BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: AES/PHEAA
State: KS
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:
There is a loan that was disbursed XXXX in the amount of XXXX with the U.S Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In light of the recent data breach at I think it 's unfair that I have to pay to freeze and thaw my credit report three separate times when the information I am paying to freeze/thaw is information I never asked to be collected in the first place. Why is it my responsibility to pay to protect the accuracy of unwarranted data collection by a third party? I 'm at risk of having my identity stolen and the only protection is for me to pay money to three companies, one of which has already proven itself to be incompetent. This is ridiculous and I think legislative action needs to be taken now to prevent further disasters like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I been disputing a old wells Fargo account from XX/XX/XXXX it is a closed account an paid off it closed on XX/XX/XXXX but its reporting 3 inaccurate late payments I been going back an fourth with Wells Fargo for at least 3 months now an have a couple claims open with them they keep saying there going to remove it an should show up on my next credit cycle but it's been about 4 credit cycles so far an its still there showing they removed it off my XXXX report but its still showing on my XXXX an XXXX report now everytime I call Wells Fargo an give them my case number to speak to my case worker she is never there or busy an they say she will call me back an she never does I sumbitted XXXX letters also goodwill adjustment request to emails an also the fora 15 usc 1681 ( 2 ) ( a ) ( i ) exclusions from a consumer credit report an under 15 usc 1681b- permissible purpose of Consumer reports

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just received my credit report and noticed that somebody applied for a XXXX XXXX XXXX XXXX  in my name. This has been an ongoing thing with somebody using my name during this covid 19 tragedy

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 2017-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A few months ago my parents received phone calls on their personal cell homes and home landline from Wells Fargo Dealer Services. Voicemails were left at the time asking them to be called back. My dad returned the call think it was regarding a student loan he had cosigned on with me through Wells Fargo and when he found out it was about a car loan he told them they should contact me and not him as he did n't have anything to do with this and was n't authorized to talk about that account. They then placed calls to my mom 's cell and left a message and my parents landline. I called them back and asked why they were calling those phone numbers when I had never given them those phone numbers, nor authorized them to call those numbers and leave voicemails. They said they had no idea how those calls went out because they did n't have the numbers anywhere on file and should n't be calling those numbers. I told them I was extremely frusterated by this because it caused my parents unnecessary stress and concern. I asked where they acquired the numbers since they did n't have them on file and the associate kept saying he did n't know and they were n't listed anywhere on my file. He said he would make a note that they did n't call those numbers again. I asked that if they wanted to talk about money I owe they call me only and/or mail me something telling me to contact them. Today ( X/X/17 ) my dad recieved a call from XXXX ( XXXX ) XXXX and when he answered they asked for me and he said they had the wrong number and he hung up. They called him at XXXX. A few seconds later the number called my cell. I was n't able to answer as I am at the hospital. <P/>I am upset that Wells Fargo continues to harass my parents in an attempt to reach me when I have asked them not to. Also, that they continue to call phone numbers that they claim to have no knowledge of having or using.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOOLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FC 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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 furish 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 2022-03-19
Company: Experian Information Solutions 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:
Ive been disputing the inaccurate and Incomplete information for 5 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified

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 2017-10-01
Company: Experian Information Solutions Inc.
State: ND
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:
My XXXX credit card account that was opened on XX/XX/2017 was lost/stolen. The balance of {$2500.00} is all fraudulent charges/transactions, and do n't belong to me. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017.

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 2021-03-08
Company: Social Finance, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my mortgage payment for XX/XX/2020 on their website having their agent walk me through it. I was told at that time setting up automatic payments would commence XX/XX/2020. What ended up happening was the automatic payments started right away in XXXX, so they took 2 payments instead of one for XXXX, and another automatic one for XXXX. I have called numerous times ( 7 or more ) and been promised a check is in the mail. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXXXXXX XXXX XXXXXXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 2018-02-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During hurricane Irma we were granted deferment for 5 months! We were told they would put the amount at the end of the loan or work out a suitable affordable repayment and that our mortgage would go up only minimally. After 5 months of derferrement we were told we were being refinanced and were given no choice in the matter. Thus we are 2 payments into XXXX 3 month trial period paying {$300.00} more monthly then before Irma and are XXXX dollars in the rears. We have no idea what interest rate or mortgage amount we will end up with and THIS IS UNFAIR we maybe set up for failure and not even be able to afford the new milysrery payment and hence lose our home to foreclosure. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Data and Contact Management Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX a debt collector called an acquaintance of mine in regards to a debt belonging to my deceased father. The debt collector has already been informed by myself that my father passed away in XXXX and has no assets. He is still calling me once a month. Now he is calling acquaintances of my late father to get information about me and my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX at XXXX XXXX I finally took a call from an unknown number who has repeatedly called my phone and would never leave a voicemail when my phone was unattended. When I answered, they told me that they were XXXX XXXX XXXX who has NO CONTRACT the debt apparently was sold to them from another collection agency who held the debt previously and they informed me they wanted me to pay the debt. I asked them to send me an invoice. They said they must first have my email address. I refused. They kept insisting then they put a supervisor on who sounded like the same man. And told me if I did not provide an email address they would provide me a mailed copy of an invoice. So I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CCS offices called from XXXX asking for a XXXX. I have told them numerous time not to call and I don't know anyone with the name XXXX. 
XX/XX/2019 XXXX XXXX asked for a supervisor since informed numerous of times not to call. Talk with XXXX and explained more than 10 times asked not to call number. Asked who managed the call center she would only provide the name XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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: Information belongs to someone else

