BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: Experian Information Solutions Inc.
State: OR
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 shows a late payment to XXXX ( XXXX ) in XXXX and XX/XX/XXXX. I have a LETTER from the XXXX company themselves saying 1 ) there were no late payments AND 2 ) they have reported it correctly to Experian showing no late payments. I submitted the correction WITH THE LETTER uploaded to Experian twice, most recently XX/XX/XXXX, and they are refusing to fix it, leaving the ding on my otherwise excellent credit. This is unacceptable. Please inform Experian they MUST fix it. It is not their right to report whatever they want and have that affect rates I am given for my home mortgage etc! Especially after I've done my due diligence twice to write the companies, provide PROOF, and uphold my part of transactions.

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 2018-07-07
Company: CITIBANK, N.A.
State: PR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Citibank, which is the Bank controlling the Sears Credit Cards, closed my 2 Master Cards accounts with Sears, including the original which is from the year XXXX, no matter the 2 recent payments of {$150.00} each, and all I explained to the over the phone, included in this complaint, and even using their online message service, and all the problems we faced here in Puerto Rico due to Hurricane Maria, Citibank simply disregarded everything and decided to unfairly close my 2 accounts with Sears, please see the 2 letters from Citibank included, one in English, the other one, is a translation to XXXX, one is referring to one of my accounts, the one ending in XXXX, which is the oldest from XXXX, when Citibank was not administrating Sears accounts, and the XXXX XXXX, which was opened under the Citibank administration. The complaint number XXXX, refers to the complaint already sent to XXXX XXXX about this problem, and many of the documents of that complaint are included in this one, in addition to the letters received online from Citibank dated XX/XX/XXXX, when they informed that my 2 accounts are closed, no matter I disagreed, and also paid, and also, they are requiring a huge single payment of more than {$400.00} for my oldest account, even after paying {$300.00}, with 2 {$150.00} payments in just days, in spite of all the evidence included, and all this affects my credit report unfairly, and is even discriminatory, probably due to me age of XXXX   years. Is unfair and discriminatory.

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 2020-05-12
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: Public record information inaccurate

Complaint:
XXXX AND TRANSUNION ARE REPORTING ERRONEOUS BANCRUPTCIES ON CREDIT REPORT. AFTER CONTACTING XXXX XXXX, IT WAS DISCOVERED THAT THESE BKS DID NOT BELONG TO XXXX XXXX. THESE WERE FROM EX-SPOUSE WHO OWNED A BUSINESS IN HIS NAME AS A SOLE PROP, XXXX XXXX DID NOT FILE FOR BK XXXX OR BK XXXX AND NEVER OWNED A BUSINESS. 
AFTER DISPUTING THESE PUBLIC RECORDS WITH XXXX   AND TRANSUNION WITH PROOF OF THEIR WRONG REPORTING, XXXX  RESPONDED WITH STATEMENT THEY HAVE CONTACTED THE COMPANY REPORTING THESE ( US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) SEE ATTACHED- WHO CERTIFIED TO THEM- XXXX THAT INFORMATION WAS CORRECT ... AFTER CONTACTING THE US BKPT COURT, IT WAS STATED IN WRITING THAT THEY DO NOT REPORT OR VALIDATE THIS INFORMATION TO XXXX. THUS, VALIDATION STATEMENTS MADE BY XXXX IN WRITING ARE FALSE AND ARE IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON MULTIPLE COUNTS. 
TRANSUNION IS STILL REPORTING THESE ON THE REPORT AND STATED THAT FURNISHER HAS NOT RESPONDED TO THE DISPUTE WHICH WAS MADE BACK ON XX/XX/XXXX, HAS PASSED STATUTORY AMOUNT OF TIME REQUIRED FOR THE CREDITOR TO RESPOND TO THE DISPUTE THUS, ALSO IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS. 
PLEASE HELP TO KEEP CREDIT REPORTING AGENCIES IN COMPLIANCE AND STOP THEM FROM INTENTIONALLY DAMAGING CONSUMERS ' CREDIT REPORTS AND RATINGS US BKPT CT CA XXXX XXXX Identification number XXXX US BKPT CT CA XXXX XXXX Identification number 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 2021-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is offering loan mortgage modifications for families with reduced income or affected by COVID Pandemic. We apply for a loan modification and Bank of America did not give us any information about the new loan until we received a loan modification agreement in the mail with 4 days to sign and mail back. The terms in the loan modification are a fraud. Bank of America gave us 40 year loan with 4.875 INTEREST RATE and with a BALLON PAYMENT of {$360000.00}. 



