BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
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:
XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called I.Q. Data. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: 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. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  # 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 : 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 then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 2018-08-23
Company: Massachusetts Educational Financing Authority
State: MA
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:
Two payments were made, the first on XX/XX/XXXX for XXXX confirmation code XXXX. The second was made XX/XX/XXXX also for XXXX confirmation code XXXX. Despite these payments which would have brought my amount due to 0, I continue to receive emails and regular mail letters stating I am severely overdue. On Tuesday XX/XX/XXXX an XXXX XXXX XXXX rep told me the issue stemmed from the payments being made " during a transition '' and the issue would be resolved and the payments applied. Today a gentleman told me my loan has not " fully converted '' to their company and that he wasn't sure why. The payments were both deducted from my bank account but seem to be lost in limbo. My primary concern is if the 2 payments take too long to apply and the delinquency is reported to credit bureaus, considering they've now been lost for 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX credit bureaus shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Theres an account showing on my credit report that does not belong to me. Its from XXXX XXXX XXXX   opened on XX/XX/2015 with a balance of {$640.00}. This account is not mine at all. Also, there one from a company called XXXX XXXX XXXX opened on XX/XX/2015 with a balance of {$1400.00}. These accounts do not belong to me or were opened fraudulently!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Billed a lump sum of XXXX interest after ironically getting my balance paid down as well as closing my account without prior notification. Disclosures were not provided and business practice was not open and honest. Lowe 's Credit Card is a very bad business association and I will never do business with this company again. I will be sure to inform any persons considering this company of how misleading and dishonest they are.

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 2023-02-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had my Navy Federal Checking Account and Navy Federal Credit card for over 3 years and Navy Decided to close my checking account do to fraudulent funds received. Navy didn't provide me any information on how the funds were fraudlent or provide me any documentation proving that I knew any funds were fraudulent. I am highly offended for any institution to characterize me as a person involved in any such activity. The closing of my checking account and credit card has a dramatic effect on my current credit and future credit abilities. I've had no problems with Navy Federal for these years and can't believe they closed my accounts in this manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX 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 : 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2020-10-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern at Wells Fargo : This complaint is in regard to the forbearance plan. I was persuaded by a rep to participate in this plan. She was the one who suggested it. I never asked her first to be placed on the plan. The plan was never fully explained before I was signed on to it. I was told I could suspend payments while my loan modification ( which was terminated in XXXX XXXX was reviewed. I didn't need to suspend payments at that time and I still do not need to suspend them now. I would not have asked to be put on this plan because my understanding was that forbearance was for people who lost their jobs/needed help due to the pandemic, and that clearly didn't apply to me. 

As I have not missed a payment, I have not used this forbearance plan. When I've signed onto my WF online account, it was stated that I could remove myself/not extend the forbearance plan. Strange how the link did not work for me. I've tried many times, including this evening. What comes up every time is a number I have to call instead. 

I do not plan on ever calling Wells Fargo again, because your reps lie and provide misinformation, even in the EXECUTIVE office. My understanding is that this plan ends at the end of XXXX. I have not used the plan and I have no desire to extend it. So this complaint will serve to inform you not to extend the forbearance plan. 

In addition, you stated in recent response to a complaint, that I had requested a loan modification in XXXX. I do not believe that date is correct, but I will check on that later. What I am sure of is that you OFFERED me a loan modification. I had no idea what a loan modification was or that it even existed until it was offered by you. You offered it, you told me repeatedly that I didn't have to get the paperwork notarized month after month because of my fear of contracting the virus, and I never missed a payment. Then you cancelled the loan mod without even notifying me. You offered the loan mod, you lied about it, you added thousands of dollars to my account stated as " overdue, '' and set me up to fail. 
Please note that I am going to submit all of my WF statements to an accountant next week. As I've noticed that my statement online frequently changes without any reason for the changes such as a payment, I suggest you make sure current statement is accurate, or I will be submitting another complaint.

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 2022-10-27
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I purchased my first home at XXXX XXXX XXXX, XXXX, NJ using a mortgage loan wherein the latter designated XXXX XXXX as the lender with a principal balance of approximately $ XXXX upon me putting down approximately $ XXXX. In or around XXXX XXXX, I discovered that : ( 1 ) the foregoing transaction was discharged by Wells Fargo Home Mortgage ( " WFHM '' ) in XXXX XXXX without my knowledge or consent upon someone creating a refinance through XXXX XXXX   XXXX  ( XXXX XXXX ) XXXX XXXX  XXXX dated XX/XX/XXXX without my knowledge and or consent ; ( 2 ) WFHM continued taking monthly payments for me for XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) XXXX XXXX XXXX  XXXX XXXX ( " XXXX '' ) continued taking payments from me from XX/XX/XXXX through XX/XX/XXXX towards what I believed was my original purchase, not knowing said payments were going towards the forged refinance. 

Furthermore, I have not received proper credit for all of the payments that I made for the months XX/XX/XXXX through XX/XX/XXXX. 

Today XXXX by and through XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX  '' ) are foreclosing on my home in the XXXX XXXX of New Jersey under Docket XXXX. : XXXX since the year XXXX to present date, using a forged refinance mortgage loan recorded in the year XXXX ( See Exhibit A ) for which an expert handwriting expert confirmed by way of report dated XX/XX/XXXX that someone other than me authored and forged my name on mortgage loan documents as displayed within Exhibit " B '' annexed hereto. 

Furthermore, XXXX by and through XXXX commenced foreclosure in XXXX XXXX annexed hereto as Exhibit " C '', and the assignment instrument asserting a transfer of the forged mortgage loan is dated in XX/XX/XXXX and displays an email communication between XXXX and XXXX conspiring to create the document ( See Exhibit D ).

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 2022-10-27
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 submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2018-08-23
Company: WELLS FARGO & COMPANY
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:
Contacted Wells Fargo in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been 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 non-monetary relief
Consumer complaint received 2018-03-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan servicer is Navient. My student loans according to my credit reports have been transferred several times between XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Navient. 

Each of these transfers occurred during a 5-year bankruptcy and I need complete  detailed records from each transfer to be sure all payments were accounted for prior to, during, and after the transfers. 

The federal bankruptcy court trustee provided me with a list of 36 payments totaling over seven thousand dollars paid in XX/XX/XXXX & XX/XX/XXXX that I don't believe were credited to my student loans, because the balances never change. Details of these payments were sent to Navient three times. 

Navient appears to be having difficulties producing a simple list of all activity [ debits & credits ] on my two student loans. The Navient website is useless because it only contains the student loan balances with no payment history. My quarterly statements from Navient show no last payment dates or amounts. 

I need help obtaining a simple detailed account history of all charges and payments from loan inception to today. I have sent letters to Navient on XX/XX/XXXX, XX/XX/XXXX, and an email today XX/XX/XXXX to their advocate. 

Any help from the CFPB would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Under Personal Statement the following appears : XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX XXXX XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX XXXX XXXX. 

Does this need to be on the reports if the Credit Reports are Frozen?

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