BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
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: Account information incorrect

Complaint:
On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent Experian, XXXX, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information ,XXXX  XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX  direct number XXXXand fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!

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 2023-01-11
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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

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 2018-02-09
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX called my cell phone at XXXX XXXX  on XX/XX/2018. They left a voicemail that says this exactly : " We have an important message from Affiliated Creditors. This is a call from a debt collector. Please call XXXX Extension XXXX. Thank you. '' I have 0 debt in my life, and I have never had any form of income. I am a XXXX XXXX with no debt, and these people should not have my number at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: CA
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:
Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, Solar Mosaic ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX but they never installed it. Attached is the letter sent to 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 2019-03-05
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a problem with XXXX PSLF program. They said my account has been " in review '' since XXXX. I am trying to get an official letter stating the total months of eligibility I have received. They said its 24 months on the phone but they won't provide this information in writing. I have called 6 times over the last 6 months. They said their processing update time is normally " 10 to 12 month '' but since my account has been " in review '' since XXXX  this is well beyond their already lengthy processing time. I would like to find out what actions I can take to force them to acknowledge my student loan forgiveness eligibility before accepting another job in a PSLF eligible field.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
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: Information belongs to someone else

Complaint:
THE XXXX ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a furniture loan with Regional Finance and at the time I had a Roomate that was helping me pay it off and now shes no longer helping and I dont have enough money but they have called me and threatened to take me to prison for not paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
GM MasterCard by Capital One. I 've been a customer since XX/XX/XXXX ( XXXX years ) and never had a late payment. It 's been all setup with autopay for many, many years. I have n't used the card in the last year, so when the {$39.00} annual fee was assessed I did n't know to lookout for it. 

Sometime in the past year, the bank switched their website. The card issuer 's change broke the link the autopay setup at my bank. So I never got a bill and of course could n't have paid it. Magically though, they reached me via paper mail to assess a punitive late fee and penalty. 

Today I tried to call and resolve. After a long hold, my request to have the penalty/fee removed was denied. I asked to speak with a supervisor and spent an hour on hold before being disconnected. I resorted to XXXX, where I got an immediate response. But after being strung along unprofessionally for hours ... the agent offered zero substantive help. Just generalizations about a bad technology weekend and that any fees would be rolled back. Not really paying attention to the story or even looking anything up. It was literally hours of wasted nothing. 

An entire evening of my life wasted. I do n't care about stupid {$50.00} so much as the principle. THEIR technology change caused this failure, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Specialized Loan Servicing Holdings LLC
State: AL
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:
On XXXX, XXXX 2022 I closed on a home at XXXX XXXX XXXX in XXXX AL XXXX. My lender was XXXXXXXX XXXX XXXX. About a month after I received a letter saying my servicer was going to be specialized loan servicing care of XXXXXXXX XXXX. All seemed well. I had a credit score of XXXX in XXXX of 2022. Recently, my only auto a XXXX XXXX XXXX finally reached the XXXX mile mark and I spent a few weeks looking for a reliable used auto. I contacted my bank to pull credit and the lender a firm XXXX XXXX XXXX XXXX XXXX ( my bank ) said that your credit report does NOT show any history from or for a mortgage that you are describing. All that we see is student loans in forbearance and credit cards paid as agreed. I immediately contacted Specialized loan servicing in XXXX, Colorado and they told me after a two month blackout we have been reporting to all three credit bureaus. I returned to XXXX and told them what I was advised by Specialized loan servicing. XXXX said sir, we have your credit report. They are NOT reporting anything. Your credit score is XXXX and that basically means we can only approve you for auto loans at 18 % interest. XXXX XXXX  when questioned told me I must submit a letter in writing detailing my concern. They have not provided any evidence that they ever provided any credit reporting data to any of the 3 major credit bureaus. Consequently, if I elect to purchase the vehicle 18 % interest on {$30000.00} is an incredible risky hardship on a depreciating asset. This causes me financial concerns and raises suspicion that this firm is a predatory lender.

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 2021-01-30
Company: CURO Intermediate Holdings
State: TX
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:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Autovest, L.L.C.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I think this debt should be removed from my credit report

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX 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

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 2018-05-08
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm a customer of Wells Fargo Mortgage ( WFM ). I make twice monthly payments through an automated withdrawal from my checking account. I used to make once monthly payments but then switched to twice monthly. Though I make payments of that periodicity, WFM chooses not to apply the payments to my account more than once a month. WFM holds the intermediate payment, and ( 1 ) pays no interest that I can tell, plus ( 2 ) doesn't reduce my interest for the period due to the intermediate payment, until it makes a once a month application to my balance. Wells Fargo didn't tell me it would only credit my account once monthly when I changed. I brought this to WFM 's attention years ago, telling them the process didn't seem fair because it seemed to me I was paying more interest than I ought to and as a result ( 1 ) my remaining principal amount is too high and ( 2 ) the mortgage 's effective annual interest rate was mis-stated. I did not to my knowledge receive an amended fair credit act statement when I changed the payment periodicity. WFM was not persuaded by my points, obviously.

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 2018-10-01
Company: National Screening Bureau, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2018 I called natsb to get an update on my background check and they said they found a felony. I was only notified of this felony until XX/XX/XXXX when I called. Had I never called I would of never know they were reporting inaccurate information. I told them those charges were dropped for me and there. I asked that they need to pull the court documents to get better accurate info. She said for me to do the research and there decision may not change. I went to XXXX XXXX and read the correct information of the other person being charged and convicted and my charges being dropped. everyone involved was on the same case no. I guess natsb did not further investigation the case number and the names. 
If a company going to have full control of your lively hood they should report accurate information and if there is a problem they should be able reinvestigate in appropriate amount of time. The system is not fair. The person who is being investigated has no rights. 
Sometimes you have to view the court documents instead of the report for accurate information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am personally submitting this request to correct the error on my Credit Reports. I declare Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports to consumer reporting agency may furnish a consumer report no consent is fraud. The US Bank Court does not furnish information to third parties and therefore a credit reporting agency is a third party so that's forgery. Below are the item that is still reporting on my report : XXXX XXXX Bankruptcy Reference Number : 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 2023-01-12
Company: Experian Information Solutions Inc.
State: IL
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2021-06-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I did not open any credit cards recently other than my XXXX credit card and was approved. There should n't be any other marks on my credit score.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2018-05-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has repeatedly called me from XX/XX/XXXX and still calling. They call about 8 times a day non stop. Ive already called to resolve the issue but they still continue to harass 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 2021-06-03
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: Account information incorrect

Complaint:
I was denied a mortgage loan today ( XX/XX/XXXX ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from XXXX  because it was the middle score among the 3 scores : XXXX from XXXX, XXXX from Experian, XXXX from XXXX The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from XXXX ( XXXX according to the bank ), XXXX from Experian ( XXXX according to the bank ), XXXX from XXXX  XXXX XXXX according to the bank ). The Experian, on their website, displayed XX/XX/XXXX XXXX XXXX whereas others indicated their score were as of XX/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