BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: Lending Club Corp
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I remitted via USPS Priority Mail check # XXXX in the amount of {$800.00} which was to cover my XX/XX/XXXX due date for the principal and interest on {$770.00} and the extra to be applied to principal reduction. Per the USPS tracking # XXXX XXXX XXXX XXXX XXXX the payment was delivered on XX/XX/XXXX. 

I have contacted Lending Club by phone and email on XX/XX/XXXX. I also contacted them again by phone on XX/XX/XXXX and I am getting the run around regarding the whereabouts and posting of my payment. I do believe this is an intentional intent to cause harm as this company is aware that this is my second to last payment owed. However, more importantly Lending Club is aware my payment must apply soon in order to avoid a negative mark on my credit report. 

Per the lady I spoke with this morning who stated her XXXX XXXX said they have the right to hold a payment for 14 days once received this is unethical as payments are to be posted when received or in accordance with the stated payment processing schedule per their website. I would like for the payment to be posted per the guidelines and for lending club to stop stealing from consumers by holding funds which generates more interest for them to collect. I am not able to request a proper pay off amount to be remitted for the date of XX/XX/XXXX due to Lending Club 's deceptive ways in handling my payment that is in their office per the post office. I have a copy of every check and postal payment receipt ever issued to Lending club starting with my first payment that was due XX/XX/XXXX! and it has never taken them this long to apply my payments once received via USPS Priority mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hello my name is XXXX XXXX I have been trying to access my credit report for 3 months I have tried everything with experian. To the point where I'm exhausted they will and have not uploaded my address to my experian. Credit report I have mailed in documents and I have called numerous of times there saying that they have not received any information regarding.my documents of my current address to submit it to my credit report this is an inconvenience for me for the last 3 months I have complied with them for 3 months no result.

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 2023-07-27
Company: EQUIFAX, INC.
State: MI
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:
I am submitting a complaint due to unauthorized inquiries on my report through Equifax. according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows 4 inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. It's a defamation of my character and to my livelihood..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
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:
Sometime in XX/XX/2019 I found the below accounts on my file that are not mine. I have issued a dispute leter on XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with no investigative results report. There are a total of ELEVEN 30 day violations. Please refer to the attached IDENTITY THEFT POLICE REPORT and please immediately delete these accounts to avoid litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I AM TRYING TO GET wELLS fARGO TO DROP OR DECREASE MY MONTHLY MORTGAGE INSURANCE PAYMENTS. I WAS SENT XXXX LETTERS THAT GAVE ME THE RUNAROUND AND THEY WILL NOT RETURN MY CALLS. TO TOP IT OFF, A WEEK LATER I RECEIVED AN OVERNIGHT FROM A XXXX PARTY I COULD ONLY ASSUME WAS LED ON BY WELLS FARGO WITH REGARDS TO FHA MI REDUCTION. I CALLED THE COMPANY WHO WAS JUST A MORTGAGE BROKER HOUSE TRYING TO GET ME TO DO AN FHA STREAMLINE REFINANCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection letter I got from National Credit Systems contained no information about how I can dispute this illegitimate debt. National Credit Systems only Instructed information on how to pay but nothing on how to dispute this debt. I was originally let out of an apartment lease due to severe medical conditions and provided a letter from my Doctor to the apartment Manager who advised me there was no problem. Once I got a collection letter from National Credit Systems I was confused. I tried calling this collection agency to advise of my dispute and requested to speak to a manager. I was immediately advised by the lady who answered the phone that I could not speak to a manager and was instead transferred to a collector named XXXX XXXX. I explained in great detail about my medical condition, the Doctor 's letter I provided to the apartment manager and why I disputed this illegitimate debt. In the middle of my explanation and without warning he placed me on a very long hold. when XXXX XXXX finally returned to the line, he talked over me and interrupted me with loud and rude demands for payment. I again advised of me dispute and then he rudely hung up on me. The phone conversation I just described took place on XX/XX/2022. I fully expected that I would receive some sort of an attempt at validating this debt and maybe even a call from a manager apologizing that I was denied ever even speaking to in the first place. I called National Credit Systems again on XX/XX/2022. This time I was again denied my request to speak to a manager and got same XXXX XXXX on the line. this time I hung up on him due to my previous treatment by him. National Credit Systems never validated the illegitimate debt and only threatened me with ruining my credit report. Please do something about this as I am suffering from much XXXX which is only aggravating my medical condition. Thank you who

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of Regulation X, i.e. 12 CFR 1024.39 by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the 36th day of delinquency pursuant to 12 CFR 1024.39 ( a ) and did not receive the written notice of available loss mitigation options required by 12 CFR 1024.39 ( b ).

