BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both TransUnion and XXXX  are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XXXX XX/XX/2018. The app says to contact TransUnion or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and TransUnion says they can not confirm my identity. I called TransUnion to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.

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 2018-04-09
Company: EQUIFAX, INC.
State: MD
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:
I have been notified by my credit reporting company that a hard inquiry was made to XXXX XXXX last week XX/XX/2018. I have not requested any products or services from this company for wireless activity. Please check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I am writing regarding my public student loan forgiveness application ( PSLF ). I filed an application for this in XX/XX/XXXX. I received a letter from the department of Education on XX/XX/XXXX. The letter stated that I qualify for the XXXX program and my loans would be transferred to Mohela. I had not heard from Mohela after receiving the letter, so I called Mohela in XXXX of XXXX. Mohela claimed they had not received my application and recommended I contact XXXX XXXX and Dept of Ed. I called and spoke with a representative at both. I was advised my file was sent to Mohela and that it would be sent again. I had not heard from Mohela so called in XX/XX/XXXX. Mohela claimed they still did not have my file. But while on the call, the phone rep claimed he saw the documents but that a file had not been created. He stated I should receive a welcome letter from Mohela within thirty days. It is now XXXX of XXXX and nothing yet from Mohela. I check the status of my application weekly at https : //www.mohela.com/DL/secure/borrower/PSLF/PSLFInformation.aspx There is no status on my form. I have now worked for a qualifying not for profit a total of eleven years. A co-worker submitted his application XX/XX/XXXX and has already received his forgiveness under the program. Somewhere in this process Mohela has dropped the ball. This is very frustrating and I risk losing access to this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo launched Pay Early by giving everyone direct deposit access 2 days early, past direct deposits were available as promised, Today XX/XX/ direct deposit is not available. Its a just another scam from Wells Fargo trying to charge extra fees to people assuming direct deposit is available 2 days early.

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 2021-04-01
Company: EQUIFAX, INC.
State: MD
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 incorrect information on my reports with Equifax pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-10-18
Company: National Medical Administrators, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020, I began to fill out a 'solution for pain relief ' online. I had filled out the majority of the required information, but decided against the product, backed out and never submitted to finalize the transaction. 
In XXXX of 2020, my husband and I got several harassing phone calls from National Medical Administrator , Inc., saying that we were late on payment for a medical bill of some sort. They said that we owed {$230.00}, but would not indicate from whom this bill originated. 
I told her I had no intention of paying a bill that I had no idea what it was. Begrudgingly, she did tell me that it was XXXX XXXX, then provided me with a phone number to reach them after more prompting. 
However, i got online and found another phone number for TRS which I used instead, because I didn't feel I could trust the information she provided. 
I spoke with XXXX at XXXX out of Florida XXXX XXXX XXXX XXXX XXXX ... He told me I had ordered a shipment of XXXX XXXX, & XXXX XXXX  for {$110.00} EACH totaling {$230.00}. 
I asked him to check his records as I had never placed an order with them, nor had I ever received any of this product. He claimed that he had no way of accessing these records since it had already been forwarded to collections. He said I would have to take it up with the collections agency, since it was out of his hands. 
In early XXXX is 2020, I received the FIRST physical communication from National Medical ( see attached ) We're currently stuck in a loop between these two parties concerning a bill due for product that I never ordered, nor received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2023-03-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-10-18
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the date of these purchases that wiped out my available credit line. I did not set foot in conns furniture and make these purchases maxing out my credit line. 
A woman named XXXX posed as me because she had stolen both my identification card and my social security card and went into the conns on XXXX in az on the date I was in jail. Also the employee at conns furniture allowed someone else to make purchases on my account. These are not my purchases. I would never of maxed out my credit line out of the blue on these items. 
They have cameras please check the cameras on this date. I want this looked further into. I had also made a police report a week or so afterwards. Its been a few years dont recall exact date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage on X/XX/2017 and the lien has still not been released. {$210000.00} was wired to XXXX XXXX from XXXX XXXX on that date. We have notification that the payment was received. We have called the people at XXXX XXXX numerous times and they 've assured us that they were working on the problem. All promise-no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am contacting the CFBP regarding this Bank of America account showing on my consumer credit report. Since XX/XX/2015. I have sent 3 credit validation letter and an offer letter to pay a portion of the claimed debt in an effort to resolve although it has never been verified. I am doing everything I can to communicate with this company and work to have this information removed from my credit report. In a previous complaint with the CFBP, I was given this information, If you would like to make payment or settlement arrangements, please contact our Internal Recovery Unit at  XXXX. We regret any confusion this may have caused you. However, the number does not work. I have been calling consistently for over 6 months. The operator answers and says, Thanks for calling Bank of America, we are not available at this time. Try your call again later. The company is not communicating with me and acting as if the damage this account is causing to my consumer credit profile is not urgent. I NEED a resolution and the account needs to be removed from all three of my credit reports. That is all I am asking.