I have called them several times and sent them a registered letter but no response. They never informed us about the loan modification terms they were offering to us. When we asked we were told that they were not allowed to give us any information. 



This is how and why people lose their homes and this is why we have so many homeless families in California. Bank of America threats customer with an iron rod. They don't care about us. We made all of our payments on time. My husband is a XXXX citizen and has XXXX XXXX problems Bank of America donates money here and there, Millions of donations here and there and they do it because they get the money from us, the customers. They don't ' care at all about the customers specially the XXXX community. This loan is a fraud and we want them to be investigated. During a Pandemic they are giving this terms? This is crazy and a fraud against our community,

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 2019-02-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice or collection in the mail about a debt I totally have no clue about the date has XXXX XXXX, 2019 on it, the amount is {$1200.00} I attempted to settle the debt by I not sure what I'm being charged for and I have 13 negative inquiries on my credit report from the same company..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting to my chexsystem that I owe them {$600.00}. I called XXXX XXXX XXXX and they said they do not see my having a balance. When I asked them to remove this from my chexsystem they said they could not do so because it would affect their rights to report to any credit bureaus. I need this fixed ASAP

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 2022-08-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute via mail to let Experian know the following accounts are not mine. Instead of disputing the accounts, they chose to dispute the inquiries listed on my credit report which I did not submit a dispute for. This is a clear tactic to try to keep erroneous information on one 's credit report just to buy their products. When i called Experian they refused to explain why the accounts were not disputed. They are fraudulent accounts that do not belong to me : 1. XXXX  XXXX # XXXX 2. XXXXXXXX XXXX XXXX # XXXX 3. XXXX XXXXXXXX XXXX # XXXX 4. XXXX XXXXXXXX XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I noticed an email from Wells Fargo stating that I should the see the conclusion of Claim # XXXX on my account ( a claim that I did not file. 

After doing some research I also found that a transaction for $ 1000+ ( that the claim was in regard to ) was also done by someone else. 

I called in to tell Wells Fargo that I did not make the purchase nor did I file the claim, and they are not helping. 

This account was previously closed after someone stole my debit cards, check book, and identity. Wells Fargo seems reluctant to refund me the money, or to assist me with this issue.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At times I was over charged for fees I have been a customer for a long time.

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 2021-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 : Principal payment of {$20000.00} was not credited to my mortgage account until XX/XX/2021. Amount was withdrawn from my credit union on XX/XX/2021. 

XX/XX/2021 : Principal payment of {$20000.00} was not credited to my mortgage account as of XX/XX/2021. Amount of {$20000.00} was withdrawn from my credit union on XX/XX/2021. Wells Fargo continues to accrue interest on outstanding 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 2017-08-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a XXXX XXXX XXXX I purchased in 2012. I used my employee discount to purchased the car. When I look at the car pay off it still shows I owe XXXX dollars in pay off. This can not be right. This was a simple interest loan taken on the car at 10 % for 72 mths When I look at the payment history of the payments made, I see when I make a payment some of the money will go towards the card and some will go towards interest. For example. One month I paid XXXX dollars on the loan they put XXXX dollars to the principal and XXXX to the interest then the next month I paid XXXX dollars again. They put XXXX to the principal and XXXX to the interest the next month I paid XXXX dollars and they put XXXX to the principle and XXXX to the interest This is NOT correct there should be a certain amount each time going to the interest not jumping like that. I will never pay the car off at this point. At 5 years this car should be paid for through Santander Consumer USA if I received a 5 % discount on dealer invoice. Something does not sound correct here. They are not doing something right. Even if I deferred 3 payments I should not owe XXXX dollars left on the car in this amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX

