BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: AES/PHEAA
State: NY
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:
I have spoken with Fedloan multiple times over the past few months about getting all of my loans into a REPAYE plan and placing all my loans on the same schedule as I am a medical resident and qualify for the PSLF program and need to be in an IBR plan. I was approved for the REPAYE plan on XX/XX/19 and all my loans were placed on the REPAYE plan. Then, a few weeks later on XX/XX/19, out of nowhere, some of my loans lost their forbearance and deferment status and were suddenly placed in repayment on a Standard repayment plan. I called and was told that this was a mistake and my loans were going to be replaced into forbearance so that all my loans would go into repayment at the same time. That was fixed and all my loans were back in REPAYE. Then, on Friday XX/XX/19 I received a letter saying my loan terms were recalculated and I was placed back into the standard repayment plan. I called on that day and was told that an error occurred on behalf of fedloan when my application for REPAYE was initially approved. They said I should have never been placed in the REPAYE plan and in order to get my loans back on the REPAYE plan they must generate an exit bill that I have to pay in order to go pack into REPAYE. My conversation was left stating if I pay the generated bill of {$5.00}, all my loans will go into REPAYE when they process my IDR application and I will not be responsible for any other payments towards my loans during the months it takes to process this. On XX/XX/19 I paid the {$5.00} bill and was told it would take up to 20 days to process my IDR application ( that at this point was submitted on XX/XX/19 ). Today is now 20 days since payment and my account has not been switched back into REPAYE and I received a new bill for XXXX of over {$3000.00} since I am still on the standard plan. Since I am eligible for PSLF, I have now missed out on 2 payments towards the program, which is frustrating as I am eager to begin making eligible payments towards the program. Throughout all of this, I have contacted fedloan multiple times via phone and email. My email on XX/XX/19 was never answered by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I pulled my credit report from Equifax. I noticed a collection account on my report that should not be on my report as the statute of limitations to collect and report the debt have well since passed. The alleged debt still owed is from XXXX University  in the amount of {$1400.00}. This account was opened in XX/XX/XXXX. I filed a dispute through Equifax and their response is that the debt was verified, however, I made it clear to them when I filed the dispute that the statute of limitations of 7 yrs has long since past. In their dispute answer, it states that the last payment made on the account was in XX/XX/XXXX. This is utterly false. However, I have made *no payments* on this account since on or around XXXX. In the past several years I have also attempted to contact XXXX to inform them they need to remove the account from my credit report. They have not complied. Please also note that this account has long since dropped off my XXXX  and XXXX  credit reports. I request that an investigation be open and to have XXXX *prove* that my last payment was in XX/XX/XXXX ( which of course they can not ). It has been more than seven years since my last payment and I request that it be removed from my Equifax account. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} 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 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-30
Company: Southwest Credit Systems, L.P.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I responded to a promotional offer from XXXX and opened a XXXX cellular account on XX/XX/XXXX, which represented four lines and two new phones purchased from XXXX. The sales representative assured me that I had a 14-day free trial period within which I could cancel service, return the two phones, and owe nothing. 

The service proved unsatisfactory so I cancelled my account on XX/XX/XXXX and returned the phones to XXXX, within the 14-day trial period. XXXX emailed a cancellation confirmation, copy enclosed. 

Four days later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$2200.00}. One month later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$310.00}, followed by a paper copy. Obviously, neither the first nor the second bill was correct nor justified under the terms of the free trial. Upon cancellation of my account, XXXX blocked access to my account so billing details were unavailable to me. Billing details were evidently unavailable to XXXX representatives as well since multiple phone calls to XXXX representatives were unsuccessful in providing details of the charges. 

I mailed XXXX the enclosed letter, dated XX/XX/XXXX, which detailed the facts surrounding the disputed charges, and never received a response. I mailed XXXX a second letter dated XX/XX/XXXX ( copy enclosed ) and never received a response to this letter as well. 

In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX regarding the {$310.00}. I mailed the enclosed letter, dated XX/XX/XXXX, and received no response. 

In XX/XX/XXXX, I received a collection notice from XXXX XXXX, mailed them the enclosed letter dated XX/XX/XXXX, and never received a response. 

Finally, after recently viewing my credit report, I saw that a third collection agency, Southwest Credit Systems, has been retained by XXXX. I phoned them XX/XX/XXXX and was told to provide them with copies of my previous correspondence so they could contact XXXX for further instructions ( copy of my letter enclosed ). 

Given XXXX 's continued abysmal performance in this matter, I will not be surprised if nothing comes of Southwest 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX 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 non-monetary relief
Consumer complaint received 2023-03-14
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 XXXX XXXX Bankruptcy case number XXXXXXXX XXXX XXXXXXXX Bankruptcy case number XXXX XXXX XXXX  account number XXXXXXXX XXXX  account number XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING

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 2018-12-21
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was notified about a loan taken out in my name at CashNetUSA. CashNetUsa would not assist without a police report. I have filed a police report and sent to this company as they requested. I have spoken with their Fraud department and was told they would send the details on the application that was fraudulently completed in my name but have not received it. They stated they would send this two weeks ago but it has not been received. I have left multiple messages for their fraud line with no response. I have called the corporate offices and have gotten no assistance. It is very frustrating to be a victim of identity theft and get zero assistance from the company. This company seems more interested in helping the criminals than the victims of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account had activity that was fraudulent. I reported the activity and even stated that I did not make those transactions. Claim was processed and approved but there was still a hold on my account. My question is instead of keeping a relationship with your customers why do you guys close accounts when it has nothing to do with us that fraud has occurred. If they investigate and see that it was fraud why close someones account and then I need the money. I wouldnt file a claim if I didnt need the money. I live a normal life. They let the folks withdrawal the fake check and take my money but wont let me even use the funds that was credited back. Thats backwards. Like why have a fraud team if the goal isnt to help keep customers.

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 2019-12-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never missed a mortgage payment in 10 years with wells fargo Recently i have been paying down my mortgage with principal only payments Issue is WF continues to misapply funds. Regular payments of XXXX {$1400.00} have been paid for 10 years. I pay from my credit union account to wells fargo. The payments get applied as principal and vice versa, principal only payments $ XXXX {$4000.00} per payment, get misapplied as well. 

My account is now over due and late fees have been applied. 

I have contacted wels fargo 5+ times to get this resolved. They tell me it is a " software coding '' issue. 

I am concerned that my credit rating will be impaccted by this. 

I am not in or near finanical distress this is an administrative issue that needs to be resolved by Wells Fargo Well Fargo has told me 3 + times that the issue is " resolved '' but it  continues to persist. 

This issue is active and has been ongoing for the past 3 months or so

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 monetary relief
Consumer complaint received 2021-01-30
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: Investigation took more than 30 days

Complaint:
Hello, On XX/XX//2020 I opened a dispute on my Equifax credit report. Disputing a debt owed by a company I did not enter into any contract with. 

As of XXXX/XXXX/2020 that dispute has yet to be resolved. 

After verifying my identity by submitting a copy of my driver 's license and social security card. I was told it had been more than ( x ) amount of days, and I needed to resubmit my id & ssc to verify my identity again. 

Answering their 5 verification questions, I always manage to provide the " wrong '' answers according to them. However, the fact of the matter is ; I've answered the questions truthfully and they ate not able to explain how or why the answers are wrong. Even after verifying my identity the first time around. 

To this present day I've done my part to resolve the issue but them not being able to reach a decision, is hindering me from being able to reach my credit goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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