BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2020, I wrote experian a letter regarding inaccurate information that I requested be removed. I got no reply for more than 45 days and sent a follow up letter. Under the Fair Credit Reporting Act they are in violation of the law. By law, they must correct or remove the inaccurate information that I put in the letter. I have attached proof of my identity, and the two letters that I sent Experian.

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 2017-12-15
Company: SLM CORPORATION
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
At least twice in the last three weeks my husband has recieved a call from sallie mae. I recieved a student loan in XXXX with my name being the only name on the loan. I have never lived in a community state. They were trying to recieve payments and told him to verify my birthdate to recieve all of my private confidential financial information. I have never sign or voiced permission for them to speak withanyone on my financial information. I understand myself getting calls to pay the loan that I am not able to pay currently but they have no right to contact my husband nor give him my finacial information, as well as bother him at work. That is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
XXXX XXXX, I was informed by the IRS Criminal Investigations that my identity had been stolen. On the same day, I froze my credit reports and submitted a fraud complaint to access the improved credit protections. 

Also on XXXX XXXX, I had to call Equifax to login to my account to check my credit. As part of that call, I requested that Equifax mail me a paper copy of my credit report since I would be unable to login for up to a week while they researched the issue. 

On XXXX XXXX, I called Equifax to inquire just where my credit report might be, and to inquire ( again ) on how to login to the website. I was able to get satisfaction on the login issue - but was told that my paper credit report was mailed to a previous address of mine that I have not lived at for 2 1/2 years. On my credit report online, I can see that the address that the report was mailed to does show as a previous address - and my correct current address is shown correctly. Worse, there was nothing that Equifax could do for me, after mailing my life history to a stranger.

What type of remedy is available to me? How do I retrieve that report, or verify that it hasn't been used maliciously or given to someone else?

I am appalled that a business *that I never gave permission to access my personal information* could be so careless with that information, and then wash their hands of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Shellpoint is servicing a 2nd mortgage on my home. I currently owe a balance of {$12000.00}. I have provided Shellpoint with flood insurance in the amount of {$21000.00}, I received a letter dated XX/XX/20 requesting that I purchase an additional {$4000.00}, worth of flood insurance and are threatening to purchase insurance in my name at the cost of {$230.00}. They have no right to do this as the balance of my loan is only {$12000.00}.. I am a senior citizen and I feel they are taking advantage of me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XX/XX/2020 a sale of three Tahitian pearl necklaces was made by my online shop. This amounted to approximately {$2800.00}. Some of the funds were withdrawn by me leaving a total of {$220000.00} in the Paypal account. 

Suddenly the balance was frozen for 180 days by Paypal. A telephone call to their customer service on about XXXX XXXX resulted in a rude and abrupt lady telling me that Paypal was parting ways with me. I was given no reasonable explanation why the account was limited or the funds frozen other than to infer that I was busy with fraudulent activity. The rude person refused to give me more details. 

I submitted all the details/documents they requested from then on. My appeals were refused, On XXXX XX/XX/2020 the 180 frozen days expired. I was requested by Paypal to submit all my personal details/documents again. I did. I have the XXXX XXXX XXXX XXXX ID Document. It is perfectly legal and valid in XXXX XXXX as is the new XXXX XXXXXXXX which is now being issued. But Paypal is not accepting my ID Document. So my funds are not being released.They send computer generated emails which offer no explanation as to why my ID document is not being accepted or any solution to the problem. 

This matter is most frustrating and I'm sure not in line with any financial practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas 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 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 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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with TransUnion, XXXX, and XXXX. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.

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 2021-04-08
Company: Experian Information 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:
There are fraud and wrong information on my credit report and I let the credit bureaus know but the information hasnt been fixed

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 2019-06-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Over the years I've tried to call and mail Welsfargo to resolve my concerns. The remaining balance of the repossession is inaccurate and I didn't receive a certified letter in the mail, with a return receipt of exactly how much I owe after the car was sold in the auction. 