Complaint:
See attached documents from XXXX XXXX/ XXXX XXXX credit card services, in reference to this fraudulent account that has been disputed several time with all 3 credit bureaus and also reported to Identity Theft. XXXX has already deleted this account by XXXX XXXX by their investigation and also sent me an updated credit report via mail. I am requesting for Equifax and XXXX to remove this account from my credit file immediately. This account was opened unauthorized and is damaging my credit file. See attached documents from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the employer, XXXX on my XXXX report, under Employer. I have never worked here. 

Please correct my name, XXXX XXXX XXXX on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-01-10
Company: Village Capital & Investment LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Village capital attempted at least 4 times to defraud me on a VA montage refinance they were violating the closing costs established by the department of veterans affairs, the origination fee established by the department of veterans affairs and charging me excessive fee for a point I shouldn't have had to pay for at all they attempted to finance my escrow into the loan or make me use it to pay down the loan they delayed closing due to incorrect information on the paperwork which was adding more interest I would be required to pay that is fraud and deliberate Village capital uses deceptive tactics against veterans the lender bragged about using the tactics against the consumers to me the lender was told by me the loan would be refinanced be another lender he then called me after I sent email to cancel refinance and was bullying me saying I would not found a lender better then him saying rates went up denying deceptive lending tactics the whole time on the phone his assistant didn't even pay attention to anything I told her or my financial institution told her regarding pay off amount by asking for 30 day payoff the lender was trying to force me to default on the loan and continue the delay causing more interest to build up they targeted me based on XXXX as I'm a XXXX veteran and that is my income even though I repeatedly told them I would provide all closing costs out of pocket not they the loan they village capital uses bullying and deceptive tactics to trick consumers into playing a higher loan amount and into accepting it thru fraud i informed them they wouldn't make the correct changes sent me incorrect paperwork 3 times and still incorrect over the phone they don't intend to correct they intend to defraud and they targeted protected classes of people who have federal protections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom It May Concern, I am an account holder with a credit card issued by Barclays USA. In XX/XX/2022, Barclays provided me and presumably other account holders with an offer beginning XX/XX/2022 and ending XX/XX/2022, stating that ANY airline or other travel purchases charged to the Barclays credit card during this period would be subject to a discounted interest rate of 3.99 %, rather than the customary standard purchase 20.24 % APR. 

I clicked on " accept offer '' and subsequently, from XX/XX/XXXX to XX/XX/XXXX, charged XXXX XXXX  tickets with XXXX XXXX, XXXX, and XXXX, several XXXX  tickets with XXXX and XXXX XXXX  local XXXX XXXX, totaling {$2600.00}. XXXX  When I received the billing statement yesterday for the time period of XX/XX/XXXX to XX/XX/2022, the purchases were split in two sections, one for standard purchases subject to the standard APR of 20.24 % and one section with the promotional purchases, subject to the promotional interest rate of 3.99 %. 

Inexplicably, the only purchases subject to the promotional interest rate totaled {$590.00}. The XXXX XXXX tickets were NOT included under promotional purchases and instead were included under the standard APR, thereby completely deviating from the offer that was provided to me and presumably other cardholders. 

I contacted Barclays USA today and wanted this issue rectified. The representative on the telephone confirmed that the XXXX tickets were not included in the promotional purchase section and provided with the lower interest rate. Her " explanation '' was that " these major XXXX do not have a deal with Barclays, so you can't get the lower interest rate. '' This is extremely deceptive, illegal marketing, since : a ) The offer did not distinguish or even mention some type of " deal '' or even marketing relationship necessary with Barclays to enjoy the lower interest rate b ) The representative was asked to locate the offer on the website, she stated that " we can't find it, but trust me, you have the offer, don't worry. '' Since the interest rate needs to be recalcuated and the purchases properly allocated the promised interest rate, I am turning to CFPB to investigate and remedy this gross violation of terms. 

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