bureau and secondary credit union such as XXXX XXXX. About a bankruptcy that is being verified by those said companys. Ive received a letter from the XXXX XXXX  in XXXX XXXX iowa that the courts dont provided or verify information to credit reporting agency. So the furnisher of said information is false

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