BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent many letters trying to get Experian and XXXX to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have not.

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 2017-06-15
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: Account information incorrect

Complaint:
We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My FICA score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with Experian who has NOT updated the other  XXXX  bureaus! NOTE on each complaint filed  XXXX   XXXX  WAS included as was  XXXX !!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to Navient. I currently am unemployed and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below XXXX due to this. This loan was from XX/XX/XXXX and is under XXXX due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-09-15
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a medical resident that has been trying to pay back my loans with FedLoan. I submitted to be on pay as you earn four times during my second year in residency, and I was denied because they said I made too much money. When I spoke to them, I finally got through to a supervisor who said this was their fault and I can be back on PAYE. However, before this happened, they capitalized XXXX dollars on XX/XX/18. I called immediately about this, and they said that this should not have been capitalized and that it is their fault and they will submit a request to have it changed. It has now been almost three months, and I have been placed on income contingent, then forebearance, then income contingent, and now finally back to pay as you earn. They also sent a letter saying I now have XXXX more dollars that will be capitalized due to all of the switching. I called and they submitted another request to have this changed. SO now I have XXXX dollars of capitalized interest that should never have happened, and they refuse to let me speak to the people in charge that deal with these complaints. I can barely afford to live on my resident salary, and I am never going to be able to pay back these loans if they keep messing it up. PLease help!.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of then debt through a process called debt validation. 
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I've never given my written consent to share ANY of my information

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 2018-11-04
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied several times and was denied by Ocwen financial servicing for a modification loan, even got 3 jobs and was still denied. Filed bankrupcy in XX/XX/2017 and then got hurt in job and couldnt pay bankrupcy payments and so it was dismissed. Please help. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi- I filed a wire transfer with Wells Fargo 10 days ago and it did not go through. Upon reviewing the documentation, I discovered that the bank rep had made TWO mistakes typing the IBAN number on the transfer. I had found the first one at the time, but she sent the wire after that and signed off on it. My brother-in-law in the XXXX was in dire need of these funds ( {$22000.00} ) as he was laid off from his airline position, his employer revoked his visa and the gov't is threatening him with prison if he does not leave IMMEDIATELY! This, plus he just found out that his son in The XXXX was diagnosed with XXXX and is XXXX XXXX XXXX, requiring immediate assistance. I have gotten the runaround from Wells Fargo, constantly being told " we will get back to you ''. The money was automatically deducted from my account on XX/XX/10. I received an email from their 'Executive Office '' Complaints Specialist, signed by a XXXX XXXX ( no last name ) instructing me not to reply by email. I believe they are trying to avoid any written proof of the bank error which may cost my relative a prison sentence in the XXXX. They keep saying they 'will get back ' to me, but time is running out. My brother-in-law 's bank told him that all they have to do is send the CORRECT IBAN and the money will be released. I informed numerous management at Wells Fargo to no avail. Please help!

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 2021-08-06
Company: GLOBAL PAYMENTS DIRECT INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Global Payments Check Services LLC is contacting me in attempt to collect a debt I do not CONSENT to as a Consumer, they have used profane and abusive language by my standards as well as calling me repeatedly at inconvenient times such as work, I have issued them a written affidavit as well as a cease and desist order accompanied with a bill of particulars for each violation. They received this information on XX/XX/2021 via Usps certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 mailed all the necessary paperwork off to Transunion to have these accounts that do not belong to me removed, and they have not investigated the matters or responded to me.

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 2018-11-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hard Inquiries don't belong to me.

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 2018-11-04
Company: BB&T CORPORATION
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 just received an alert showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX that I do not recognize or have authorise. Please correct. Creditor Name : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

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 2020-08-20
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was quoted for interest rate of cash-out refinance with 4.125 % interest rate and XXXX. Therefore, I cancelled the mortage loan with XXXX XXXX XXXX that was almost closed in beginning of XXXX XXXX approved and ready to close ) to go through the loan with Loan Depot since I saved paying XXXX loan point. The loan officer from XXXX XXXX XXXX informed that he could not match the pricing that Loan Depot offered me and so I should move forward with Loan Depot. The loan officer from Loan Depot ( XXXX XXXX XXXX also informed me that the appraisal that I had with Mega Capital Funding could be used in Loan Depot since it was not from XXXX XXXX XXXX the exception company not allowing transfer of appraisal ). However, later he informed me that the previous appraisal could not be used and I had to pay for the new ones ( XXXX appraisal for XXXX refinances ). I did not complain about it and just paid for both. After appraisal was completed and the loan was approved, XXXX XXXX informed me that he quoted me single family resident and the loan point increases to XXXX point in order to close. I informed him that this is not my mistake, but his, and so the company should pay for it. He refuses. 

I also have another loan with Loan Depot that I cancelled from XXXX XXXX XXXX to go through with Loan Depot ( 4.125 % and XXXX loan point ). I did not hear anything back regarding this loan and the loan agent might pull the same trick by increasing the loan point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: FIFTH THIRD FINANCIAL CORPORATION
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 just received an alert showing a hard inquiry from Fifth Third that I do not recognize or have authorise. Please correct. Creditor Name : Fifth Third Bank Inquiry Date : XX/XX/2018 and XX/XX/2018. Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
XXXX XXXX COLLECTION/CHARGEOFF Other {$1000.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported This debt is showing on my XXXX and XXXX reports and it is not mine. I have called these people and mailed them. Please remove from my file. Please update my reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Ditech Financial LLC
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 information incorrect

Complaint:
Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late in XX/XX/2018 and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom  it may concern, I have requested a loan modification from Wells Fargo, they are reviewing me for a loan modification. I have provided 6 we eks paystubs, showed proof of occupancy and now they are asking me to provide a last pay check from companies that I had worked in  XXXX   2017 , even though I have a new job that started  XXXX / XXXX /   17  and provided paystubs.   XXXX  I have asked my old company, but have not heard anything yet. I 'm concern, because what I made last year or a few months ago should not be considered in my request for a modification. I believe that they are trying to ask me for something that they have not asked others for.   XXXX  I have spent a lot of money jumping through their hoops and lost plenty of sleep. The only reason they stopped the sale of my home was because I finally spoke to someone in their office that was very helpful. I over knighted a package to their office, but they could not find the documents or the person who signed for them.   XXXX  Thank you

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 2020-01-21
Company: SLM CORPORATION
State: MN
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:
XXXX  has my Sallie Mae loan listed two times on my credit report. They have it listed as a paid charge off. They also have it listed as a collections. It is not in collections. It was sold to a different Company who agreed to delete their tradeline after it was paid.. It was paid and deleted however, now the Sallie Mae is listed in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.

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 2018-09-15
Company: Halsted Financial Services, LLC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is now my second complaint against Halsted Financial Services. Four days ago I submitted a complaint ( XXXX-XXXX ) for repeated phone calls, despite my many requests for the calls to stop. Halsted responded to this complaint two days ago and said they did not have any information on me and verified my number has been removed. Unfortunately, the calls continue. When asking who the caller was from, some told me they worked for Halsted and others were hesitant to disclose their company name and just said " a financial institution. '' I have asked repeated times for them to stop calling. I assume they're a debt collector, however all of my accounts are current. All of these calls have a caller ID starting with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
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: Their investigation did not fix an error on your report

Complaint:
recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX declined me,XXXX  fcra, same job XXXX years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
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:
XXXX  refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.

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