BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: EQUIFAX, 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:
XX/XX/XXXXI Inaccurate information issues Complaint : XXXX XXXX XXXX Complaint against EQUIFAX CREDIT REPORT I m demanding you to remove or correct INACCURATE INFORMATION as follow : 1- My correct name is XXXX XXXX XXXX NOT ( XXXX  ) please see attached document 2- In XX/XX/XXXX I  arrived USA for the first time in my live as XXXX  ( see attached document ) you stated on the report page number ( 2 ) CREDIT CARD LIMIT XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX. 

3- On the report page ( 40 ) credit limit XXXX According to my right these inaccurate information must be removed or corrected Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
These non account INQUIRIES are unknown and unauthorized. IN violation of FCRA Consumer Laws. CHEXSYSTEMS has no permissible purpose to furnish this private information. Nor can someone's credit be pulled without a FIRM OFFER of CREDIT. As Congress STATES. 
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 2021-10-27
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: Old information reappears or never goes away

Complaint:
My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX  XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed accounts

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 2020-09-17
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-01-29
Company: National Collection Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company agreed to remove the account from my credit report after it was paid because they did not properly notify me and did not give me a chance to dispute/verify the debt, I didn't receive any written notification that they were trying to collect the debt because the address and phone number they had on file was not accurate. After I made the payment they stated that they never agreed to remove the account from my credit report. I am trying to purchase a home and this negative account has hurt my credit score and I can't qualify for a mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EdFinancial Services
State: PA
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 qualified for a program through the state of Pennsylvania ( PHEAA ) for a payment in the amount of {$6000.00} to my student loan account with EdFinancial on my behalf. The payment was made in XXXX of this year and has still not been applied to my account. EdFinancial has confirmed they received this payment, however they have not given me a date in which it will be applied to my account. This is unacceptable for them to hold a payment for almost four months without posting it. I have contacted them multiple times about this but have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EdFinancial Services
State: MN
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:
The original amount estimated for my monthly payments to EdFinancial Services was XXXX dollars a month with a term of 118 months a few days prior to the end of the national emergency forbearance. I made a request for an income driven repayment plan for Public Service Loan Forgiveness and was quoted an amount of XXXX dollars a month for the 120 payments need to qualify for PSLF. The current amount due as of the end of forbearance is XXXX dollars and the loan term is now 11 months according to the information given to me online. This amount makes zero sense and I did not agree to it anywhere. Attempts to contact the company are met with wait times of 7-8+ hours and promises to call back after XXXX but no calls back have been made. I have since made a consolidation request with the education department to turn these 4 loans with the balance of XXXX dollars into a single loan that would be qualifying for PSLF through an IDR with a difference servicer ( XXXX ) and do not wish to be stuck with this interest or the bad marks on my credit for not paying an exorbitant amount on a ridiculous term that does not adhere to the standard or extended payment terms for the amount I owe according to the Education Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX. I drove up to an XXXX ATM machine on XXXX XXXX XXXX XXXX Ga and did two withdrawals in the amount of {$500.00} the first one at XXXX was successful. The second withdrawal of {$500.00} at XXXX the ATM dispensed the cash as I went to grab the money the machine sucked the money back inside. I sat at the ATM for a minute thinking the machine would spit the money back out, it did not. I went inside to the bank and was advised by the customer service reps they could not assist me because this was not my bank. I would have to file a dispute with my bank. I called my bank Chime right then to file a dispute and explain what happened Chime informed me the investigation will take 45 days. Then 10 days later I received a provisional credit all for them to email me on XX/XX/XXXX to reverse the provisional credit. I contacted XXXX branch they own the machine they contacted there ATM Resolution Team they see an issue the day and time in question. But stated that can not further assist me because I don't bank with them. Chime would have to recoup on there end an investigate and they really have not. I sent all documents they requested right away the same day. Chime haven't been helpful or unwilling to help me in this matter. Please Advise? My phone number is XXXX. My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a medical debt on my credit directly to XXXX XXXX XXXX. I have informed both XXXX XXXX XXXX of the payment as well as the 3rd party company Eastern Account Systems. I was promised removal of debt from my credit reports XXXX, XXXX  and XXXX upon payment. I want the negative remark removed from my credit because its damaging my ability to purchase a home and obtain new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I recently opened a new Wells Fargo checking account. I decided to do this because the new checking account bonus of {$250.00} was very attractive. I have completed all requirements to receive the bonus deposited to my account. I did call and received confirmation that was account would be credited to bonus. Sadly, I am still waiting! 

I was also told for all the inconveniences, the phone banker stated they would reverse all of the {$35.00} fees. Truthfully I would not been charged over draft fees of Wells Fargo had credited my account as promised