Respectfully, 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 2023-06-11
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
they are still on my credit report they will not take them off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: I.C. System, Inc.
State: MI
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:
The IC systems company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from XXXX  which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. IC systems and XXXX are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to XXXX  to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. 
This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and XXXX  to pay for the damages for my pain and suffering. I spoke to XXXX and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.

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 2023-07-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The XXXX XXXX account on all three of my Credit reports needs to be removed it has been 7 years and it was supposed to have aged off. I have brought to the attention of all three credit agencies and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE 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 is missing that should be on the report

Complaint:
A XXXX XXXX XXXX mortgage account XXXX XXXX XXXX XXXX was paid in full. This established account should be accounted for in my history. But, Transunion and XXXX are NOT including this account in my history but rather is reflecting my credit as NEW and as a result is causing my scores to be lower. If it was derogatory, it would be included!!!!

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 2020-07-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I proactively inquired about a Home Mortgage Loan Modification with Wells Fargo when I was laid off from my job. The company used deceptive predatory practices, preying on my situation likely the result of a proven greed driven culture I was unaware of at the time. 

I had not been late on my payments prior to calling the company. I worked closely with home preservation specialists through a long, arduous process and they guided me to be late a number of months in order to qualify for the program. They also enticed me on numerous recorded phone conversations that I would be eligible for a payment program with an interest rate about 2-3 % less than my XXXX  % interest rate. 

Unfortunately, when it came time to complete the loan modification process, I was told my interest rate would remain the same alluding that my credit was an issue for brokers to take the loan. This was disconcerting because nonpayment of the loan was supposed to be a given by the nature of the modification program. I found myself entrapped in situation where my credit was already ruined, and my loan then extended to a 40-year note. Instead of getting the interest rate reduction and the help I was led to believe would occur, I was bilked.

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: I.C. System, 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 information incorrect

Complaint:
As I look at my report the open date on 2 account both from XXXX XXXX but are reporting two different balances under two different collection agencies. 

IC Systems INC {$160.00} and XXXX XXXX XXXX {$290.00} These accounts also arent reporting to all XXXX credit bureaus. Its been removed under a dispute but added back on XXXX and XXXX is only reporting IC Systems INC. 

I would like these inaccurate accounts removed if I cant receive validation on these accounts are accurate.

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 2020-07-21
Company: Possible Financial Inc
State: OH
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 took out a {$250.00} loan from possible finance XX/XX/2020. In XXXX I requested an extension to my lastpayment only if it would not affect my credit. They assured me that due to Covid the company would allow an extension which I agreed to and paid off. A month later I was reported derogatory on my credit report. I filed a dispute with XXXX  and contacted the company. Possible Finance confirmed it was their error and would correct my report within 30 days. It was finally corrected, but a month later the late payment was re-reported and my score dropped again XXXX points. I filed another dispute, contacted XXXX, the BBB, and contacted the company. Again they acknowledged their error, promised a correction and sent a letter that confirms the account was never late/paid in full. My report was corrected. A month later, another alert the company has reported the same 30 day late AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Since I opened an account with Bank Of America I have not received any cash back rewards. Also they opened a credit card with my name saying there is {$2500.00} limit without my permission and they did not send me this card they also keep overcharging me fees monthly.

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 2020-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ( and only Equifax -- the other two CRAs don't have this issue ) lists a former address as my current ( they are missing my two most recent addresses, and list a former address in another state as current ). I would not care, except this is causing issues with financial institutions/applications. 

I have made repeated attempts to directly address the issue with Equifax, including ( 1 ) filing two disputes ( XX/XX/20 and XX/XX/20 ) with them to have the information corrected and providing substantiation and ( 2 ) calling their GCC team, who are distinctly unhelpful ( their call center automated system doesn't verify properly ; and seems designed to shunt people to cheaper servicing options -- this would be fine if their automated/online systems worked ). GCC simply reads back that my former address is still listed as current without providing any clarity as to why they haven't corrected the address ( based on the information I provided as well as all the info the banks have been directly submitting to Equifax ( my addresses are properly reflected with those companies ) ). Curiously, Transunion almost immediately update my report with my new address after I updated with the financial institutions -- unclear what's the deficiency with Equifax.

Company response to consumer: Closed with explanation