BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: IL
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 2017-12-19
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
TO SPECIALIZED LOAN SERVICING, AFTER MANY ATTEMPTS TO GET YOUR SUPPORT, WE WERE MET WITH DISRESPECT, AVOIDANCE OF THE CRITICAL ISSUES WE BROUGHT TO YOUR ATTENTION AND RESPONSES NOT RELATING TO THE REQUESTS THAT WE MADE. THERE IS NO DOUBT YOU HAVE AVOIDED THESE ISSUES. WE ARE FACED WITH PROTECTING OURSELVES AND OUR FAMILY AFTER DISCOVERING WHAT REALLY HAS TAKEN PLACE. 

SEE ATTACHMENT ENCLOSED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX or XXXX, my husband and I were presented an offer of replacing our old windows and doors from our neighbor as a referral. We set up the appointment to meet with the representative and scheduled to have the new glass doors and windows installed. Our payment was set up through Wells Fargo ; at some point, my husband and I were having financial difficulties, that led to the beginning of our nightmare. We were XXXX  with garnishment if we didn't sign up with some program that I never heard of and that program led us to another nightmare of XXXX, but we managed to finally pay off the loan. The program led to more payment with a higher interest rate, and after that experience, we denied any products or services that involved Wells Fargo. I called in several complaints that led to no resolution. Now here we are years later ; yes, I would like to submit my statement to receive compensation from the overpayment of my loan, threats and forcing my husband and me to sign with a program that cost us more money than we initially agreed upon.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2020-08-14
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:
Im XXXX in Identity theft, somebody open up accounts in my name without my authorization. I send the roper information totally three credit bureaus with my identity theft documents and other information to block these fraud accounts under the fcra ss 605b to be block due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 wrote TRANSUNION to dispute an inquiry listed on my personal credit report and I received some excuses why TRANS UNION did not act upon the disputed item or provide any documentary evidence to support the fact my credit file was released without permissible purpose. My dispute letters were mailed on the following dates : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and a copy of all prior disputes mailed on XX/XX/2018 to their registered Agent. [ XXXX XXXX XXXX, XX/XX/2018 ] is listed on my personal credit report and there is no indication of any account with this lender and XXXX  XXXX has refused to produce any proof of any credit application as required under 15USC, Chapter 94, and 12CFR 1002.12 requiring the lender to retain records for 25 months. My last dispute with TRANSUNION did not indicate that the INQUIRY in dispute was ever investigated, and a copy of my credit report was included with no identifiable changes. This inquiry from [ XXXX XXXX XXXX - XX/XX/2018 ] remains with no explanation it was ever re-investigated per my dispute letter of XX/XX/2018. This inquiry has been disputed four times with TransUnion and three times with XXXX XXXX, I was not provided any documentation that the inquiry in dispute was ever investigated or verified by anyone, including the XXXX computer. I also asked Trans-Union to remove any non-account holding inquiries and that request was also ignored by their super computer.

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 2018-07-24
Company: AES/PHEAA
State: DC
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:
The is a follow up to complaint XXXX to be sent to XXXX for response. 

A recent federal government report stated that loan providers like XXXX XXXX provide borrowers with wrong advice. 

In my case, this misinformation has resulted to the following : 6 years worth of payments essentially being wasted. I was put into deferment during my XXXX XXXX XXXX and into forbearance after I completed my service, rather than taking the time to help them understand income-driven repayment. This has caused unnecessary fees and I pay more interest as a result. 

Can I trust your student loan servicer? 
I thought XXXX XXXX had the right answers. I had talked to them on several occasions in XXXX and XXXX about my PSLF and they told me I will pay the amount I had paid for XXXX or XXXX and not {$750.00}. I was told my told I will be notified to make the payment within 60 days. I was informed that I should not worry as my loan will not be reported as delinquent until after 90 days and by that time will have received the notification to pay the same amount I paid in XXXX for XXXX. 