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 2017-12-16
Company: Experian Information Solutions 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:
My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX XXXX XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only experian  has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX and the last payment of {$43.00} on XX/XX/XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX  and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XX/XX/XXXX. the other accounts with XXXX, all those all due to be paid off on XX/XX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at 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 2023-09-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
RE : Home Loan # XXXX I have respectfully submitted all the Home Loan documents to Wells Fargo XXXX numerous times since XX/XX/XXXX to the current. I recently received another letter dated XX/XX/XXXX requesting for the same documents to be sent again. This is a delay tactic being done by Wells Fargo XXXX since I have filed complaints with the Consumer Financial Protection Bureau and sent letters to President Joe Biden and Members of Congress and the Senate. I will continue to send letters to the White House regarding Wells Fargo 's Retaliation and Discrimination against me and my family. My family and I have been a victim of home foreclosure in XXXX by Wells Fargo Bank and XXXX. Very painful and traumatic experience. We hope and pray that my family will not have to go through Home Foreclosure again. My son is XXXX and all this stress is not helping my family members. 
Wells Fargo XXXX continues to ask the same questions and are now asking more questions that really does not have really have anything to do with the actual Home Loan Modification process. New questions are about LegalShield membership that I utilize for XXXX XXXX letters to protect my Civil Rights under the Constitution of the United States. XXXX payments periodically I send funds to my XXXX XXXX named XXXX XXXX and has no job or income and currently a student. XXXX XXXX is a graphic designer that my friend and sent payment for some flyers and artistic designs. This is not a recurring. 
I purchased the XXXX XXXX XXXX on XX/XX/XXXX because it is important to drive a safe reliable vehicle as a rideshare driver who does a lot of driving for a living. I put XXXX DOWNPAYMENT for this vehicle. I returned the XXXX XXXX XXXX vehicle to XXXX XXXX on XX/XX/XXXX. The XXXX XXXX already had about XXXX miles upon surrendering it. The vehicle would not be deemed safe with such high mileage. 

IMPORTANT NOTICE : California Mortgage XXXX has sent Wells Fargo Bank around {$13000.00} in XX/XX/XXXX. Both Wells Fargo Bank and California Mortgage XXXX XXXX to send the Evidence of this payment and acknowledge the SOURCE. I keep sending numerous requests for this information but they still will not honor this truthfully. I am respectfully requesting for a letter stating that this occurred. 
My greatest concern is to save our family home from FORECLOSURE and respectfully requesting Wells Fargo Bank and XXXX modify the mortgage to be a fixed rate with affordable monthly payments with no derogatory remarks on my credit score. 
I am not being represented by XXXX XXXX XXXX XXXX in XXXX XXXX. 
Looking forward to the conclusion of this long awaited Home Loan Modification request. Long live the American Dream of Family and Home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have tried several times to disputing an account on my credit report with a company called XXXX XXXX. The company reported to my credit report when it should've never been reported. I paid my bill to XXXX XXXX XXXX, XXXX. The physician 's office posted my payment to someone else account in error but fixed it and notified XXXX XXXX that, in fact, I didn't owe anything, and my account was sent to them in error. I've also had a hard time with the collection agency removing this from my credit report until I informed them that I filed a complaint with cfpb against them. I received a letter from XXXX XXXX that they have already requested from all 3 credit bureaus to expunge from my credit report, yet Equifax refuses to update my credit report. I sent Equifax the letter advising them of proof, and they still have yet to update my credit report to have this company removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent Experian 2 separate letters the first was regarding a bankruptcy the second was in regards to several accounts reporting inaccurate information. My letters were both received by Experian on XX/XX/2020 at XXXX XXXX. Experian conducted its investigation on XX/XX/2020 for the bankruptcy letter and completed that dispute on XX/XX/2020. My other letter regarding the inaccurate information was never addressed in any way by Experian. 

After 30 plus days of no response from Experian I sent a second letter on XX/XX/2020 informing them that they were in violation for not conducting their own independent investigation of my disputes and asked for these items to be deleted from my credit report immediately as the inaccurate information is affecting my credit worthiness. This letter was received by Experian on XX/XX/2020 at XXXX XXXX. This letter was also ignored and no response was sent to me by any means. On Tuesday XX/XX/2020 I called Experian to discuss the status of my concerns and was told by XXXX a representative of Experian that despite my ability to prove that my certified letters were received via the USPS website they had not received my letters there for there was nothing they could do. 

I then wrote a 3rd letter demanding that they remove these items as I can prove that they are in violation of the FCRA for not completing my dispute within 30 days of receiving my letter. This letter was mailed on XX/XX/2020 and was received by Experian on XX/XX/2020 at XXXX XXXX. On XX/XX/2020 I again called Experian to address this matter and was told that the reason my letters have not been addressed is because the address I have been mailing my letters to is a different department. I then verified that the address my letters were mailed to were what is listed on the Experian website in regards to disputes. I then asked the representative even if that was the case how can they explain why on XX/XX/XXXX when both of my original letters were signed for at Experian why the bankruptcy letter was processed and the investigation completed if the address I sent my letter to were wrong. I was placed on hold and after several minutes was told they couldn't explain it at which point the conversation was going no where and ended.

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 2020-09-17
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION COMPANIES REPORTING SAME ACCOUNTS 2X ON FILE AND OUTDATED REPORTING 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 2018-09-12
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 I received a threatening letter saying I am in violation & in default of the reverse mortgage agreement since I did not pay my taxes for 2 yrs & that this places my property in jeopardy & could lead to forclosure.I have always paid my taxes on time & am up to date.I received a statement from my town tax dept verifying this & can provide it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 2 years I have been trying to get this problem resolved. There are XXXX accounts on my credit report that are not mine. I have requested that they be removed several times via dispute and I have requested proof and documentation that I applied for these loans. I have yet to receive the proof that I asked for because I have never applied for or received any loans from the XXXX places. 

Rapid Cash and a company called XXXX XXXX are saying that I took out a loan with them, I have been on Social Security since 2013 I do not have an Income to even afford a loan of any type my income won't even get me approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are a few inquiries that I did not apply for from XXXX, XXXX XXXX XXXX and XXXX I did not apply for a personal loan nor these credit cards

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