BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ran my credit unauthorized by me on XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent them all certified letters asking to remove these inquiries. It has been 4 months and they are still on my credit report. 
I did not apply for credit with any of these companies and would like for these inquiries to be removed.

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 2020-05-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo put me into CARES act forbearance without my consent. I was unable to make a payment online like I usually do. I called and was on hold for an hour but finally was able to talk to a rep, named XXXX. I told them they put me into forbearance without my consent. He apologized and said that the system is like a " hair trigger '' even though I did nothing to start a forbearance, I've never missed a payment, have no reason to apply for forbearance and am able to make payments. The rep said he would reverse the forbearance but that it would take 2-3 days and took my payment over the phone. This took place on XX/XX/20. I have recently been looking into refinancing with rates so low. I get an email today from my new potential lender stating that my credit report, which they pulled XX/XX/20, showed that my current mortgage with Wells Fargo is in forbearance, labeled " payment deferred ''. This may affect my ability to refinance my home. Also, Wells Fargo is contacting me about refinancing. On the XXXX   website and under the CARES act it states : As part of the recently enacted Coronavirus Aid, Relief and Economic Security ( CARES ) Act, mortgage accounts in forbearance as a result of COVID-19 can not be reported negatively to the credit bureaus by lenders. The wrongs are in apply forbearance to my mortgage without verbal OR written consent and the fact that they reported this forbearance to the credit bureaus. And now on my account showing the payment I made on the phone for my XXXX payment is deemed " unapplied funds '' with the description on their website : We have received funds that are not sufficient to make a full payment on your loan. If we are automatically withdrawing your payments based on a recurring weekly, bi-weekly, or semi-monthly schedule, your funds remain unapplied until we have received an amount sufficient to make a full monthly payment for you. If you are on a repayment plan and have made an agreement to make payment amounts that are different from your regular monthly payment, some funds may be unapplied. This is infuriating and could cost me ~ $ XXXX in interest savings and a decrease in previously exceptional credit of 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 2020-05-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not a complaint. Its acually a request for help. This situation is being overwhelming for me now. This is about a mortgage account. The account information is the following : Card # XXXX, openedDate XX/XX/XXXX, Highest Balance {$6200.00}. 

I have a perfect payment history on this account since it was opened in XX/XX/XXXX ; until XX/XX/XXXX and XX/XX/XXXX that I was marked late. I have been affected by covid19. Its been a terrible situation. I called multiple times a day to get deferment but I was put on hold for hours and could never get through due to high call volume. This was not my fault, chase should backdate the deferment and remove the lates. 

This was lenders negligence and unfair business practices, they were giving deferments but he could never get through on the phone to get deferment. We are living dificult times, and I hope to get a fair solution to this matter. I am requesting to get the XX/XX/XXXX-XX/XX/XXXX late payments corrected. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was sent XXXX $ to my Paypal prepaid Mastercard, and they put a hold on the money but it was received. But I've done all the requirements to uplift the hold on the money I have on my Paypal account so I can transfer it to my Prepaid Paypal Mastercard. They said they can hold it up to 21 days because I'm a new account holder, but there was waysto get the money faster, which I followed every step but still have a hold on the money.

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 2018-02-03
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 is missing that should be on the report

Complaint:
Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with Experian, XXXX   and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.

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 2019-03-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During my sons stay at XXXX College of art and design from XXXX through XXXX, we took out XXXX student loans through XXXX under my son 's name totalling {$68000.00} {$4000.00} on XX/XX/XXXX {$15000.00} on XX/XX/XXXX {$18000.00} on XX/XX/XXXX {$31000.00} on XX/XX/XXXX When my son graduated he continued to pay another loan of XXXX dollars under his name, in the year of XXXX my taxes were deducted because they owed {$85000.00} dollars because, they star to charging interes from the first day that we took the loans on XXXX, the loans when my son graduated, was charger with 4 years interes, I do not know how those loans were left to my name. According to XXXX XXXX I would pay monthly only XXXX dollars for a year to come out of collection and I do one year auto pay, but they never told me that the loan would continue to increase and they transferred my account to NAVIENT now, they charge me {$95000.00} because they say the interest is up to 7.9 % When I was never notified of this XXXX loans in 5 years, I was assuming that the loans in fafsa were free student loans, my son was never informed during all these years because they were confidential in my name, but I'm not thee student they need to know about the loans, very appropriate for the company to continue increasing the interest in an incredible way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in XXXX XXXX at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my XXXX   school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the White House and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: NV
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:
According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that XXXX XXXX XXXX is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with Experian, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and Experian has my full consent to resolve this violation.