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 2017-06-21
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
One day earlyXX/XX/XXXX, I received from Amex a package containing a new credit card that I have never requested. I immediately contacted Amex at the number printed on the card and complained. I also brought up a very specific request that Amex should investigate when and who applied for the card impersonating me knowing my SSN.
Amex call center representative agreed. But in the letter dated XXXX XXXX from Amex and XXXX, they only apologized for any inconvenience short of mentioning anything about possible ID theft investigation. As I complained over the phone again about their insincerity, I decided to escalate it to the government. The number of the card : XXXX XXXX XXXX Expiry : XXXX Card Holder 's Name XXXX XXXX XXXX ( my original name prior to the naturalization inXX/XX/XXXX ) The package was mailed to my previous address at XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX ( c ) ( XXXX ) XXXX email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX, my house went into foreclosure and Owcen was notified and confirmed that the house was indeed foreclosed and they were going to notified the XXXX credit bureaus ; XXXX, XXXX, XXXX, and update their file. Upon further investigation, it was reveal that Ocwen continue to show that the loan was open and activity on the loan until XXXX XXXX. In addition to showing the loan as active, Ocwen reported to the XXXX credit bureaus that I was 120 to 180 days late when in fact the loan was closed and house was foreclosed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The agency lists multiple addresses on my credit report that is misleading and NOT accurate. I only resided at one address, which is on XXXX XXXX. The current reporting is misleading, not accurate and is in violation of several FCRA statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: Dovenmuehle Mortgage, Inc.
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and XXXX XXXX XXXX XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with XXXX XXXX of XXXX settled for XXXX with XXXX down and 60 payments of XXXX. 

We have made every payment on time and continue to do so as recorded on every statement of ours through XXXX XXXX and showing in all XXXX XXXX records. 

XXXX XXXX has transferred servicing of loans to a company named Dovenmuehle Mortgage Inc. ( DMI ) representing XXXX XXXX. 

Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from XXXX/DMI, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by XXXX XXXX ), for the full amount. 

There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any XXXX XXXX phone line, extension or email. 

Our payments of XXXX are being made directly now through cash payments at the XXXX XXXX XXXX in XXXX WI and are showing as accepted by XXXX/DMI. 

With every phone call the XXXX/DMI representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA. 

We are requesting by XXXX/DMI, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: PA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-31
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan # XXXX with US Bank Mortgage was paid in full on XX/XX/2020. I called customer service today and spoke with XXXX who acknowledge that the loan had been paid in full and said that I would receive my escrow funds ( almost {$4000.00} ) in 30 days or near the end of XX/XX/2020. She could offer no explanation for the length of time other than to note that a check had to be mailed. I should be able to receive a my escrowed funds in a commercially reasonable time or one to two weeks. It is not fair to keep this money for that long.

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 2017-06-21
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
spoke to state collections to resolve issue but they were only interested in collecting information from me. on XXXX XXXX told them to send me information about this debt as required by law, still have not received information. they have reported to credit agencies affecting my credit.

Company response to consumer: Closed with explanation