BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
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: Account status incorrect

Complaint:
EQUIFAX CONTINUES TO REPORT AN ACCOUNT THAT HAS BEEN CLOSED AND PAID IN FULL OVER A YEAR AGO! I HAVE NOTED THEM OF THIS ERROR FOR NUMEROUS MONTHS AND THEY HAVE REFUSED TO CORRECT AND UPDATE THE INFORMATION TO REFLECT ACCURATE INFORMATION. THEY ARE THE ONLY CREDIT AGENCY REPORTING THIS INCORRECTLY AND THE ONLY ONE NOT UPDATEING IT TO REFLECT CORRECT INFORMATION. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL AND CLOSED. I HAVE ONLY ONE MORTGAGE AND THAT IS WITH XXXX AND THAT IS THE ONLY ONE THAT SHOULD REFLECT OPEN THEY CONTINUE TO REFLECT BOTH OF THESE OPEN AND THAT IS FALSE AND WRONG INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: SinglePoint GI
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my third or fourth time requesting debt validation from General Revenue Services. Recently on XX/XX/19 they provided me with a generic bill ledger that does not clarify the detail summary for the collection amount of {$540.00}. I have requested and General Revenue Services has failed to deliver the proper documents need to prove validity for {$540.00} is owed to them or XXXX XXXX University from me. Please provide specific details or billing invoices on what I am being billed for in the amount {$990.00} + {$150.00} = {$450.00}. After that please provide a billing summary for the {$540.00} that you are actually collecting on an have reported to my credit report. 

There are nothing but numbers on the ledger and a general enrollment notice but NO DETAILS on these charges. I am requesting that this item be removed from your collection office until these further details can be provided. It has been beyond 30 days required by law for General Revenue Services to provide debt verification and validation of the items I have requested. I have already submitted an Estoppel Letter this is my second notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion are not researching and properly reporting that the following accounts listed are in fact in dispute. These accounts are : XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX  - XXXX XXXX and XXXX  - XXXX. ( Please see attached pages from my credit report. ) All of the accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in fact in dispute.

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 2020-08-25
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:
I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with Experian, XXXX, and XXXX  and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on Experian and XXXX  monthly. XXXX  has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. Experian is the worst, everytime I disputed the XXXX was updated until it now shows, XX/XX/XXXX. The other CRAs have the XXXX at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.

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 2019-08-24
Company: Experian Information Solutions Inc.
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:
A 30 day late was reported inaccurately for XX/XX/2019 on a 3 month installment loan, that was set up on auto-pay from XXXX - XXXX. 

Another 3 month installment loan also set up on auto-pay for same dates is reporting no 30 day late in XX/XX/2019. 

Both accounts are paid off with a XXXX loan balance. Reporting should reflect the same status of XXXX, XXXX Off XXXX with no 30 day late on both accounts setup on auto-pay. 

Credit report reflects activity for XXXX, XXXX, XXXX and XX/XX/2019 ( 4 months ) for what is supposed to be a 3 month term loan. 

auto-pay appears to have failed to pull final payment amount within allotted time with no fault to our own.

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 2020-08-25
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License for identification purposes to investigate this complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Investigation took more than 30 days

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all XXXX bureaus continue to report these items furthering the damage already done to my financial future. All proper documentation was submitted on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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:
After careful review of the report I find out accounts which are not belong to me. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in 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 explanation
Consumer complaint received 2019-08-24
Company: American Credit Acceptance, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan refinance with American Credit Acceptance on XX/XX/2019 through another firm and to this day their open auto loan still shows on my account I have contacted them several times in the past month and told me the notice was sent it to the credit agencies about the payoff and when I instructed them to send me the payoff notice they have yet to do so. They claimed it would be mailed ot me last week and I called them 2 weeks ago for it and it still has not arrived. I was told the payoff notice would go to a lender that is trying ot help me and they have yet to receive it. I am frustrated because it has kept me from doing anything with my trade in and its been hurting my credit score severely. They have basically ignored me and have been lying to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We've been trying to modify our loan with Wells Fargo. They have put up many obstacles to avoid the modification and have refused to use our proper income. Well Fargo recently sent a legal letter threatening foreclosure. This goes against the Foreclosure regulation that guards against dual tracking. This is a state and federal offense. 
Wells Fargo has refused to extend the term of the loan saying the investor would not allow it. 

Recently we found out that this was originally a XXXX loan that Wells Fargo acquired. The original loan was subject to a California class action lawsuit requiring modification. Many in the class have been modified. It is incumbent upon Wells Fargo that they modify the loan including extending the term of the loan. 

We have made many demainds to Wells Fargo to produce documents which they have failed to do. We have asked for the loan and securitization documents without getting any results. 

I am a XXXX XXXX XXXX veteran and my wife and I are asking for help with this predatory loan

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 2020-08-25
Company: Experian Information Solutions Inc.
State: CT
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 student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with Experian but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. XXXX There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.

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 2023-02-20
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2019 I looked at my FICO score on my WellsFargo.com accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between 825 and 850, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called Wells Fargo. After several minutes ( 23 actually ) to get through the hold, I was told " that was XXXX, not us '' and I'd have to call XXXX. Wells did connect me with a team to file a complaint against XXXX. which took up hours of my day. So I call XXXX  and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is Wells Fargo, not us ''. XXXX. When I explained to her that I ran my XXXX   report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't XXXX PRODUCE the information? ) and Fair Isaac Corporation was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from Wells Fargo.com. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both Wells Fargo and XXXX  what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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: Information belongs to someone else

Complaint:
Experian should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past had an account with XXXX XXXX. I have contacted the bank and they could not locate any information that this account belongs to me. This false reporting of an account that is ( 60 ) days late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2018-08-01
Company: AES/PHEAA
State: TX
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:
I have been making my payments on time since I graduated in 2014. It started XX/XX/XXXX when I received a phone call from the company stating I owed over {$2000.00} even though I received a statement each month and it showed I owed {$0.00} for the month ( I still made the same payment I had been making of {$300.00} each month even if it showed {$0.00} due ). I stated this on the phone to the agent and I got escalated each time and the the 3rd agent agreed with me that something seemed wrong and that I had in fact been making payments. He indicated he thought something with wrong with their system and my account it they had recently gone through an " audit ''. He said he would send this to their expert for research and to not make the $ XXXX payment their system showed me as owing, but to still make my payment of {$300.00} on or before my normal due date of the XXXX. 

I never heard back from the company and called every two weeks or so until my loans finally I reached an agent who could explain the situation. Meanwhile my some of my accounts ( but not all strangely ) were reported to the CBR 's as past due which tanked my credit score and is preventing me from getting a more favorable rate. When i spoke finally with an agent, it seemed their system inadvertently miscalculated or messed up my account and they were going to try to fix it. 

I was told they would reach out to me once it was fixed but never heard back from them again. My accounts were finally reported as current to CBR but my score still shows past due payments on my account and my score has not gotten better. In addition, I never received any follow up from the company saying it was taking steps to fix my account or my credit they incorrectly reported. I did receive a few days ago finally a letter which does show my account not messed up anymore, but nothing still from them regarding fixing my credit or any other restitution due to the stress and impacted credit score they caused. I will be reaching once again to the company after submitting this complaint. I feel this was unfair and abusive towards me which caused me harm. I am making this complaint in an effort for the company to take notice and not just file my account away as one more statistic and hopefully someone takes action.

Company response to consumer: Closed with non-monetary relief