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 2021-04-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX XXXX is a new credit card XXXX replaced when Co was sold to a new onership.I was with XXXX old card since XXXX paid on time, bought many things, including partial roof and siding for my home, never had an issue.I was issued a XXXX XXXX XXXX Card with the last # XXXX in XXXX.It had a fraud charge near the end of the yr XX/XX/XXXX, I called and paid the amount and fees I owed but not the fraud amount they stated it was removed, They send a letter stating the card was now closed # XXXX replacement card last # XXXX, I never used the new card, then in about 2 weeks I received a statement sent to me with a fraud order XX/XX/XXXX SP Quest nutrition XXXX CA with FEEs! I called that day and canceled my credit card and business with them, also I send several letters which they are ignoring now the balance is $ XXXX.Now my XXXX is XXXX from XXXX.My credit records always are good.Also if you see XXXX and the Shop your way Card # XXXX, I paid my bill.And when you try to talk to the operators they they hardly can speak english.I do not owe [ Shop your Way ] any money, Please help me with this, I have went to website and Shop Your Way has many complaints by many of their customers. 
Ms 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 monetary relief
Consumer complaint received 2020-02-13
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: Account information incorrect

Complaint:
I have repeatedly disputed inaccuracies with an account named XXXX XXXX on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can not be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my XXXX   school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the White House and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.

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 2020-05-21
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I HAVE JUST LEARNED THAT ALL OF MY PAYMENTS HAVE BEEN MISS APPLIED FOR YEARS NOW! THE COMPANY HAS TOLD ME ON XXXX XXXX THAT THEY WOULD FIX THE PROBLEMS BUT TO THIS DATE OF XXXX XXXX THEY HAVE NOT MADE THINGS RIGHT AT ALL. I NEED YOUR HELP PLEASE THEY ARE STILL MISS APPLYING MY MONEY TO THE ACCOUNT AND THEY ARE NOW CHARGING ME A NSF FEE THAT THEY JUST WAIVED THE FEE BUT I ASKED THEM TO COMPLETELY REMOVE THE FEE BECAUSE I HAD NOTHING TO DO WITH ANY KIND OF NSF CHARGES WHATSOEVER ; & THEY ADMITTED THAT IT WAS AN ERROR ON THEIR PART AND WILL NOT TAKE IT OFF MY ACCOUNT AT ALL! PLUS THEY HAVE FOUND A LOT OF MONEY THAT HAS BEEN APPLIED TO AN UN APPLIED FUNDS ACCOUNT THAT I DID NOT KNOW ANYTHING ABOUT UNTIL XXXX XXXX WHEN THEY TOLD ME ABOUT IT THEM SELF 'S YES I HAVE TRIED MANY TIMES TO GET THEM TO DO WHAT THEY TOLD ME THAT THEY WOULD MAKE THINGS RIGHT WHEN I HAVE ALREADY GIVEN THEM 30 PLUS DAYS TO FIX THE MATTER ; AND THEY HAVE NOT DONE ONE THING WHAT SO EVER IN FACT I WAS TOLD THAT THEY SEE MY PAYMENTS ; BUT NONE OF THE PAYMENTS WERE REALLY APPLIED TO MY MORTGAGE ACCOUNT AT ALL THERE FORE THEY ARE WAY OVER CHARGING ME ON THE PRINCIPAL BALANCE, I AM XXXX WITH XXXX XXXX AND XXXX XXXX INJURY I AND GETTING TO BE ELDERLY! THEY DO GET ALL OF MY MONEY EACH AND EVERY MONTH I HAVE NEVER BEEN LATE AT ALL ; I HAVE NEVER UNDER PAID ANY THING WITH THEM AT ALL! 
I HAVE ALWAYS BEEN EARLY EACH AND EVERY MONTH! I HAVE ALWAYS PAID EXTRA ON THE PRINCIPAL ONLY EVERY SIGNAL MONTH ALL THE TIME THAT I HAVE HAD THIS MORTGAGE ; AND I HAVE TO BARROW THE MONEY EACH MONTH TO PAY ON THE PRINICPAL ONLY PAYMENTS I HAVE NOT PAID ANY EXTRA PRINCIPAL FOR THE MONTH OF XX/XX/2020 BECAUSE I AM AFRAID THAT THEY WILL MISS UP MY PAYMENTS AND CHARGE ME AN NSF FEE AGAIN ; I HAVE ALSO TOLD THEM THAT I CAN PROVE THAT I DIDN'T HAVE ANY KIND OF NSF FEES OR CHARGES OR ANY RETURN CHECK FEES PERIOD MY BANK HAS WROTE A LETTER I HAVE TOLD THEM ALL ABOUT THIS LETTER AND I HAVE TRIED TO SEND IT TO THEM BY FAX BUT I HAVE NOT GOTTEN ANY REPLY FOR THAT FAXED LETTER AT ALL I NEED YOUR HELP PRETTY PLEASE THANK YOU KINDLY FOR YOUR TIME SORRY FOR THE CAPS BUT I HAVE A HARD TIME SEEING THANK YOU. 