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 2023-07-27
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I NEED XXXX XXXX MORTGAGE STATEMENT. MY PREVIOUS COMPLAINT WAS CLOSED BY XXXX XXXX WITHOUT FULFILLING MY REQUEST FOR XXXX XXXX MORTGAGE STATEMENT. I NEED THIS STATEMENT BY XX/XX/2023 TO PROVIDE TO A HOUSING COUNSELOR FOR MORTGAGE PAYMENT ASSISTANCE. PLEASE PROVIDE ME THE STATEMENT ASAP. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Fed Loan Servicing is the worst loan provider imaginable. Every year we are required to resubmit repayment plans but every attempt is cumbersome and the forms are not easy to find or are convoluted. If they don't feel like talking to you they will just hang up, leaving you feeling hopeless ; if you don't get the papers filled out in time, your whole repayment can be thrown off, not counted, cause a credit score drop, or be put into collections. 
You can wait on the phone for hours ( you can select an option to have them call you back but they never do ) and they never respond to any other form of contact. 
XXXXvoid Fed Loan Servicing at all costs! Every one of the agents are incompetent and do not deserve your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
State: CT
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:
Try fixing this problem. But XXXX insisted. I have no contract to these people.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-07-27
Company: EQUIFAX, INC.
State: PR
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:
Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something 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 non-monetary relief
Consumer complaint received 2023-06-08
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:
I've had a collections account on my credit report from EQUIFAX for about 3 - 4 years now.

That account doesn't belong to me. It doesn't even have my real name nor my real date of birth. 

When this report came around I disputed it, XXXX removed it right away since they verified promptly. 

However EQUIFAX keeps telling me that all the disputes I've made come back as accurate or correct account on my file, which is false. 

I even called the collections agency charging me for the account and they said they verified that it doesn't belong to me and that they have sent a report to Equifax and XXXX to remove such account on my credit report. The collections agency also said that they haven't received any request for verification from Equifax. 

That means that EQUIFAX isn't even verifying the information and my disputes from them come as " correct '' and " valid '' which is completely false. 

Here are the last disputes numbers I was given by Equifax. 

XXXX XXXX XXXX XXXX To add to the frustration, last time I called Equifax they said that they can't even check the status of my dispute because the personal information I'm providing doesn't match the account. However, how did I even create the last few disputes with them If allegedly they're not even supposed to do it without verification? They're just keep giving me false information and disregarding my request over and over. 

Now they have the audacity to ask for copies of my SSN, ID, Proof of address and mail them to them before they can even check my status of my account. 
I can't even do any of these procedures online because their system won't even let me login, they even sent me a letter to my residence with a PIN number to verify my real address. And when I tried to log in with that same mailed PIN number their system told me call customer service. Outrageous. 

I can't trust Equifax with my personal documents, why would I trust a company that has been sued for a massive databreach? but they still dare ask me for my personal information. 

Equifax is obviously not doing their job. The collection 's agency, and experian already confirmed the right information. 

Feel free to verify the account with the collections agency, their email is " XXXX '' name XXXX XXXX, last 4 of ssn XXXX. 

Last time I called Equifax after being dropped several times was with " supervisor '' XXXX ( probably a fake name ) Operator ID XXXX ( Probably meaningless ). 

At this point I'm ready to sue, this report on my file has been a tremendous burden in my ability to get credit, lease, and prove good record. 

I'm attaching copies of my XXXX and Equifax credit report and the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this Xfinity account last year directly to all three major bureaus and it was removed because it couldn't be validated. It later appeared on my credit report but was listed by Southwest Credit, a different collection agency from the first. I have mailed dispute five letters certified/return receipt but still have not gotten what I've requested which is the original written contract between myself and Southwest Credit or between myself and XXXX. They are supposed to remove the account from all three credit bureaus if they are unable to produce this information. I mailed the first 3 dispute letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021 ; They sent back billing statements showing a balance of {$370.00} which does not validate that I opened the account. The fourth response they sent me stated my dispute was frivolous or unsubstantiated because " The dispute is substantially the same as a dispute previously received '' and " The dispute was reasonably determined to have been prepared by a credit repair organization ''. Neither of these reasons make sense. I sent the dispute letters myself but don't understand why they aren't complying even if a credit repair company sent the dispute letters. It looks like they are stalling to avoid following federal law, which requires them to produce the original signed contract or remove the negative account. I have yet to hear back after mailing my fifth dispute on XX/XX/2021 once again asking for the signed contract. They still have a couple weeks to reply the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : CHILD SUPPORT ACCOUNT NUMBER XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Bankruptcy Account number : XXXX has violated my rights 1

5 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming 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 2016-03-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This concerns Bayview Loan Servicing 's ( " BLS '' ) refusal and failure to resolve major discrepancies and mishandling surrounding a closed account. After fourteen ( 14 ) months of numerous and continuous phone calls and e-mails to BLS, the issue remains unresolved. Please see the attached timeline for a history of our efforts concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Experian Information Solutions 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:
Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, 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