Its not just on payments that I have been misled. XXXX XXXX have misinformed me on : Income-driven repayment Student loan processing errors Failure to help me understand my options when I came out of default Failure to help me understand Public Service Loan Forgiveness during my XXXX XXXX XXXX. 
Incorrect or insufficient information about eligibility, including types of qualifying loans Missed qualifying payments due to processing delays Problems with the job certification process resulting in miscounted payments XXXX XXXX can not say I talked to a customer service representative whos low on the totem pole. XXXX pointed out. This doesnt let XXXX XXXX off the hook. As the governments agents, XXXX XXXX serve the public and should make better efforts to provide accurate information, especially since they benefit from this arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My wallet was stolen this past XXXX XXXXand I called PayPal about it the closed my account and all my stimulus and stuff are on there they saying I can't have my money they closed it after the refunded me the money and I can't even get the tax credit they giving right now I'm losing my place cause I can't even pay rent they have all my money it's around XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: TN
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 HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS

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 2018-07-24
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: Investigation took more than 30 days

Complaint:
There was a dispute mailed to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX. In regards to incorrect and non accurate information being reported to my credit file. It was received and signed for by one of the companies representatives on XX/XX/2018. I have not received any such rebuttal for the claims that I marked invalid on my report. I contacted them again and they still refuse to remove or correct the issue at hand. I was told that they never received the letter however I have the documentation showing that it was signed for and accepted by one of their representatives.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 US Department of education XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions

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 2018-10-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with Wells Fargo. I used their XXXX bank transfer to submit a security deposit of {$260.00} for an apartment. Unfortunately, I was scammed. XXXX, is not afford fraud protection by Wells Fargo. I feel this is a misrepresentation of their services. I bank with the intention of having my money protected in case of an emergency. I would like my {$260.00} refunded because it only took about an hour to notice the 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 explanation
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX of XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX  through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: InstaMortgage Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I work in the XXXX XXXX, and I received a deceptive mailer from Arcus Lending ( now doing business as XXXX, NMLS # XXXX ). The mailer is obviously intended to trick the receiver into thinking it's a past-due bill. It has the name of my existing VA mortgage lender ( XXXX ), and it contains language like : FINAL NOTICE, IMMEDIATE RESPONSE REQUESTED, and TO THE ORDER OF : XXXX XXXX. When you open the mailer, the ( extra small ) fine print indicates it's from Arcus Lending, but there's a big bold 1-800 number along with a " Notice Number. '' This is obviously intentional ... They are trying to trick the receiver into not reading the fine print, but just calling the number. So, I did call the number and played XXXX, and asked the guy if this is a bill from XXXX. He reads what sounds like a pre-scripted response to tell me it's not a bill, and he's not with XXXX, and I've qualified for their XXXX  program. I ask him who he's with if not XXXX, and his exact words are, " Im with the Texas VA Mortgage Program. '' I ask again, and he again tells me he's with the " Texas VA Mortgage Program. '' At no time did he identify that he was with Arcus Lending or XXXX. I believe these are intentional deceptive business practices that are likely created to trick elderly veterans into contacting the company, so they can be given a high-pressure sales pitch to refinance their homes. Even the language on the phone seemed design to confuse the person into not knowing this was just a solicitation call to refinance a home with a different mortgage lender. I have shown the mailer to multiple colleagues in finance ( including at XXXX ), and they all agree that these appear to be blatantly deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Byrider Franchising, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX and I co sign on a car XXXX XXXX XXXX my friend filed bankruptcy on the car they charged it off and they still trying to makee pay I sent the request to XXXX and no answer I disputed it no answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: WELLS FARGO & COMPANY
State: IL
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:
On XX/XX/2020 a bank by the name of Wells Fargo did a hard pull inquiry without my permission. I have reported it to the XXXX  XXXX  XXXX XXXX   XXXX  as well as to all three credit bureaus. As a result of this unauthorized hard inquiry, my score dropped by 9 points. This inquiry into my personal credit file was I repeat never authorized by me. I have been careful not to request or authorize hard inquires of my credit for the very reason that I am trying to refinance a loan. This now puts me into a lower catagory and higher interest which is counterproductive. I wrote all three credit bureaus and asked for the immediate removal of the hard credit pull by Wells Fargo. I also called a number on the credit report of a Wells Fargo Bank but no one picks up at the opposite end.

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 2019-09-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to temporarily lift credit freeze with Equifax, Could not access my account even though I had all the correct information. 
They locked my account despite changing password etc. spent XXXX hour on phone with them and was told I had to wait another XXXX hours as they unlocked the account. I needed to get it unlocked immediately. We would not have to have credit freeze on account if it Company would have kept out information secure and now we can not access it. Something needs to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
was looking over my credit report and I noticed that 30 and 60 day late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were 2- 2020, 3- 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations

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