P.S. YOU MAY PUBLISH THIS BUT I ONLY ASK THAT MY NAME AND EMAIL AND MAILING ADDRESS NOT TO BE USED YOURS TRULY XXXX XXXX PHONE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have repeatedly asked for evidence to support your reporting, but yet again, TransUnion has failed to provide me with a copy of any viable evidence submitted by the following. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have sent seven ( 7 ) or more previous letters to you, all by certified mail ( copies of receipts attached ) requesting that you remove inaccurate information from my file and you have failed to do so. Since the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) I repeatedly asked for Validation as well as Verification and even requested the method of verification, and TransUnion has not complied still. The following information, therefore, needs to now be deleted from my credit file. I have given TransUnion ample time and opportunities to make the appropriate corrections to include 1 ) correction on Account Numbers ( description ) - all descriptions end with XXXX Therefore I can not verify the correct account is being properly reported. The line item is incorrect if the account number is not listed therefore and again inaccurate information is being reported, 2 ) Outdated employment data is reported. All companies listed under this section is no longer reportable as I am not employed with any of those companies, 3 ) Telephone number ending in XXXX does not belong to me this is an unknown telephone number. In reviewing my credit report dated XX/XX/XXXX, I realized there are several inaccurate listings still. These accounts are incorrect and several are outdated. All reported data must be complete, correct, and proven if challenged.

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 2017-08-10
Company: EQUIFAX, INC.
State: OK
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 have items that were dated wrong, XXXX now showing up as XXXX, not sure why, not applied for credit more then 3-4 times now listed over 7 times which nick my credit down plus XXXX XXXX card we or I cut up and returned to company is listed on my report tried to ask Equifax if there my mom credit cards and on one of them why is this reported as thought it was all my debt since she is XXXX has health issues and asked me to get her things at the store or on line, as said not sure it seems to put my credit off it it assumes I am responsible fully for being added after the fact to one of her credit cards which I believe are in good standing. I asked could I be held fully for this debt and if its listed as both of us why income or only most half shown since I am not the original card holder but seem to get ignored I am also having mom remind XXXX. XXXX XXXX card was returned after I cut it up and she had me removed which was or should of never been sent as she removed me earlier that year. This is wrong and or dates wrong, had ID theft but if they have your info guess one is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who is this and shows up twice why? Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXwho is this Inquiry from XX/XX/XXXX XXXX XXXX XXXX date XXXX? Inquiry from XX/XX/XXXX XXXX XXXX CXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX No idea who this is or why it is here. XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: Continental Finance Company, LLC
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:
On XXXX. XXXX, 2019, CONTINENTAL FIN CO add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX/XXXX  add a hard inquiry on my credit report per 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