Company 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 2018-07-14
Company: EQUIFAX, 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:
On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: Massachusetts Educational Financing Authority
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For over a year I have been trying to lower my payments with XXXX, a loan service provider for MEFA. XXXX does not even allow you to access your payment history online so I am not able to give an exact date when I began trying to get lower payments. I was on an interest only repayment plan for a $ XXXX loan for 48 months after graduating from XXXX College and at that point the payments were as high as I could manage as I also have another private loan and federal loans with XXXX totaling $ XXXX. The interest only payments for XXXX were approximately {$200.00} per month in total and that is the maximum I can afford on my current salary. A year ago they said that I had exhausted my time on an interest only plan and that I had no other recourse. They proceeded to double my payments to over {$400.00} per month, which I was supposed to pay on top of the other {$600.00} I was paying to XXXX. I only make $ XXXX per year and I live in one of the most expensive cities in the USA. I called XXXX again on XXXX XXXX, 2017, and told them I needed to go on a interest only plan because I absolutely can not pay {$400.00} per month. They said sure and said that they would email me an application for interest only within a week. I did not receive anything. I called back in one week on XX/XX/XXXX, today, and they told me the same story I 've been hearing for the past year, which is that I 've exhausted my interest only payment option and that there is absolutely nothing that they can do for me so I can make a manageable payment per month. I want to make a payment and be current with my payments but they are asking me to do something that is completely impossible and they are not willing to work with me at all. XXXX should work with their students so that we can make monthly payments. Even though at interest rates of 6.9 %, I will probably never in this lifetime be able to pay these loans off. The fact that I was allowed to take on this much debt as an XXXX-year old is shameful. I would never have made this decision if I understood the consequences. There has to be something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the XXXX, XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX, on XX/XX/XXXX. The Technician that examined me said I needed a treatment, XXXX XXXX XXXX for my XXXX. They said I had XXXX XXXXXXXX. Which turned out to be false. I replied to the technician, if my XXXX   Insurance covers the procedure, the cost of XXXX XXXX XXXX, then I will agree to it. XXXX XXXX came back 30 minutes later and said that 80 % was covered by my XXXX XXXXXXXX XXXX XXXX. I agreed to pay the 20 % balance and paid that balance at that the time of the treatment at the XXXX XXXXXXXX offices in XXXX XXXX Texas. On XX/XX/XXXX, over 15 months later XXXX XXXX  sent me a bill for {$180.00} saying XXXX XXXX XXXX XXXX did not pay the 80 %. Come to find out, XXXX XXXX   used a XXXXrd party service called XXXX XXXX XXXX to check my Insurance to determine what was and what was not covered. ( See attached document from XXXX XXXX XXXX ). XXXX XXXX XXXX checked my Insurance on XX/XX/XXXX while I waited at the XXXX XXXX offices. XXXX XXXX came back to me and said the treatment was covered at 80 %. Again, I only agreed to pay the 20 % and would not have authorized the unneeded treatment if I knew it was not covered. I later found out that XXXX XXXX XXXX is a shame and does not work. A gimmick to get more money out of patients. That is why my Insurance company does not cover it. 
XXXX XXXX has now referred the matter over to a collection agency called Collections Unlimited at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, TX XXXX. Collections Unlimited opened an Account with XXXX and entered a derogatory remark on my XXXX credit report on XX/XX/XXXX. 
I dispute this {$180.00} charge, and the derogatory remark left on my credit report by Collections Unlimited. 
The bottom line is, even with this derogatory remark, my credit score is still above 800 and well within the excellent range, but companies and organizations like XXXX XXXX need to understand that cant bully people around. We had an agreement, they entered into that agreement willingly, and now they are reneging on that agreement. I have to believe that if the roles were reversed, for example, I put in a job bid on sheet rock work in their offices and a year and a half after the job was completed and I got paid for it, I came back and ask for more money, for what ever reason, they would not have even considered that and would have escorted me off the property. Its not my fault that the 3rd party service called XXXX XXXX XXXX got the information wrong. An accord was made and not kept by XXXX XXXX. They should collect from XXXX XXXX XXXX. 

Read the reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 50 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.

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